"零利率""厂家贴息""贷款返现一万元"……这些曾在各大汽车品牌4S店显著位置张贴的车贷宣传语，近 几个月以来正陆续被工作人员悄然撤下。 对此，为购车最近前往多家4S店的北京市民李峰深有感触："4月看车的时候，4S店的销售顾问还极力 向我推荐贷款，承诺贴息后利率只要2.99%，额外还能返3000元现金。前几天再去店里看车，销售顾问 要么说贷款活动已停止，要么说利率涨到了4.5%以上，对于返现的问题更是提都没提。" 今年1月，国家金融监督管理总局重庆监管局率先发布通知，要求相关金融机构推进汽车贷款业务"高息 高返"整改；6月以来，包括四川、河南、福建等在内的多地银行业协会相继发布汽车消费金融业务自律 公约，剑指车市"高息高返"乱象。曾凭借"高息高返"策略抢占市场的汽车分期模式，正因银行的盈利困 境与车市的竞争加剧，逐步退出舞台成为历史。 "贷款买车更便宜"将落幕 "现在贷款买车还有优惠，但活动应该也持续不了太久，可能七八月就停止了。"6月底，记者走访了位 于北京市朝阳区的奥吉通林肯中心，销售顾问胡华表示，目前林肯旗下航海家、冒险家等车型均有优 惠，贷款购买比全款购车要再便宜2-4万元。 胡华透露，曾经与4S店合 ...

Core Viewpoint - The financial sector aims to boost consumption by focusing on serving the real economy and improving people's livelihoods, integrating consumption promotion with benefits for the public [1][2]. Group 1: Financial Support for Consumption - A comprehensive "roadmap" has been issued by the People's Bank of China and six other departments, proposing 19 key measures to enhance the foundational role of consumption in economic development [1]. - The roadmap targets both consumer demand and supply, supporting the provision of high-quality and affordable financial products and services for consumers, while also increasing financial supply through credit, bonds, and equity for businesses in the consumption sector [1][2]. Group 2: Enhancing Consumer Experience and Capacity - The policy aims to optimize consumer experience and enhance consumption capacity by conducting promotional activities, improving payment services, and strengthening consumer rights protection [2]. - Financial services accessibility has improved, and there is a focus on expanding coverage to key groups such as new citizens, offering tailored products and services to meet their financial needs during urban settlement and entrepreneurship [2]. Group 3: Balancing Growth and Risk - While lowering barriers to consumption through financial products and services, it is crucial to maintain a safety net for livelihoods, ensuring that financial institutions balance growth with risk management [3]. - The financial sector is encouraged to inject stronger momentum into consumption by adhering to the principle of serving the real economy and focusing on the aspirations and confidence of consumers [3].

Core Viewpoint - The recent regulatory measures in Henan province aim to standardize auto consumer finance practices, capping the actual customer interest rate at no more than double the current one-year Loan Prime Rate (LPR), effectively limiting it to a maximum annual rate of 6% [1][2] Group 1: Regulatory Changes - Multiple banks in Henan, including Everbright Bank and Agricultural Commercial Bank of Henan, have announced measures to control financing costs for car buyers, addressing high commission issues [1] - The new regulations prohibit auto dealers from coercing customers into high-commission financial products and aim to stabilize the auto consumer finance market in Henan [1] Group 2: Market Dynamics - The previous high-interest, high-rebate model, which involved banks offering substantial commissions to auto dealers to boost market share, is being phased out due to regulatory pressures [2] - Banks are facing reduced profit margins as many customers are repaying loans early, leading to diminished interest income and increased operational costs [2][3] Group 3: Shift in Competitive Strategy - The industry is transitioning from a price war to value competition, with banks needing to enhance product design and service experience to maintain market competitiveness [3] - Some banks, like Ping An Bank, are adapting their auto finance strategies by focusing on electric vehicle loans and improving online loan processes to meet customer needs [3]

近段时间以来，多个城市将目光聚焦消费，计划出台提振消费的专项行动实施方案。 记者从广州市商务局网站了解到，《广州市提振消费专项行动实施方案（征求意见稿）》（简称《实施方案》）公开 征求意见，围绕居民就业增收促进行动、消费能力保障支持行动、服务消费提质惠民行动、大宗消费更新升级行动、 限制措施清理优化行动等多个方面，提出33项具体行动举措，旨在全方位激活消费市场。 来看《实施方案》重点内容： 1.拓展财产性收入渠道。组织国有企业开展国资收益申报上缴工作，加强国有上市公司市值管理。推动证券机构发展 柜台债券业务，支持个人投资者投资交易所市场政府债券。 2.严格执行最低工资保障制度，调整落实最低工资标准为2500元/月。完善劳动者工资正常增长机制、按照国家、省部 署要求，常态化推进清理拖欠中小企业账款工作。 5.落实240小时过境免签政策，提升通关便利化服务保障水平。推动离境退税商店"扩围拓品"，推广离境退税"即买即 退"服务，扩大外卡POS机覆盖率，提升入境旅客购物体验。推动市内免税店尽快开业，争取开设更多口岸免税店。 6.用好消费品以旧换新资金，结合产业和居民消费实际增加补贴品类，开展"五进"团购活动，持续带动 ...

