今年以来，一系列扩内需、促消费政策发力显效，我国消费市场平稳增长，消费新动能持续壮大。与此 同时，中国建设银行宿迁分行（以下简称"建行宿迁分行"）积极贯彻落实党中央、国务院提振消费重要 决策部署，践行总行"圈链群"经营策略，以数字化运营平台为支撑，政府活动补贴为契机，构建"政府 +平台（银行）+商户+消费者"四方联动生态，有效深耕家电3C、家装家居产业上下游重点客群，实现 结算开户、收单结算、信贷融资等金融服务覆盖，向消费市场注入金融"活水"，培育消费新动能。 多措并举 提升数字金融服务质效 消费一头连着社会经济，一头连着民生福祉。培育一批带动性广、显示度高的消费新场景，加快推动传 统消费守正创新，是持续推动消费热起来、火起来的重要动能。建行宿迁分行以提振消费为己任，加强 与地方政府、重点商户等的政银企合作，加大消费信贷供给力度，把金融产品融入消费场景中，丰富服 务消费供给，创新服务消费场景，更好满足消费领域的金融需求。 金融惠民 激发消费市场新动能 去年3月，国务院印发《推动大规模设备更新和消费品以旧换新行动方案》，统筹推动汽车换"能"、家 电换"智"、家装厨卫"焕新"以及电动自行车以旧换新。在激发绿色节能 ...

前言 近期，银行业在消费信贷策略上出现显著转向，开始将40岁以上中年人视为重点服务对象。 政策也在助推这种转向。国家金融监管总局直接发文，把消费贷额度上限从30万提到50万，还款期限从 5年延到7年。 这一变化源于该群体庞大的人口基数与稳定的刚性消费需求。 据统计，全国40岁以上人口占比已达46.7%，规模近3.5亿，其消费多集中于住房改善、子女教育、家庭 医疗等不可或缺的领域，构成了消费市场的"压舱石"。 与此同时，政策层面亦给予支持，消费贷额度上限已阶段性提高至50万元，贷款期限最长可延至7年， 为银行深耕该市场创造了条件。 风向彻底变了 最近银行圈有个悄悄的变化：以前拼命给年轻人塞信用卡的营销电话，现在开始追着40岁以上的中年人 推消费贷了。 这种转变背后，是信用卡发卡量连续下滑的现实，2024年全国信用卡减少了4000万张，而消费贷余额却 突破21万亿元，简直冰火两重天！ 银行为啥调头？因为算盘打明白了！年轻人虽然敢花，但工作不稳，消费说砍就砍。反倒是上有老下有 小的中年人，每个月的支出像上了发条：孩子补习班要交钱，父母体检要备着，房子漏水得重修，这些 钱一分都省不下来。 中年人的"被动消费"才是真刚 ...

活动主办地常德河街人流如织。农业银行在河街状元门，以"金秋庆丰收 悦享惠生活"为主题，联合多方主体签订 县域消费提振合作备忘录，布放"县域生活圈"、家装分期等消费促进主题展板，展播县域专属信用卡产品及重点 合作平台联合优惠举措视频，以多重形式生动展现农业银行金融支持县域消费惠民措施。 政银企多方联动 共绘县域发展新图景 活动现场打造的"农行哇宝寻宝点"成为一大亮点。农行工作人员向往来市民和游客介绍农行信用卡消费优惠权 益，引导客户参与打卡活动，直观感受金融服务县域消费活动成效。此外，在常德澧县万达等商圈同步开展信用 卡消费5折优惠活动，为消费者带来真金白银的实惠。 推出十大惠民措施 激活县域消费潜力 在第八个中国农民丰收节，农业银行联合中国银联在湖南常德启动"中国农业银行·中国银联县域消费提振联合惠 民行动"现场发布活动。此次发布活动紧扣国家乡村全面振兴战略部署，契合农民丰收节主题，汇聚政府部门、金 融机构、合作企业等多方力量，以金融赋能激活县域消费潜力，为乡村振兴注入强劲动能。文化和旅游部产业发 展司相关领导受邀出席，抖音、携程、美团等平台企业代表参加活动。 发布活动上，农业银行推出"信用卡支持县域消费提振 ...

