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 ...

转自：新华财经 建行山东省分行始终将"金融为民"的初心融入服务肌理，将消费者权益保护与为民办实事深度融合，聚 焦银发群体、提振消费、涉外服务等领域，构建起覆盖多元需求的金融服务体系，以专业与温度书写着 国有大行的责任答卷。 创新消保模式，筑牢金融安全防线 在金融产品日益复杂、金融诈骗手段不断翻新的背景下，消费者权益保护面临新挑战。建行山东省分行 围绕风险提示、社会热点、投诉焦点三大维度，打造特色化、立体化消保格局。 该行以"漫画绘权益"活动为载体，鼓励消费者通过漫画创作解读消保知识，将晦涩的金融风险提示转化 为生动直观的画面语言，让风险防范意识深入人心；聚焦"理性投资"热点，深入代工单位开展宣讲，围 绕"三适当"原则解析投资陷阱，同时通过开展专题培训、规范销售流程，从内部筑牢适当性管理防线； 直击"投诉维权"痛点，针对黑灰产代理维权乱象，通过线上线下多渠道揭露非法代理危害，为16个二级 分行设立尾号为95533直投电话，畅通正规维权渠道，推动消保工作从"被动应对"向"主动服务"转变。 聚焦银发需求，守护最美"夕阳红" 建行山东省分行从硬件优化到服务升级，全方位呵护银发群体。在网点设立爱心窗口，为老年客户提供 ...

我国人口老龄化进程持续加快，银发群体对适老化金融服务的需求愈发迫切，如何让老年人享受安全、 便捷的金融服务，成为金融机构践行社会责任的重要课题。 建行山东省分行聚焦这一民生关切，从硬件优化到服务升级，全方位呵护银发群体。在网点设立爱心窗 口，为老年客户提供叫号优先服务；配备手写板、大字版操作说明、助盲卡、轮椅等便民设施，设置善 建重阳服务专员，为行动不便的老年客户提供全程陪伴式服务；针对无法到店的高龄客户，主动上门办 理业务，让服务"多跑路"，客户"少跑腿"。 同时，老年群体因信息获取渠道单一、风险防范意识较弱，成为金融诈骗的重点目标，守护养老资金安 全刻不容缓。在养老金融安全领域，建行山东省分行更是主动作为。济南舜耕支行曾成功拦截一起针对 退休工程师的养老资金诈骗，通过识破伪造的"养老金权益追索协议"，避免数十万元养老资金受损；临 清支行工作人员凭借专业敏锐度，劝阻张老先生参与"企业扶贫APP"投资骗局，守护其十余万元存款。 同时，该行通过"厅堂微沙龙"普及防诈知识，建立老年客户转账"重点提示"机制，联合反诈中心化解风 险，为银发群体的养老钱筑起"安全屏障"。 优化涉外服务，点亮外籍人士在华生活 金融服务是 ...

Group 1 - The core viewpoint of the article highlights the significant achievements of China Construction Bank in its digital financial transformation as outlined in its 2025 mid-term report [1] - The bank has implemented a 2025 action plan for digital financial business development, enhancing digital capabilities across various business areas [1] - Financial technology applications have advanced, with a 96.96% year-on-year increase in daily usage, enabling 274 internal scenarios such as credit approval and intelligent customer service [1] Group 2 - The online platform has seen substantial improvements, with a focus on enhancing mobile banking services and financial products, leading to a total user base of 533 million and 243 million monthly active users, a 14.40% year-on-year growth [1] - The digital yuan pilot has progressed well, achieving 522 million transactions and a total consumption amount of 1,048.47 billion yuan, indicating high-quality development of the pilot program [2] - As of June 2025, the bank's loans to core industries of the digital economy reached 852.38 billion yuan, with an increase of 100.98 billion yuan, representing a growth rate of 13.44%, surpassing the overall loan growth rate [2]

Core Viewpoint - China Construction Bank (CCB) actively supports consumption and domestic demand expansion in the first half of 2025, showcasing strong performance in various financial services [1] Group 1: Financial Performance - CCB has launched a special action for financial support of large-scale equipment updates, with total loans exceeding 90 billion yuan [1] - The personal consumer loan balance reached 614.19 billion yuan, an increase of 86.30 billion yuan compared to the end of the previous year, maintaining a leading position in loan balance, new loans, and asset quality among peers [1] - Credit card loan balance stands at 1.05 trillion yuan, also leading in scale among peers [1] Group 2: Consumer Support Initiatives - "CCB Life" has issued 5.6 billion yuan in consumption subsidies across 172 cities, stimulating over 40 billion yuan in consumer spending [1] - CCB supports residents' rigid and improved housing needs, with personal housing loan balance at 6.15 trillion yuan, maintaining leadership in loan balance, disbursement, and asset quality [1]

