Core Insights - The article emphasizes the importance of promoting consumption and expanding domestic demand as a key national strategy for 2025, with financial institutions playing a crucial role in supporting this transition from investment-driven to consumption-driven economic growth [1][6]. Group 1: Financial Institution Initiatives - Financial institutions are focusing on both resident demand and enterprise supply to create a virtuous cycle of "financial benefits - consumption expansion - industrial upgrading" [1]. - The Bank of Communications Credit Card is actively responding to market demands by prioritizing green finance in its automotive financial services, particularly in the context of the growing popularity of new energy vehicles [2]. - The bank has established a dedicated team to manage automotive installment products, achieving a system automatic review rate of 70% and an overall approval rate of nearly 90%, enhancing service quality and customer experience [3]. Group 2: Market Positioning and Strategy - The Bank of Communications Credit Card is leading the industry in addressing the "high interest, high rebate" phenomenon by suspending high-rebate automotive installment and loan services, thus promoting a healthier market environment [4]. - The bank is leveraging its exclusive platinum card for car owners and various promotional activities to deepen customer engagement and enhance user loyalty [4]. - The bank has launched a special automotive installment campaign in Shanghai, offering customers a chance to receive a cash rebate upon successful application, effectively reducing the financial burden of purchasing new vehicles [6]. Group 3: Commitment to Local Economic Development - The Bank of Communications has been actively involved in promoting the Shanghai International Consumer Center City initiative and has participated in the "Five Five Shopping Festival" for six consecutive years, injecting financial vitality into the local economy [5]. - The bank aims to build a complete automotive financial ecosystem through dual drives of inclusive finance and green finance, supporting local economic development while achieving high-quality business growth [6].

回顾2025年，促消费、扩内需是国家重要战略部署。在商品消费端，商户通过以旧换新、消费贷 补贴等挖掘商品消费升级潜力，着力稳住消费大盘；在新型消费领域，数字、绿色、智能、健康 等业态呈现蓬勃发展态势。 在此背景下，金融机构作为提振和扩大消费的"主力军"，从居民需求与企业供给两端发力，打 通"金融让利-消费扩容-产业升级"的良性循环，为我国经济从投资驱动向消费驱动转型提供支 撑。交通银行信用卡积极响应号召，在诸多消费场景中抢抓汽车消费升级换代的机遇，践行普惠 金融与绿色金融两篇"大文章"，搭建完整汽车金融生态圈，助力实体经济发展。 谱写两篇"大文章" 彰显大行责任 2 0 2 4年8月，国务院《关于促进服务消费高质量发展的意见》明确，引导金融机构优化信贷产 品、提供差异化服务，加大对服务消费重点领域信贷支持力度。恰逢新能源汽车成为汽车消 费市场的主流趋势，交通银行信用卡紧跟市场需求，将绿色金融作为汽车金融业务的重点发 力方向，通过"扩大合作版图 + 加大投放力度"双举措，推动新能源汽车消费扩容。 在服务广度上，交通银行信用卡重点扩展新能源汽车品牌总对总合作，覆盖理想、阿维塔、 岚图、广汽本田、路特斯等主流车企， ...