Group 1: Financial Services and Consumer Demand - Agricultural Bank of China (ABC) Fujian Nanping Branch focuses on meeting the diverse consumption needs of urban and rural residents by integrating financial services into various consumption scenarios such as agricultural machinery installment, home renovation, and green travel [1][4] - As of the end of May this year, the installment balance reached 1.561 billion yuan, with a new installment transaction amount of 550 million yuan, serving 23,000 households [1][5] Group 2: Agricultural Machinery Financing - ABC Nanping Branch facilitated the upgrade of a tea factory's production line by providing the first agricultural machinery installment loan, allowing the purchase of 30 new automated tea processing machines, increasing annual processing capacity to 210 tons [2] - The financing solution involved bundling multiple machines into a single installment project, overcoming previous limitations of traditional financing methods [2] Group 3: Home Renovation Financing - ABC's home renovation installment product has a balance of 288 million yuan, covering 8,011 families, with 75.48% of clients from county areas [5] - The bank established a dedicated service team across 10 branches to promote the home renovation installment product through various online and offline channels [4] Group 4: Upgraded Transportation Solutions - ABC Nanping Branch issued 93.8 million yuan in auto installment loans by the end of May, with 32% of these loans allocated for new energy vehicles [7] - The financial scheme for new energy vehicles includes a 15% down payment and a 3.8% interest rate, making it financially accessible for residents [6]

Core Viewpoint - The People's Bank of China (PBOC) in the Xingan League is implementing policies to enhance the payment environment, promoting consumption upgrades and facilitating local economic development through various financial services and incentives [1][5]. Group 1: Payment Environment Optimization - The PBOC is guiding banks to introduce consumption discounts and installment fee waivers, leveraging the synergy between these policies and the "old-for-new" consumption initiative [1][5]. - A total of 1,236 new payment scenarios were added in the consumption sector from January to April, with subsidies for the "old-for-new" policy amounting to 28.4151 million yuan [5]. - The issuance of consumption discount vouchers reached 1.328 million yuan, while installment fee waivers totaled 365,000 yuan, resulting in an increase in local consumption by 18 million yuan [5]. Group 2: Collaborative Mechanisms - The PBOC and the local Commerce Bureau have established a collaborative mechanism for policy implementation, including monthly consultations, quarterly supervision, and annual evaluations [2]. - A strategic partnership has been formed among banks, payment institutions, and key commercial enterprises, creating a collaborative framework of "government support, financial empowerment, and merchant participation" [2]. Group 3: Multi-Scenario Payment Solutions - In the home decoration sector, a comprehensive payment ecosystem has been developed, featuring smart POS terminals that support installment payments and fund supervision, leading to a 135% year-on-year increase in transaction volume [3]. - The home appliance sector has seen the introduction of interactive payment terminals that offer extended services, resulting in a 17% increase in average transaction value for large appliances from January to April [3]. - The automotive sector has implemented a one-stop financial service process at 4S stores, reducing average transaction time by 40% and increasing monthly sales by 22% [3]. Group 4: Enhanced Consumer Experience - The financial department has standardized payment signage in key commercial areas, establishing a "service ranking" system for payment services, with 36 merchants recognized as "gold medal payment service demonstration stores" [4]. - A safety assurance plan has been developed to enhance payment security, resulting in 526 reminders issued and 87 suspicious transactions intercepted, recovering losses of 1.83 million yuan [4]. - Services tailored for the elderly have been introduced, including accessible payment terminals and tiered discount policies, benefiting over 8,600 individuals aged 60 and above [4]. Group 5: Future Development Plans - The PBOC plans to deepen structural reforms in payment services, extending services to remote areas and optimizing payment environments in rural and pastoral regions [6]. - The initiative will also support various consumption sectors, enhance risk prevention across the payment chain, and explore "payment plus" models in green consumption and the silver economy [6].