Group 1 - The core viewpoint of the article highlights the significant progress made by China Construction Bank in its digital financial transformation, as evidenced by the implementation of a 2025 action plan and a three-year action scheme to enhance digital capabilities across various business areas [1] - The application of financial technology has deepened, with a notable increase in reasoning efficiency, leading to a daily usage growth of 96.96% year-on-year, and enabling 274 internal scenarios such as credit approval and intelligent customer service [1] - The online platform has seen substantial improvements, with the total number of "Twin Stars" users reaching 533 million and monthly active users at 243 million, reflecting a year-on-year growth of 14.40% [1] Group 2 - The digital yuan pilot has progressed steadily, achieving a total of 522 million transactions with a consumption amount of 1,048.47 billion yuan, indicating high-quality development of the pilot program [2] - The bank has actively supported the development of the digital economy, with the balance of loans to core industries of the digital economy reaching 852.38 billion yuan, an increase of 100.98 billion yuan or 13.44% since the beginning of the year, surpassing the growth rate of all loans [2]

Core Viewpoint - The article highlights the proactive measures taken by the Chinese government and financial institutions, particularly China Construction Bank (CCB), to stimulate and support automobile consumption through innovative financial products and services aimed at enhancing consumer experience and accessibility [1][3]. Group 1: Government Policies and Financial Support - The People's Bank of China and six other departments issued guidelines to enhance consumer spending, emphasizing the importance of financial support in key consumption areas, including automotive loans [1][3]. - CCB has launched various initiatives to align with government policies, including the introduction of a "zero down payment" car loan service, reducing the financial burden on consumers [3]. Group 2: CCB's Automotive Financial Products - CCB has continuously innovated its automotive financial products, including the recent upgrade of the "Dragon Card Auto Card" to the "Dragon Card Auto Card American Express Platinum," which offers various benefits tailored to modern car owners [2]. - The new card includes features such as discounted electric vehicle charging, free designated driving services, and complimentary car washes, enhancing the overall customer experience [2]. Group 3: Collaboration and Market Reach - CCB has established partnerships with over 80 major automotive brands, providing financing options for new and used cars, as well as related expenses like insurance and taxes, with a maximum installment amount of 1 million yuan and a repayment period of up to five years [2]. - The bank has also focused on supporting the consumption of new energy vehicles by collaborating with leading brands like Tesla and NIO, ensuring comprehensive coverage of the market [2]. Group 4: Impact on Consumer Behavior - CCB's initiatives have significantly impacted consumer behavior, with the bank serving approximately 95.95 million car owners and facilitating nearly 800,000 car purchase transactions through credit card financing in the first half of 2025 [4]. - The bank's efforts in promoting automotive consumption, including the distribution of government subsidies through its platforms, have contributed to a substantial increase in consumer spending, estimated to be close to 10 billion yuan [4].

