Core Viewpoint - The Bank of China Jiangxi Branch is actively responding to national policies aimed at boosting consumption by implementing a comprehensive action plan to enhance consumer finance, thereby stimulating economic growth and improving people's livelihoods [1] Group 1: Consumer Finance Development - The Bank of China Jiangxi Branch has launched the "China Bank Jiangxi Branch Development Consumer Finance to Boost Consumption Special Action Plan" focusing on deepening consumer scenarios, enhancing product innovation, and optimizing resource allocation [1] - The bank has increased the credit limits for online and offline consumer loans to 300,000 yuan and 500,000 yuan respectively, and extended loan terms to meet long-term consumer needs [2] - From January to June, the bank provided consumer credit services to nearly 30,000 new customers, representing a year-on-year increase of 12%, with total consumer loan disbursements reaching 8.4 billion yuan, a year-on-year increase of 24% [2] Group 2: Consumer Experience Enhancement - The bank has optimized service processes and improved mobile banking convenience, allowing consumers to submit offline loan applications via a mobile scanning system and access various loan services online [2] - The bank has launched promotional activities such as "Consumption Discounts" and "618 Payment Reductions," distributing over 1 million yuan in consumer subsidies, which have driven consumption exceeding 2 billion yuan [3] Group 3: Support for New Energy Vehicles - The bank has significantly increased financial support for new energy vehicle purchases, with installment financing reaching nearly 300 million yuan by the end of June, reflecting a year-on-year increase of over 200% [4] - The bank is promoting "trade-in" policies to stimulate consumption and industry upgrades, offering various financial products and discounts for automotive and home improvement needs [4][5] Group 4: Service Consumption Upgrade - The bank is focusing on enhancing service consumption, which is crucial for improving living standards and optimizing consumption structure, by providing comprehensive financial services across various sectors such as dining, entertainment, and tourism [6] - The bank has supported local cultural tourism projects, providing 480 million yuan in loans to enhance the development of tourist attractions, thereby improving payment experiences for visitors [8]

Core Viewpoint - The article emphasizes the importance of consumption in driving economic growth and improving people's lives, highlighting the role of China Bank's Jiangmen branch in promoting "old-for-new" consumption through tailored financial products and services [1][3]. Group 1: Financial Products and Services - China Bank's Jiangmen branch actively participates in local events to promote "old-for-new" products, attracting significant public interest and inquiries [3]. - The "Zhongyin Automobile·Huanxin Installment" product is designed to meet the needs of customers looking to replace old vehicles, offering low-interest and zero-interest options for certain car brands [3]. - The bank collaborates with automobile manufacturers to provide convenient installment services, interest subsidies, and rate discounts, making it easier for consumers to upgrade their vehicles [3]. Group 2: Home Renovation and Appliance Upgrades - The Jiangmen branch has launched specialized home renovation installment products, such as "Zhongyin Home Renovation·Anju Installment" and "Zhongyin Home Appliance Huanxin Installment," with features like no collateral and pure credit, offering limits up to 2 million yuan and terms up to 5 years [4]. - These products cater to various renovation needs, including existing home renovations, partial modifications, and home appliance upgrades, effectively supporting consumption upgrades and the development of the real economy [4]. - The bank plans to continue promoting exclusive service plans in response to national policies aimed at stimulating consumption and expanding domestic demand [4].