Core Insights - The Double 11 shopping festival serves as a significant indicator of China's consumer market vitality and reflects the interaction between macroeconomic policies and micro-market behaviors [1] - In 2025, the "Consumption Boost Year" initiative, launched by the Ministry of Finance and the Ministry of Commerce, aims to stimulate consumption recovery, with Double 11 playing a crucial role in this context [1] Policy Alignment - The "Three Savings" system of Ping An Credit Card aligns closely with national consumption promotion policies, facilitating effective conversion from policy advocacy to consumer action [4] - During Double 11, Ping An Credit Card introduced a "Payment Installment Discount up to 400 Yuan" campaign, covering major e-commerce platforms, effectively reducing consumer burdens [4] - The "National Subsidy Installment Red Packet" initiative combines government subsidies with financial installment tools, enhancing the accessibility of policy benefits for consumers [4] Value Return System - Ping An Credit Card offers diverse reward mechanisms, including "Super 88 Cashback," points redemption, and installment discounts as low as 1.7%, creating a comprehensive value return system [5] - Points can be redeemed on platforms like Alipay, JD.com, and Douyin, allowing for a maximum deduction of 10% on single orders, while the annualized interest rate for installment payments is as low as 3.1% [5] - This "Policy + Finance" innovation amplifies the effects of national consumption policies and highlights Ping An Credit Card's role in bridging macro policies to micro benefits [5] Brand Development - During Double 11, Ping An Credit Card expanded its brand recognition from a payment tool to a consumer partner through systematic scene layout and precise user communication [6] - The brand's strategy includes tailored discount strategies for different consumer segments, enhancing the promise of "saving time, effort, and money" [6] - The brand theme "Naturally Choose Ping An" is consistently communicated across various consumer events, reinforcing brand recognition and user loyalty [7] Long-term User Relationships - Ping An Credit Card emphasizes building long-term user relationships through flexible repayment options and multi-platform point redemption, enhancing user stickiness [7] - The combination of immediate discounts and long-term value propositions positions Ping An Credit Card as a trusted consumer partner [7] - The practices during Double 11 illustrate a financial brand's innovative path under policy guidance, achieving a win-win for consumers, merchants, and policies [8]