日前，国新办举行新闻发布会，介绍个人消费贷款贴息政策和服务业经营主体贷款贴息政策有关情况。 这两项贴息政策，分别从消费的需求端和供给端发力，将财政金融政策的着力点更多转向惠民生、促消 费，以"真金白银"助力居民更好消费、经营主体提升消费服务水平。 其次，创新产品，精准匹配需求。银行应抓住政策窗口，加大个人消费贷款投放力度。一方面，围绕住 房、教育、医疗等重点领域，为不同客群量身定制差异化产品：面向购房群体推出"家居贷""装修贷"等 组合方案，满足其随房衍生消费需求。另一方面，紧跟绿色消费、智能消费、数字消费新趋势，与新能 源汽车厂商联合推出低息分期方案；结合线上购物场景，开发秒批秒贷的线上消费信贷产品，让融资更 便捷。 再次，优化服务，提升体验。银行应进一步简化申请流程，探索远程开户、线上激活信用卡等无纸化服 务；整合信用卡、分期付款、消费贷等功能，实现"一站式"办理；运用人工智能技术上线7×24小时智能 客服，实时解答咨询。在风险可控前提下，对信用良好但收入证明不足的新市民，综合评估其社保、公 积金缴纳记录，给予合理授信额度，帮助其更好融入城市生活；同步建立尽职免责机制，打消一线人员 顾虑，鼓励其积极拓展消 ...

Core Viewpoint - Recent initiatives by multiple regions aim to boost consumption and stimulate economic growth, with the banking industry responding by adjusting credit strategies to meet diverse consumer financial needs [1] Group 1: Credit Strategy Adjustments - The banking sector is optimizing product offerings to better support consumption, introducing specialized consumer loan products for housing, automobiles, education, and tourism [1] - Notable products include "Home Loan," "Renovation Loan," and "Education Loan" tailored for specific consumer groups, as well as senior-friendly financial products [1] - Banks are collaborating with electric vehicle brands to offer low-interest loans for green consumption, with some models featuring zero down payment and extended repayment terms [1] Group 2: Focus on Daily Consumer Needs - Banks are enhancing credit card payment and installment services to stimulate consumption, focusing on key areas like home decoration, automobiles, and home appliances [2] - Agricultural Bank is implementing promotional activities such as credit card discounts and interest-free installments to meet consumer demands [2] - Adjustments in loan terms are being made to extend repayment periods for long-term consumer needs, thereby alleviating financial burdens on consumers [2] Group 3: Deep Collaboration with Merchants - The banking industry is engaging in deep collaborations with merchants to provide financial support and joint marketing efforts, enhancing consumer experiences [3] - Partnerships in the housing sector allow customers to apply for home loans and home decoration loans simultaneously, benefiting from exclusive rates [3] - Customized financial solutions are being developed in the automotive sector, integrating loan processes with vehicle purchasing for a seamless experience [3] Group 4: Joint Marketing and Local Support - Joint marketing initiatives are being utilized to attract consumers through mobile banking apps and social media channels, promoting merchant discounts and consumption strategies [4] - Agricultural Bank's "Merchant e-loan" provides unsecured loans based on merchant performance, aiding in operational funding and inventory management [4] - Local banks are supporting regional industries, such as providing credit to the stone industry, thereby facilitating equipment upgrades and local economic development [4]