Core Viewpoint - The central economic work conference has prioritized "boosting consumption, improving investment efficiency, and expanding domestic demand" as the key task for economic work in 2025, with Huishang Bank actively responding to this strategy through a unique consumption finance empowerment system [2] Group 1: Digital Transformation and Consumer Experience - Huishang Bank is leveraging digital and intelligent technologies to enhance customer experience, exemplified by a case where a customer received an 180,000 yuan renovation loan alongside a mortgage, showcasing the bank's efficient service model [3] - The bank has established a fully integrated intelligent financial service system, optimizing processes and improving approval efficiency through deep integration of business, technology, and data [3][4] - As of June 2025, Huishang Bank's personal consumption loan scale exceeded 238.3 billion yuan, with a year-to-date increase of 19.658 billion yuan, serving 3 million customers [4] Group 2: Innovation in Consumer Finance - Huishang Bank is adapting to changing consumer preferences towards quality and experiential consumption by building a multi-layered, comprehensive consumption finance service system [5] - The bank has launched a series of innovative products tailored to consumer behavior, including Huibank e-loan, consumption e-loan, and renovation e-loan, among others, to support consumption upgrades [5] - The bank is creating a comprehensive ecosystem by integrating consumption, scenarios, payment, and credit services, collaborating with major brands and platforms to enhance service offerings [5] Group 3: Green and Elderly Finance Initiatives - Huishang Bank is promoting green finance by lowering thresholds and optimizing services for green consumption, including support for electric vehicle financing with zero down payment options [6] - The bank is focusing on elderly finance by providing tailored services and products for the aging population, including dedicated debit cards and wealth management products [6] Group 4: Commitment to Supporting Businesses and Consumers - Huishang Bank is implementing a "zero additional fee" policy for individual businesses, ensuring no extra charges beyond loan interest, and offering discounts on transaction fees [7] - The bank has initiated a "Winter Sunshine" program to provide personalized solutions for clients facing short-term income declines, helping over 2,000 customers alleviate financial difficulties [7] - The bank aims to deepen its "finance for the people" philosophy by developing green and elderly consumption financial products and enhancing its service network [7]