Core Viewpoint - The financial industry is entering a new phase characterized by challenges and opportunities, with a focus on enhancing consumer spending to drive economic growth and transition from a production-driven to a consumption-driven economy [1] Group 1: Financial Support and Consumer Spending - The establishment of a 500 billion yuan re-loan for service consumption and elderly care is likened to a "financial spring rain," directing low-cost funds to sectors like culture, tourism, and sports through a 100% principal re-loan mechanism [2][3] - China Construction Bank's "Jianhang Life" platform has introduced a five-year interest-free installment plan, increasing consumer car budgets from 200,000 yuan to 300,000 yuan, resulting in a 71.2% month-on-month increase in domestic electric vehicle sales [2][3] - Minsheng Bank has raised the personal consumption loan limit to 500,000 yuan with a seven-year repayment term, significantly easing residents' debt repayment pressure [3] Group 2: Policy and Structural Changes - The financial policy's structural guidance aims to create a dynamic balance between releasing consumer potential and enhancing high-quality supply [3] - In Chongqing, financial institutions have implemented "four actions" to achieve precise supply-demand matching, such as collaborating with Zhengzhou Wanda to create "financial + scene" themed consumption spaces, increasing merchant foot traffic by 30% and extending consumer dwell time by 45% [4] Group 3: Impact of AI on Consumer Finance - The deep integration of artificial intelligence is reshaping the value chain of consumer finance, enhancing efficiency and extending consumption scenarios into immersive experiences [5][6] - Ping An Group has utilized large models to create user profiles, reducing customer acquisition costs by 35%, while its anti-fraud system intercepted 3.42 billion yuan in fraudulent claims, marking a 14% year-on-year increase [6] - The "Silk Road e-loan" by Xinjiang Bank has achieved over 2.8 billion yuan in cumulative credit, serving more than 8,600 farmers through digital risk control models and on-site due diligence [6] Group 4: Systemic Transformation in Finance and Consumption - The interplay between finance and consumption has evolved beyond mere capital supply, becoming a systemic transformation involving policy design, industrial upgrades, and technological revolutions [6] - This transformation has not only released suppressed consumer demand but also driven the supply side towards high-quality upgrades, evidenced by the explosive growth of domestic electric vehicles and comprehensive upgrades in tourism and scenic areas [6]

Core Viewpoint - The news emphasizes the significant role of financial services in promoting China's modernization, highlighting the importance of digital finance and the initiatives taken by China Construction Bank (CCB) to enhance consumer experiences through its "CCB Life" platform [1][10]. Group 1: Digital Finance Initiatives - CCB is actively implementing the spirit of the Central Financial Work Conference by focusing on digital transformation and enhancing its online service platform, "CCB Life," which has expanded to 367 cities and serves over 130 million users [1][10]. - The "CCB Life" platform integrates various consumer services, allowing users to access discounts and benefits across different daily life scenarios, thus embedding financial services into everyday activities [2][13]. Group 2: Consumer Engagement and Government Support - "CCB Life" has facilitated the distribution of government consumption vouchers in 275 cities, with over 60 billion yuan allocated, significantly boosting consumer spending [5][6]. - The platform's zero-commission model attracts merchants, allowing them to benefit from increased customer traffic without the burden of fees, thus fostering a collaborative ecosystem [7][8]. Group 3: Enhancing User Experience - The platform offers a wide range of services, from dining to travel, and has introduced cultural and tourism initiatives to enhance user engagement and satisfaction [3][4]. - CCB Life's promotional activities, such as the "717 Beautiful Life Festival," aim to enhance the public's sense of well-being and access to quality services [10][12]. Group 4: Future Outlook - CCB plans to continue its digital transformation, focusing on integrating financial services with everyday life, while maintaining a commitment to risk management and serving the broader economy [14][15].

Core Viewpoint - The implementation of personal consumption loan interest subsidy policy and service industry operating entity loan interest subsidy policy is a significant measure by the government to boost domestic demand, stimulate market vitality, and improve people's livelihoods [1][2]. Group 1: Policy Implementation - Several major state-owned banks have expressed their commitment to effectively implement the personal consumption loan and service industry loan interest subsidy policies [1]. - The subsidy policy aims to reduce the financing costs for residents and alleviate the financing pressure on service industry entities, thereby facilitating economic circulation and injecting strong momentum into the economic recovery [1][2]. Group 2: Economic Analysis - From a micro perspective, the direct subsidy of specific loan interest by fiscal funds lowers the credit threshold for residents purchasing large consumer goods, directly releasing consumption potential [2]. - The focus on the service industry rather than manufacturing in the subsidy policy addresses the current structural imbalance of "strong production, weak demand," helping to restore cash flow and balance sheets in the service sector [2]. - The policy combines fiscal "precise drip irrigation" and asymmetric monetary policy easing, significantly amplifying the effectiveness of fiscal funds and alleviating the current insufficient demand for real entity credit [2]. Group 3: Bank Responses - Major banks, such as Agricultural Bank and Construction Bank, have initiated various activities to support consumption and expand domestic demand, including promoting consumption upgrade programs and optimizing financial services [3][4]. - Agricultural Bank has developed a special action plan to support consumption upgrades and enhance financial service quality, while Construction Bank is actively participating in the distribution of national consumption subsidy funds [3][4]. - Banks are committed to simplifying application processes and ensuring that the subsidy policies are effectively transmitted to consumers and service industry entities [3][4].