原标题：创新消费场景带火"一圈一区" 今年以来，天津市围绕新商圈、重点社区"一圈一区"积极拓展消费场景，丰富商业载体、社区消费体系 和沉浸式文旅消费体验。2025年上半年，天津居民人均消费支出18673元，比上年同期增长4.0%。 在天津市武清区V1赛车体育嘉年华上，上百辆炫酷改装车咆哮集结，列队开启声势浩大的巡游，看台 上数千名观众欢呼雀跃。小朋友们在亲子游乐区内排队体验复古卡丁车，欢声笑语不绝于耳。 这是第五届海河国际消费季启动时的一幕。作为商务部"购在中国"天津站的重要活动内容，消费季活动 选择在天津市武清区V1汽车世界举办，别有深意。武清区"新商圈"专项工作指挥部办公室副主任张朝 阳说："过去，市民们习惯了到传统汽车销售卖场静态看车买车，如今，我们开辟了汽车嘉年华，消费 者既可现场体验赛车乐趣，也能近距离体验品牌进口车、国产新车。现场还有国际商品市集和武清区精 品市集板块，市民能买到多个国家的进口商品和武清区特色商品，体验全新消费场景。" 本届消费季还推出商圈精品购物节、第六届天津夜生活节、2025天津美好生活节等10场标杆活动，将持 续至9月底。 天津农商银行数字银行部主要负责人李志冉说，该行的数字 ...

Core Insights - The banking industry is increasingly exploring scenario finance, integrating financial services into daily life and community interactions [1][2][3] Group 1: Scenario Finance Development - Tianjin Rural Commercial Bank has innovatively integrated smart property scenarios in the Chaoyang Street community of Jinghai District, becoming the first comprehensive convenience service platform based on property in the city [1][3] - The bank's digital financial initiatives have included applications in tax, elderly care, and healthcare, enhancing service delivery in these areas [1][3] Group 2: Community Engagement - Community finance facilitates high-frequency interactions between the bank and local residents, improving service accessibility and promoting local business development [3][4] - The implementation of the "Jixiang Property Pass" has significantly increased property payment rates and reduced operational costs for property companies [3] Group 3: Data Utilization - The core value of scenario finance lies in constructing precise customer profiles based on multi-dimensional user data, enabling proactive identification of customer needs and personalized financial services [5] - The bank plans to incorporate community consumption behavior data into credit assessments for retail loan products, enhancing the accuracy of credit evaluations [5][6] Group 4: Policy Support - The People's Bank of China and the National Development and Reform Commission have issued a plan to support financial institutions in enhancing service quality through digital technology, promoting high-quality development of the digital economy [4]