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]

春潮澎湃处,消费启新程。作为经济腾飞的核心引擎,消费既承载着亿万家庭对品质生活的殷殷期盼,更映 射着经济脉动的强劲律动。在国家"提振消费"战略指引下,作为"北方消费第二城"的青岛正加速向国际 消费中心城市迈进。作为与城市同频共振发展的青岛工行以金融之笔为岛城绘就消费新图景,积极响应 中央经济工作会议部署,深度践行国家金融监督管理总局《关于发展消费金融助力提振消费的通知》要 求,在政策落地、惠民服务、场景革新、生态构建四大维度精准施策,以金融创新力促消费升级,让"金融 活水"滋养消费沃土,奏响岛城民生焕新的时代乐章。 尚青龙 青岛报道 在总行战略指引下,青岛工行已构建起覆盖全生命周期的消费信贷矩阵:面向具有稳定收入的市民提供"融 e借"信用贷款产品,线上线下（300959）双渠道智慧办理；针对按揭客户推出"随房e借"产品,一站式满足 客户从购房到装修的需求；面向小微商户推出"助商组合贷"产品,以客户为中心统一授信,贯通经营消费 双场景；围绕养老金融需求推出"社保闪借""年金闪借"等产品；面向退役军人推出用于消费的"乐业 贷"和用于经营周转的"创业贷"。2025年一季度,青岛工行个人消费贷款投放突破9亿元,绘就金 ...