夜幕降临，哈尔滨冰雪大世界瞬间流光溢彩，勾勒出梦幻般的轮廓。这里正以最热情的姿态，向全 球游客张开怀抱，共赴冰雪狂欢。 不只是哈尔滨，这个冬季特别是元旦假期期间，新疆、吉林、北京、河北等全国多地加速解锁冰雪 全新玩法。"雪假"放了、专列开动了、雪场"开板"了，冰雪消费正以更加新颖的"姿态"快速升温。 值得关注的是，在冰雪消费热的背后，一条完善的冰雪经济产业链正在逐步形成。从北方到南方， 从传统冰雪项目到层出不穷的"冰雪+"新场景，"热"起来的不仅是冰雪消费本身，更带动了国产装备制 造、目的地餐饮住宿服务等全产业链的蓬勃发展。 "冰雪消费是近年来在政策引导与消费结构升级背景下加速兴起的新型消费形态，兼具体育、文旅 与产业属性，如今已逐步成长为规模近万亿元的庞大市场。"苏商银行特约研究员高政扬在接受《金融 时报》记者采访时表示。 冰雪消费推动各地冰雪资源加速转化为生态效益、经济效益和社会效益，与此同时，银行业正以金 融创新为纽带，从信贷支持、支付便利、消费激励等多维度发力，为冰雪消费持续注入动能，让"冷资 源"的消费潜力充分释放。 银行推出优惠活动为冰雪消费降低门槛 从哈尔滨冰雪大世界打造园区超级冰滑梯，到内蒙古 ...

为响应扩大内需战略、助力汽车消费市场回暖，多家银行近期密集加大汽车消费金融支持力度，通过低 息优惠、高额专项补贴、高额度授信等多元化车贷方案，精准对接消费者购车需求，以金融活水赋能大 宗消费提质升级。 上海金融与法律研究院研究员杨海平对《证券日报》记者表示，银行年末密集加大汽车消费金融优惠力 度有着双重考量：一方面是抢抓年末购车旺季的营销窗口期，冲刺年度业绩；另一方面是落实国家提振 消费政策要求，借此提升本行品牌影响力。 信用卡分期成为重要抓手 薛洪言称，在监管规范"高息高返"模式后，银行汽车消费金融业务正迎来深刻转型，未来将告别对高额 返佣的依赖，构建以合规经营为基础、真实需求为导向的服务模式。金融机构将聚焦新能源汽车、二手 车交易等场景推出定制化方案，同时，还将加速服务流程线上化、数字化、智能化升级，通过提升效率 与透明度优化客户体验，推动行业进入健康可持续发展新阶段。 杨海平补充道，汽车消费金融将呈现两大发展趋势：一是在监管规范引导下，从粗放式扩张转向精细化 运营；二是借助数字化技术推动汽车金融服务生态升级。 素喜智研高级研究员苏筱芮对《证券日报》记者表示，在行业竞争日趋激烈、监管持续规范的背景下， 银 ...

本报记者 彭妍 为响应扩大内需战略、助力汽车消费市场回暖，多家银行近期密集加大汽车消费金融支持力度，通过低息优惠、高额专项 补贴、高额度授信等多元化车贷方案，精准对接消费者购车需求，以金融活水赋能大宗消费提质升级。 上海金融与法律研究院研究员杨海平对《证券日报》记者表示，银行年末密集加大汽车消费金融优惠力度有着双重考量： 一方面是抢抓年末购车旺季的营销窗口期，冲刺年度业绩；另一方面是落实国家提振消费政策要求，借此提升本行品牌影响 力。 信用卡分期成为重要抓手 迈向精细化运营新阶段 从行业背景来看，银行加码汽车消费金融既是响应政策号召的责任担当，也是应对零售信贷增长放缓、优质资产稀缺现状 的主动选择。近日，商务部、中国人民银行、国家金融监督管理总局联合印发《关于加强商务和金融协同更大力度提振消费的 通知》，为银行开展汽车消费金融业务提供了明确政策指引。 苏商银行特约研究员薛洪言对《证券日报》记者表示，把握传统销售旺季机会的同时，金融机构通过降低融资成本激发汽 车消费潜力，既服务于扩大内需的经济大局，也为零售信贷领域发掘了优质资产配置方向。 薛洪言称，在监管规范"高息高返"模式后，银行汽车消费金融业务正迎来深刻转 ...

