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江西银行消费金融助力“双节”赣鄱消费热潮
Xin Hua She· 2025-10-15 05:43
Core Insights - Jiangxi Bank has launched a "Consumer Finance Package" during the "Double Festival" holiday, focusing on consumer dynamics and hot demands, integrating online and offline resources to stimulate consumption [1][4] - The bank's personal comprehensive consumer loans and credit card overdraft balances have increased by 11.67% and 9.85% respectively since the beginning of the year, facilitating 10.84 million online transactions totaling 3.7 billion yuan [1] Group 1: Product Offerings - The "Four Good" product series targets core consumer needs in clothing, food, housing, and transportation, creating a comprehensive product matrix to meet diverse consumption demands during the holiday [2] - The "Good Life" series includes products like "Good Life Quick Loan" and "Jiangyin Fast Loan," which utilize digital processes for quick approvals, with funds available in as little as 5 minutes [2] - The "Good Journey Car Loan" offers flexible loan amounts and exclusive interest rates for large automobile purchases, with a repayment period of up to five years [2][3] Group 2: Consumer Support - The "Good Home" mortgage product provides optimal down payment ratios and interest rates, along with a streamlined approval process to support home purchases during the holiday [3] - The "Good Business Micro Flash Loan" offers unsecured, pure credit loans for small businesses, with rapid disbursement to alleviate inventory concerns during peak consumption periods [3] Group 3: Scene Integration - Jiangxi Bank has enhanced scene channel integration, launching a "scene + credit + rights" service system to activate market potential through various consumer scenarios [4] - The bank's offline tourism experience has been upgraded with comprehensive discounts for travel-related expenses, encouraging customer engagement through themed activities [4] - The "one beautiful life" platform integrates various online channels, allowing users to enjoy discounts and benefits from the comfort of their homes [4] Group 4: Future Outlook - Jiangxi Bank plans to continue optimizing its "Good" series financial products and deepen the integration of online and offline scenes to provide more precise financial services and richer consumer rights [5]