Core Insights - The article highlights the innovative efforts of the Harbin Nangang Branch of China Construction Bank in consumer finance, showcasing their commitment to enhancing the quality of life for citizens through various financial services [1][2] Group 1: Service Innovation - The branch has developed a "365 days open" service system, reducing the processing time for installment loans from 3 days to as fast as 10 minutes, with an intelligent risk control system capable of real-time data verification [2] - The bank offers over 10 customized product combinations, such as "zero down payment flexible purchase" and "used car replacement subsidies," aiming to provide 300 million yuan in consumer installment loans to new citizens in 2024 [2] Group 2: Green Consumption Ecosystem - Under the "dual carbon" goals, the bank is accelerating the adoption of electric vehicles by creating a "scene + finance" model that extends its services through digital tools, reshaping the automotive consumption chain [1] - The bank has established deep partnerships with over 10 new energy brands, including Tesla and Xiaopeng, to create a one-stop service platform that integrates online car selection, offline test drives, and intelligent installment options [1] Group 3: Home Decoration Financing - The bank has integrated the home decoration industry chain, allowing installment services to penetrate every aspect of home renovation, from tile selection to full home customization [2] - The innovative home decoration ecosystem service has collaborated with over 50 brand merchants, enabling customers to compare prices online and apply for installments easily, with a cumulative transaction volume exceeding 150 million yuan and services provided to over 2,000 families [2] - Future developments include a consumer installment intelligent navigation system that uses big data analysis to match financial products to customers accurately, aiming to create a comprehensive service lifecycle from car purchase to home decoration [2]