■本报记者 苏向杲 杨洁 彭妍 熊悦 编者按：站在2025年岁末回望，宏观经济的巨轮已驶入转型深水区，变革的浪潮不仅激荡着实体经济的海岸线，更深刻重 塑着银行业这艘巨轮的航向。时光的刻度，在银行业的版图上镌刻下深邃而清晰的年轮。 面对内外部压力，2025年银行业展现出非凡韧性：截至三季度末，净利润基本与去年同期持平；资本充足率连续三个季度 维持在15%以上；不良贷款率也连续三个季度在1.5%左右微幅波动；银行业金融机构总资产规模攀上474万亿元新高。 基本面的稳健底色，赋予了银行业"求变"与"向新"的底气。这一年，银行业围绕三大主线协同推进深刻变革：一是转变经 营模式，积极服务实体经济转型升级，二是持续夯实自身可持续经营能力，三是更加注重风险防控与系统性化解。 在这场变革的浪潮中，银行业不再甘于充当资金的"搬运工"，而是转身成为新质生产力的助推器与民生福祉的守护者；不 再沉溺于价格战和内卷，而是深耕可持续经营管理；不再唯规模论英雄，而是强化精细化运营与AI的深度融合。资本市场亦敏 锐捕捉到这一转变，久违的估值修复，正是对银行业这场"脱胎换骨"最直接的肯定。 透过纷繁的数据与现象，本报梳理出2025年银行业的十 ...

距离2025年收官不足一个月，一场围绕信用卡分期的营销热潮正在火热上演。12月1日，据北京商报记 者梳理发现，从国有大行到股份制银行至地方中小银行，各类机构纷纷抛出"利率折扣""消费立减"等优 惠，将信用卡分期业务推向年度营销的"C位"。在用户增长见顶的存量博弈时代，这场密集让利的背 后，是银行试图通过分期业务深挖存量客户价值，开辟零售信贷领域新利润增长点的考量。与此同时， 行业转型的信号也在持续释放，部分银行相继下线自选分期、停办超长分期业务，标志着信用卡行业正 彻底告别粗放式增长，迈入"精耕细作"的全新周期。 为防范潜在风险、提升业务质效，在营销热潮如火如荼之际，部分银行的业务调整公告亦引发市场关 注。光大银行近日称，为优化分期业务，该行将于2025年12月9日（含）起下线自选分期业务。届时， 该行将对该日期前已申请开通"自选分期"功能的信用卡统一关闭该功能，新入账交易不再进行自动分期 处理。未结清的分期交易不受影响，用户仍需按原分期还款计划履约，具体应还款额以账单展示为准。 10月21日，工商银行发布《关于中国工商银行信用卡账单分期、消费转分期业务分期期数调整的提 示》，宣布对信用卡账单分期、消费转分期 ...

距离2025年收官不足一个月，一场围绕信用卡分期的营销热潮正在火热上演。12月1日，据北京商报记者 梳理发现，从国有大行到股份制银行至地方中小银行，各类机构纷纷抛出"利率折扣""消费立减"等优惠， 将信用卡分期业务推向年度营销的"C位"。在用户增长见顶的存量博弈时代，这场密集让利的背后，是银 行试图通过分期业务深挖存量客户价值，开辟零售信贷领域新利润增长点的考量。与此同时，行业转型的 信号也在持续释放，部分银行相继下线自选分期、停办超长分期业务，标志着信用卡行业正彻底告别粗放 式增长，迈入"精耕细作"的全新周期。 加码信用卡分期营销 在信用卡分期年终营销战中，国有大行凭借资源优势，将优惠精准锚定手机等消费领域。中国银行福建省 分行推出的活动中，持卡人在中国移动相关渠道使用"分期免息购机"方式下单，支付时选择使用中国银行 银联信用卡进行分期支付，有机会享受满4000元减200元（名额不少于1000个）、8000元减400元（名额不 少于1500个）优惠。 从"规模优先"到"质量优先" 股份制银行则聚焦区域消费场景，打造本地化优势。华夏银行西安分行针对陕西省内62银联信用卡有效持 卡人，在当地居然之家南二环店、苏 ...

