《金融时报》记者注意到，在政策发布后，多家商业银行细化了金融支持提振消费的行动"路线图"，通 过深耕消费场景、强化产品创新、优化资源配置等一系列组合式服务，为消费市场注入更多金融活水。 多家银行打出促消费"组合拳" 近1个多月来，已有青海、云南、福建、吉林等多地金融监管局就金融促消费发布了相关指导意见。其 中，吉林金融监管局明确提出，将金融助力提振消费纳入日常监管，通过窗口指导、现场督导等方式做 好督促指导。 各地政策发布后，多家银行也进一步优化了下半年提振消费行动方案，全面加大对促消费、扩内需的金 融支持力度。 继《中信银行（601998）金融助力提振消费专项行动方案》发布后，近期，中信银行又推出了金融支持 提振和扩大消费实施细则。据中信银行相关负责人介绍，该行将通过"信贷支持+场景优惠+绿色激 励"的"组合拳"，有效降低居民消费成本，提升消费意愿。 7月21日，江苏银行（600919）也积极响应国家提振消费政策号召，发布了《江苏银行金融支持提振和 扩大消费的"18条"落实举措》，通过支持增强消费能力、提升金融机构服务能力、聚焦重点消费领域等 六大主题18条举措，全方位助力消费市场释放活力。 消费"热"，经 ...

Group 1 - The core viewpoint of the articles emphasizes that consumption has become a key engine for economic growth in China, especially under the new normal of economic development [1] - Multiple commercial banks are actively responding to the government's guidance on boosting consumption by innovating financial products and enhancing service capabilities [1][2] - China Minsheng Bank has introduced a detailed implementation plan to support consumption, focusing on credit support, scene discounts, and green incentives to lower consumer costs and enhance willingness to spend [1] Group 2 - China Bank has launched the "Bank Renewal Consumption Loan," offering loans with a maximum term of 5 years and interest rates as low as 3%, with loan amounts up to 500,000 yuan [2] - China Bank has also invested over 100 million yuan in tourism consumption subsidies, covering various aspects of the cultural and tourism consumption chain [2] - Other banks, such as Everbright Bank, are focusing on new business models like "national subsidies combined with installment discounts" to stimulate consumption [2] Group 3 - The service consumption sector remains a shortfall in China's overall consumption landscape, but recent policies have aimed to inject financial support into this area [2][3] - For instance, China Construction Bank is utilizing consumption and elderly care re-loan policies to support the expansion and upgrading of local elderly care facilities [2] - The China Banking Research Institute anticipates that the growth in consumption in the second half of the year will be driven by policy enhancements and the release of service consumption potential [3]

Core Viewpoint - Consumer spending is a crucial engine for high-quality economic growth and a key aspect of improving people's lives. China Bank plans to invest over 1 trillion yuan in loans, create 100 billion yuan in property income, and provide 10 billion yuan in consumer subsidies by 2025 to support consumer upgrades [1]. Group 1: Consumer Support Initiatives - China Bank aims to launch the "10 billion subsidy" initiative, which includes various financial support measures to enhance consumer spending and improve living standards [1]. - The bank has set up a consumer assistance booth at the China International Consumer Products Expo, showcasing local products and providing tailored financial services to exhibitors [2][3]. - China Bank has invested nearly 800 million yuan in poverty alleviation projects in Shaanxi, benefiting over 600,000 people [3]. Group 2: Innovative Financial Products - The bank has introduced the "Zhongyin Renewal Consumer Loan," offering loans up to 500,000 yuan with interest rates as low as 3% for home and appliance purchases [3]. - In Sichuan, China Bank supports housing and automotive loans with interest rates starting at 3%, and offers various trade-in financing options [4]. - The bank has partnered with 17 electric vehicle manufacturers to provide up to 5 years of zero-interest financing [5]. Group 3: Consumer Engagement and Discounts - China Bank's credit card program offers discounts and rewards across major platforms like Meituan, JD.com, and Alipay, enhancing consumer engagement [6]. - The bank has launched promotional activities, including cashback and discounts for online purchases, to stimulate consumer spending [7][8]. - A significant investment of over 100 million yuan is planned for consumer rights and benefits, including fee reductions and promotional offers [7]. Group 4: Support for Small Businesses and Rural Areas - China Bank is enhancing financial services for rural areas, small businesses, and individual entrepreneurs, ensuring that financial support reaches every corner of society [10]. - The bank has developed a mobile banking version tailored for rural governance and new citizens, providing diverse online services [11]. - Initiatives like the "Sailing Plan" aim to support small foreign trade enterprises in expanding into Southeast Asian markets [12]. Group 5: Consumer Safety and Education - China Bank is committed to consumer safety by implementing measures to protect residents' financial security and conducting educational outreach to raise awareness about financial literacy [12]. - The bank's efforts include innovative activities to engage communities and promote financial knowledge, ensuring a secure financial environment for consumers [12].