Group 1: Economic Growth and Consumer Finance - Consumption is a vital engine driving economic growth, linking economic development with everyday life [1] - China Bank Anhui Branch has launched a special action plan to boost consumer finance, focusing on financial innovation to enhance consumption [1] Group 2: Real Estate Market Support - The bank is actively supporting the real estate market by increasing personal housing loan issuance and optimizing mortgage policies [2] - As of June, the bank has connected with 63 "white list" projects, providing a credit limit of 18 billion yuan to stabilize the real estate market [2] Group 3: Consumer Market Activation - The bank has issued 20.7 billion yuan in personal consumer loans this year, serving over 94,000 customers, with non-housing consumer loans increasing by 46% year-on-year [3] - The bank has developed a multi-layered consumer finance service system, integrating various products to enhance consumer spending [3] Group 4: Innovation and Digital Transformation - The bank is driving innovation through digitalization and product innovation, improving service efficiency in housing loans [4] - The introduction of new consumer loan products related to the "old-for-new" policy has resulted in 2.1 billion yuan in loans issued [5] Group 5: International Payment Services - The bank has established the first overseas guest payment service center in the province, enhancing the convenience of international payment services [5] - The bank aims to deepen innovation and improve efficiency to better support the local economy and enhance the quality of life for residents [6]

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]

《通知》出台前，《商业银行互联网贷款管理暂行办法》《消费金融公司管理办法》《小额贷款公司监督管理暂行办法》等行政规章均有个人互联网消费 贷款金额不超过20万元的相关规定。其中，《商业银行互联网贷款管理暂行办法》明确：单户用于消费的个人信用贷款授信额度应当不超过人民币20万 元，到期一次性还本的，授信期限不超过一年。 不过，此次对于个人互联网消费贷款的阶段性提额暂未扩至消费金融公司等非银机构。证券时报·券商中国记者从行业人士处了解到，目前消费金融公司仍 有20万元的限额。 从政策落地进展看，目前各银行进度不一。 来源|证券时报 3月21日，证券时报·券商中国记者从业内知情人士处了解到，金融监管总局在日前印发的《关于发展消费金融助力提振消费的通知》（下称《通 知》）中明确，对于信用良好、有大额消费需求的客户，个人互联网消费贷款金额上限可阶段性从20万元提高至30万元； 同时，《通知》还提出优 化个人贷款期限政策，针对有长期消费需求的客户，商业银行用于个人消费的贷款期限可阶段性由不超过5年延长至不超过7年。 个人消费贷款提额、延期是本次《通知》的一大亮点。 事实上，金融监管总局有关司局负责人3月14日已就"发展消费 ...

金融"春雨"的持续润泽，必将让消费这驾马车跑得更快、更稳，为构建新发展格局、推动高质量发展注入 源源不断的金融动能。 2025年初，从中央到地方，一系列旨在激发消费活力的政策措施密集出台，其中，银行业金融机构以其独特的 金融优势，在这场提振消费的全民行动中扮演着至关重要的角色。 在提振消费、促进经济回暖的浪潮中，银行业以实际行动贡献力量。从汽车消费信贷到新能源汽车专属金融服 务，从提升大众财富管理能力到加强保险和养老金融服务，银行业正通过创新金融产品、优化服务供给、深化 银企合作，为消费市场注入源源不断的金融动能，激活市场潜力，为经济的平稳健康发展提供有力支撑。 近段时间以来，多家银行积极响应政策号召，陆续推出关于助力提振消费的行动方案，以实际行动助力消费市 场的复苏与繁荣。 专项行动方案出炉 邮储银行近日发布的《中国邮政储蓄银行提振消费扩大内需行动方案》显示，围绕提高大众财富管理能力、加 强保险和养老金融服务、加快消费金融发展、丰富商户综合金融服务、开展多层次提振消费活动、提升产品和 服务能力等六个方面提出16项具体措施，进一步加强金融对扩大内需、提振消费的服务力度，助力提高消费能 力和意愿。 建设银行则通 ...