Core Insights - The government has prioritized "boosting consumption" as its top task for the year, with the Bank of Communications Shaanxi Branch (Shaanxi BOC) playing a key role in regional finance by creating a service system that integrates "policy guidance, product adaptation, scenario penetration, and ecological collaboration" to inject sustainable financial momentum into consumption [1][2]. Group 1: Front-End Consumption - The core of front-end consumption lies in resolving the structural contradictions between residents' consumption capacity and willingness. Shaanxi BOC effectively releases consumption potential through "inclusive relief and precise drip irrigation" [1]. - The foundation of consumer confidence is stable housing. Shaanxi BOC actively implements the central bank's policy to lower existing mortgage rates, benefiting over 50,000 home-buying families and directly releasing over 100 million yuan in annual consumption potential [1]. Group 2: Mid-Stream Consumption - Financial "nourishment" for industries is a necessary measure to boost front-end consumption. Shaanxi BOC employs an industry credit approach to address financing difficulties and facilitate consumption cycles [2]. - The bank has launched the "Fuping Dairy Goat Loan" to support the dairy goat industry, utilizing various data points to overcome challenges related to fixed asset collateral and third-party guarantees [2]. - The "Xingnong Business Circle Loan" targets agricultural product circulation, expanding the number of supported wholesale markets from 8 to 11 and increasing credit limits to a maximum of 7 million yuan [2]. Group 3: Consumption Loans - Consumption loans are a core tool for boosting consumption, with Shaanxi BOC establishing a "cash + scenario" product system, featuring the "Huimin Loan" with a maximum credit limit of 1 million yuan [3]. - The bank has increased the loan ratio for new energy vehicles to 100% and collaborates with numerous brands to integrate green finance into the consumption chain [3]. - Credit card consumption serves as a primary support for scenario finance, with initiatives such as new customer rewards and promotional activities across various sectors to stimulate high-frequency spending [3].