Core Viewpoint - The People's Bank of China and 12 departments have jointly issued an implementation plan to enhance financial support for consumption in Beijing, aiming to improve financial service levels in the consumption sector by 2030 [1] Group 1: Financial Support for Key Consumption Areas - The implementation plan emphasizes increasing credit support for consumer goods, particularly in the automotive sector, by optimizing loan issuance ratios, terms, and interest rates [2] - Financial institutions are encouraged to innovate financial products for various car purchasing scenarios, including new and used vehicles, with a focus on electric vehicles [2] - The plan includes support for consumer finance in home appliances, green smart home renovations, and electronics, promoting consumer loan offerings and credit card installment discounts [2] Group 2: Infrastructure and Service Sector Support - The plan incorporates financial support for consumer infrastructure and commercial circulation systems, urging financial institutions to optimize products and services for commercial upgrades and infrastructure investment [2] - Key consumer service sectors identified for financial support include cultural tourism, hospitality, and elder care services [2] Group 3: Tailored Services for Specific Demographics - The implementation plan outlines financial support for employment-related groups, the elderly, and foreign visitors, focusing on enhancing financial services for these demographics [3] - Support for small and micro enterprises includes interest subsidies for first-time loans and entrepreneurial loans, promoting job creation [3] - Financial institutions are encouraged to develop services tailored to the elderly, such as convenient payment options and specialized financial products [3] Group 4: Enhancing Financial Institutions' Service Capabilities - A multi-faceted financing support system is established, including credit, bonds, and equity financing [4] - Banks are encouraged to increase support for service consumption sectors through various loan types, including first loans and credit loans [4] - The plan promotes bond issuance for qualified enterprises in cultural, tourism, and education sectors, as well as equity financing for quality enterprises in the consumption industry [4]

Core Viewpoint - The article outlines a comprehensive plan by the People's Bank of China and 12 other departments to enhance financial support for consumption in Beijing, aiming for significant improvements in financial services by 2030, particularly in sectors like accommodation, dining, cultural tourism, education, and elder care [5][6]. Summary by Sections Overall Goals - The plan aims to elevate the financial service level in Beijing's consumption sector by 2030, focusing on increasing loan balances and credit support in key areas such as accommodation, dining, cultural tourism, education, and elder care [6]. Key Areas of Financial Support - **Consumer Credit Support**: Emphasis on increasing auto loans, optimizing financial products for various purchasing scenarios, and promoting green consumption through financial incentives [7]. - **Cultural and Sports Consumption**: Financial institutions are encouraged to innovate financing models and increase credit for cultural and sports events, leveraging Beijing's status as a cultural center [8]. - **Accommodation and Dining Services**: Support for creating unique dining and cultural experiences, with financial incentives for businesses to enhance consumer engagement [9]. - **Elder Care and Domestic Services**: Financial institutions are urged to collaborate with service providers to offer tailored financial services for domestic workers and elder care facilities [9]. - **Infrastructure and Trade Systems**: Financial support for upgrading commercial infrastructure and optimizing loan conditions for businesses in the consumption sector [10]. Supporting Consumer Demand - **Employment and Income Support**: Initiatives to lower financing costs for small and micro enterprises, enhancing their capacity to create jobs [10]. - **Services for the Elderly**: Financial institutions are encouraged to develop services tailored to the elderly population, including payment solutions and dedicated financial products [11]. - **Foreign Consumer Services**: Enhancements in payment services for foreign visitors, including expanding the use of foreign cards and optimizing payment processes [11]. Enhancing Financial Institution Services - **Credit Support**: Financial institutions are urged to provide differentiated and convenient financial services, focusing on the consumption sector's diverse needs [12]. - **Bond Market Financing**: Encouragement for companies in cultural, tourism, and education sectors to issue bonds to raise funds [12]. - **Equity Financing**: Support for quality enterprises in the consumption industry to raise funds through equity markets [12]. Policy Coordination - **Monetary Policy**: Implementation of supportive monetary policies to encourage lending in key consumption sectors [13]. - **Fiscal Policy**: Introduction of interest subsidy policies to lower financing costs for consumers and service providers [14]. - **Insurance System**: Development of insurance products tailored to the needs of the elderly and low-income groups [14]. Financial Environment Optimization - **Payment Environment**: Initiatives to enhance the payment experience for consumers, including the promotion of digital currency [15]. - **Consumer Rights Protection**: Establishment of mechanisms to protect consumer rights and enhance financial literacy [16]. Organizational Support - **Coordination and Evaluation**: Strengthening collaboration among financial departments and relevant authorities to ensure effective implementation of the plan [17]. - **Experience Sharing**: Financial institutions are encouraged to share best practices and promote awareness of financial support policies [17].