Core Insights - The China Construction Bank Qinghai Branch is implementing a service model that integrates "government ecosystem + industrial chain + customer service network" to enhance financial services in specific consumption scenarios such as home furnishings, cultural tourism, and county-level services, thereby driving high-quality economic development in the province [1] Group 1: Government and Consumer Collaboration - The Qinghai Branch has facilitated a consumption subsidy program through the "Construction Bank Life" platform, enabling over 18,000 applicants to receive subsidies totaling 8.992 million yuan, which has stimulated over 350 million yuan in home furnishing consumption [3] - The bank has established a "demand express" mechanism in collaboration with key consumption venues, allowing for rapid feedback on market needs and the expansion of subsidy policies to include additional products [5] Group 2: Service Innovation - The Qinghai Branch has created a comprehensive service network combining online and offline channels, improving service efficiency and quality, with a daily consultation handling capacity exceeding 300 inquiries and a daily app access rate of over 16,000 users [5][6] - A specialized service team has been formed to ensure precise fund distribution, implementing a dual-level review mechanism to expedite the process while enhancing consumer rights protection [6] Group 3: Financial Empowerment - The Qinghai Branch is addressing consumer financial pressures and merchant promotional challenges by offering a combination of consumer credit and merchant financing solutions, allowing flexible payment options for consumers and fee waivers for merchants [7] - The bank aims to leverage smarter technology and warmer services to enhance consumer welfare in the region [8]

Core Viewpoint - The article emphasizes the importance of enhancing consumer spending and financial capabilities to drive high-quality economic development, highlighting the role of financial institutions in implementing the "Special Action Plan to Boost Consumption" [1][8]. Group 1: Strategies to Boost Consumption - The Agricultural Bank of China (ABC) in Pu'er focuses on seven key areas to stimulate consumption, including collaboration with government and enterprises to promote trade-in programs [1]. - ABC has launched various credit card promotional activities targeting key consumption sectors such as food, tourism, and retail, resulting in a total of 120,000 yuan in benefits this year [2]. - The bank has optimized financial products and services, with personal consumption loans reaching 2.09 billion yuan, an increase of 112 million yuan since the beginning of the year [2]. Group 2: Financial Support for Small and Micro Enterprises - ABC has introduced tailored financial products for small and micro enterprises, including "Micro Loan" and "Science and Technology Loan," to address their unique financing challenges [5]. - The bank has implemented a "no repayment" renewal loan policy, providing 25.237 million yuan in support to nearly 33 clients, with a total loan balance for small enterprises reaching 4.998 billion yuan [6]. - ABC has established a professional service team to assist small businesses with policy interpretation and financial management, enhancing their operational stability [5]. Group 3: Consumer Rights Protection and Financial Literacy - The bank has strengthened consumer rights protection by establishing a comprehensive management system and conducting financial education activities, reaching over 804,679 consumers since 2025 [4]. - ABC aims to enhance consumer financial literacy through diverse educational initiatives, fostering a safe consumption environment and boosting consumer confidence [10]. Group 4: Future Focus Areas - ABC plans to intensify cooperation with government and enterprises to promote trade-in policies and support key consumption sectors such as housing, automobiles, and home decoration [8]. - The bank will enhance financing support for the consumer industry, particularly in catering, retail, and tourism, to alleviate financial pressures on small businesses [9].

