Group 1: Core Insights - The article highlights the expansion of consumption scenarios in Tianjin, focusing on the "one circle, one area" initiative to enhance community consumption and immersive cultural tourism experiences [1][2] - By the first half of 2025, the per capita consumption expenditure of Tianjin residents is projected to reach 18,673 yuan, reflecting a 4.0% increase compared to the previous year [1] - The fifth Haihe International Consumption Season has been launched, featuring ten flagship events, including a shopping festival and a night life festival, running until the end of September [1] Group 2: New Consumption Scenarios - The "New Business Circle" in Wuqing District is designed to attract inbound consumption, offering tax refund services for foreign tourists spending over 200 yuan [2] - Major shopping centers in Tianjin's key business districts are focusing on "first launch economy," introducing new products and experiences to attract consumers [2] - The introduction of various cultural and sports events, such as the Football Carnival and national-level competitions, aims to integrate sports with consumption [2] Group 3: Community Consumption Innovations - Financial institutions, property companies, and community organizations are collaborating to create "property community managers" and "15-minute convenient living circles," enhancing local service offerings [3][4] - The "Jixiang Property Pass" digital financial product integrates financial services with community needs, providing a seamless connection between financial services and daily life [3][4] - The implementation of the "Jixiang Property Pass" has led to increased property payment rates and reduced operational costs for property management companies [4] Group 4: Future Plans - Tianjin Rural Commercial Bank has completed pilot projects for two living circles in the Xinhai District and plans to establish five living circles by the end of 2025, with a goal of 20 by 2027 [5]

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]