Core Insights - The People's Bank of China Beijing Branch, along with 12 other departments, issued an implementation plan to support the expansion of consumption in Beijing, aiming to enhance financial services in the consumption sector by 2030 [1][2] Group 1: Financial Support for Consumption - The implementation plan emphasizes the need for quality enterprises in the consumption industry to finance through public offerings and "New Third Board" listings [1] - It aims to increase the loan balance for sectors such as accommodation, catering, cultural tourism, education, and elderly services, while enhancing the quality and efficiency of personal consumption financial services [1] - The plan sets a goal to establish a diversified consumption financial service system to support Beijing's development as an international consumption center [1] Group 2: Credit Support and Financial Products - The plan calls for increased credit support for consumer goods, particularly in the automotive sector, by optimizing loan issuance ratios, terms, and interest rates [2] - Financial institutions are encouraged to innovate financial products tailored to various car purchasing scenarios, including first-time purchases and trade-ins, with a focus on electric vehicles [2] - There is a push for financial institutions to meet consumer demand in areas like home appliances, green smart home renovations, and electronics through various promotional activities [2] Group 3: Equity Financing and Investment - The plan supports equity financing for quality enterprises in the consumption industry through public listings and private equity investments [2] - It encourages social capital to invest in key service consumption areas, utilizing "long-term capital" and "patient capital" to meet the financing needs of long-cycle consumption industries [2] - The role of private equity and venture capital funds is highlighted to increase investments in seed and early-stage enterprises [2]

总体目标方面，实施方案提出，力争到2030年北京市消费领域金融服务水平进一步提升，北京市住宿餐 饮、文旅体育、教育、居民服务等服务消费和养老产业贷款余额持续增长、信贷投放力度不断加大，个 人消费金融服务质效不断提升，金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服 务体系基本建成。 实施方案明确，加大商品消费信贷支持力度。积极开展汽车贷款业务，合理确定贷款发放比例、期限和 利率，适当减免汽车以旧换新过程中提前结清贷款产生的违约金。引导金融机构针对首次购买、以旧换 新、二手车等不同购车场景优化创新金融产品，加大对汽车特别是新能源汽车消费的金融支持力度。鼓 励金融机构积极满足家电以旧换新、绿色智能家居家装、电子产品等领域消费金融需求，通过多种形式 参与商家促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 在扩大消费供给方面，实施方案提出，发挥信贷支持主渠道作用。辖内各银行、消费金融公司、汽车金 融公司等金融机构要找准自身功能定位，发挥自身优势，为消费领域提供差异化、特色化、便捷化的金 融服务。鼓励辖内银行加大对服务消费领域内部资金转移定价支持，创新优化服务消费领域信贷产品， ...