中经记者 郑瑜 北京报道 在提振内需与扩大消费不断深化推进背景下，商务部、中国人民银行、金融监管总局于近期联合发布 《关于加强商务和金融协同更大力度提振消费的通知》（商办财函〔2025〕447号）（以下简称"447号 文"）。 记者从海尔消费金融有限公司（以下简称"海尔消金"）了解到，今年海尔消金接入银联云闪付平台，围 绕冰箱、洗衣机、空调等耐用消费品推出"智家分期"服务渗透，消费者可以实现享受国家补贴与产业贴 息双重优惠。目前智家分期已合作全国2000多家海尔专卖店，覆盖市、县、镇等各级消费市场。 海尔消金方面表示，接下来会继续将"智家分期"服务做精做细。在审批流程上，运用人工智能、大数据 等前沿信息技术手段持续优化审批流程，进一步提升审批效率与用户服务体验；在创新形式与品类覆盖 上，和产业紧密协同，探索更多创新形式和合作空间，进一步扩大金融服务覆盖范围，同时持续拓展家 电优惠品类。 在家电分期方面，招联消费金融股份有限公司（以下简称"招联消金"）自今年年初国家新一轮"以旧换 新"政策出台以来，公司通过与二手平台达成合作，推出"助力以旧换新一站式服务"，用户可在"招联金 融"APP中一站式完成从旧品估价、上 ...

Core Insights - The conference focused on "cross-border growth and integrated innovation" in the consumer market, highlighting the importance of collaboration among platforms, brands, and IPs to explore new market opportunities [1] Differentiated Operations - The current consumer market is increasingly characterized by stratification and personalization, necessitating precise market strategies to cater to diverse consumer needs [2] - The "14th Five-Year Plan" emphasizes leveraging new demand to drive new supply, with the youth demographic being the most active in this supply-demand cycle [2] - Youth consumer characteristics include rational spending, a growing demand for emotional value, and an increasing preference for instant consumption [2] - The "silver economy" is emerging as a significant consumer group, driven by the aging population and their diverse needs [2] Scene-based Consumption - The integration of online and offline experiences is enriching product forms and marketing strategies, with brands needing to create engaging consumer experiences [6] - Adidas has successfully utilized flagship stores to create trendy consumer hotspots, enhancing brand visibility and driving foot traffic through social media engagement [6] - The importance of creating a closed loop between content distribution and product sales is emphasized, with consumers acting as content nodes [7] Precise Linkage for Breaking Barriers - Successful brand collaborations require careful selection of partners and strategies aligned with specific marketing goals [8] - Dazhong Dianping leverages its platform's network effects to create synergies between products, scenes, and brands [8] - Adidas plans to deepen collaborations with diverse designers to infuse modern interpretations of Chinese cultural elements into its products [8] - The essence of collaboration is to enhance user engagement and attract new customers, ensuring alignment in style and messaging between brands and their partners [9]