转自：新华财经 每2.8分钟完成一笔分期审批，每15分钟诞生一位分期车主，每1小时助力一个家装梦想……这些跃动的 数字背后，体现的是建设银行哈尔滨南岗支行持续15年的创新坚守。从率先引入信用卡购车分期到构建 车居联动消费生态；从线下填单到全程数字化办理；从单一汽车消费延伸至家装、教育等各个领域金融 服务，建设银行哈尔滨南岗支行不断深耕消费金融创新，点亮百姓品质生活。 场景扩容：构建绿色消费生态圈 在"双碳"目标驱动下，新能源汽车正加速驶入千家万户。建设银行哈尔滨南岗支行通过"场景+金融"的 创新模式延伸服务触角，以数字化工具重塑汽车消费链路。 当普惠金融插上数字化翅膀，金融服务正打破时空与效率的边界，不断加快构建智能风控模型，提升用 户体验。 该行打造的"365天不打烊"服务体系，将分期业务办理时效从3天压缩至最快10分钟，智能风控系统可实 时完成20余项数据校验。针对不同客群定制"零首付弹性购""二手车置换补贴"等10余种产品组合，2024 年为新市民群体发放消费分期贷款超3亿元。 家装分期：托起安居梦的新支点 建设银行哈尔滨南岗支行以场景化思维打通家装产业链，让分期服务渗透到瓷砖选购、全屋定制等每个 环节 ...

Core Insights - Beijing Bank reported strong performance in retail business for the year 2024, highlighting significant growth and contributions to overall revenue [1] Group 1: Retail Business Performance - Retail revenue reached 24.941 billion yuan, a year-on-year increase of 2.26%, contributing 36.97% to the bank's total revenue [2] - Net interest income was 23.961 billion yuan, up 4.66% year-on-year, with a contribution increase of 2.48 percentage points [2] - Assets Under Management (AUM) hit a record 1.22 trillion yuan, growing by 178.778 billion yuan from the beginning of the year, representing a growth rate of 17.25% [2] - Individual loan balance reached 702.615 billion yuan, with personal business loans and consumer loans increasing their share by 3.4 percentage points [2] - Retail customer base surpassed 30.7 million, with VIP customers exceeding 1.1 million and private banking clients over 17,000 [2] Group 2: Service Expansion and Digital Transformation - The bank is focusing on enhancing financial services to support consumer demand and improve living standards [3] - The "Beijing Bank Service Action Plan" aims to support the construction of an international consumption center city [4] - Digital loan products like "Jing e-loan" saw a growth rate of 109% compared to the beginning of the year [4] - Credit card initiatives, such as the "Weekend Happiness Life" brand, attracted 16% more new customers year-on-year [4] - Consumer installment loans increased by 53% year-on-year, with new policies like zero down payment for auto loans and expedited approval for home decoration loans [4] - The bank partnered with the Beijing Federation of Trade Unions to create a platform for 6.3 million union members to enhance their consumption capabilities [4] - The bank improved payment convenience for foreign nationals in China by deploying nearly 12,000 foreign card POS terminals, with transaction amounts exceeding 60 million yuan [4]

Core Insights - Agricultural Bank of China Chifeng Branch actively responds to national policies aimed at expanding domestic demand and promoting consumption, enhancing financial supply in the consumer sector and supporting the implementation of various policies [1][2] Group 1: Financial Support and Loan Growth - As of the end of February, the bank has issued a total of 450 million yuan in personal consumer loans, ranking among the top in the industry [1] - The bank's personal consumer loans increased by 76.74 million yuan compared to the beginning of the year [1] - The bank has provided 39.84 million yuan in auto installment loans this year, demonstrating a strong focus on the automotive sector [2] Group 2: Service Initiatives and Consumer Engagement - The bank has implemented various service measures to invigorate consumption, including promoting products like "Wangjie Loan" and focusing on key areas such as elderly care and cultural entertainment [1] - The bank has organized promotional activities in rural areas and communities to raise awareness of credit card cash installment and home decoration installment policies, enhancing consumer interaction [2] - Collaborations with local supermarkets and digital product dealers have been established to conduct promotional activities, stimulating consumer interest and market potential [2] Group 3: Digital Empowerment and Customer Segmentation - The bank emphasizes digital empowerment by integrating and analyzing customer data to categorize customer segments, allowing for precise service information delivery [2]