近段时间以来，多个城市将目光聚焦消费，计划出台提振消费的专项行动实施方案。 记者从广州市商务局网站了解到，《广州市提振消费专项行动实施方案（征求意见稿）》（简称《实施方案》）公开征求意 见，围绕居民就业增收促进行动、消费能力保障支持行动、服务消费提质惠民行动、大宗消费更新升级行动、限制措施清理 优化行动等多个方面，提出33项具体行动举措，旨在全方位激活消费市场。 来看《实施方案》重点内容： 1.拓展财产性收入渠道。组织国有企业开展国资收益申报上缴工作，加强国有上市公司市值管理。推动证券机构发展柜台债券 业务，支持个人投资者投资交易所市场政府债券。 2.严格执行最低工资保障制度，调整落实最低工资标准为2500元/月。完善劳动者工资正常增长机制、按照国家、省部署要 求，常态化推进清理拖欠中小企业账款工作。 3.落实国家育儿补贴政策，加大对符合条件家庭的生育支持力度。 4.全力抓好十五运会和残特奥会广州赛区筹办工作，高水平办好世界田联接力赛、广州马拉松赛等重大赛事，加快推进香港马 会从化马场建设和运营，推动冰雪运动和赛马运动消费发展。 8.发展直播电商、即时零售、社区团购，打造线上线下融合的新消费场景。推动邮轮旅游 ...

Core Viewpoint - Recent self-regulatory agreements from banking associations in regions like Sichuan and Henan highlight issues in the automotive consumer finance sector, including high commission practices and non-compliant sales behaviors, aiming to protect consumer rights and promote quality development in the industry [1][2][3] Summary by Relevant Sections Self-Regulatory Agreements - Banking associations have issued self-regulatory agreements to address non-compliant sales behaviors in automotive finance, such as high commissions and inducements for early loan repayments [1][2] - The Sichuan Banking Association's agreement emphasizes optimizing cooperation with car dealers, lowering actual interest rates, and adhering to self-regulatory requirements [2] - The Kaifeng Banking Association's agreement includes a commitment to eliminate high-commission product promotions and misleading consumer intentions [2] Industry Issues - Experts identify several competitive issues in automotive consumer finance, including false advertising, hidden costs, excessive commissions, and compliance risks [3] - Banks are urged to strengthen risk control measures and comply with self-regulatory agreements to mitigate these issues [3] Market Growth Trends - The release of self-regulatory agreements reflects a growth trend in automotive consumer finance, with significant increases in auto loan and credit card installment volumes reported by major banks [4] - For instance, as of the end of 2024, the auto installment balance of China Merchants Bank increased by 67.416 billion yuan, a growth of 240.10% [4] - Ping An Bank reported a 73.3% year-on-year increase in new energy vehicle loans, highlighting the sector's expansion [4] Strategic Recommendations - To thrive in the competitive automotive finance landscape, banks should transition from traditional lenders to integrated service providers within the automotive ecosystem [5][6] - Collaboration with automotive manufacturers, dealers, and digital platforms is essential, alongside the development of innovative financial products like green loans [5][6] - Emphasizing transparency, consumer education, and robust risk management practices will enhance customer experience and reduce disputes [6]

广东省人民政府办公厅印发《广东省提振消费专项行动实施方案》提出，强化信贷支持。鼓励金融机构 在风险可控前提下，加大个人消费贷款投放力度，对信用良好、有大额或长期消费需求的客户，适当提 高贷款额度，延长贷款期限，合理设置贷款利率。支持金融机构按市场化法治化原则，优化个人消费贷 款偿还方式，有序开展续贷工作，鼓励商业银行信用卡按照实际透支余额计息，优化商业银行信用卡容 时、容差服务，对额度较小、逾期时间较短的持卡人及时提示还款，不立即计入不良征信记录。鼓励银 行业金融机构创新适合电商等新消费模式以及健康、教育、数字等服务消费需求的消费金融产品。鼓励 金融机构在风险可控前提下，加大对住宿、餐饮等消费领域小微企业的信贷支持力度。 ...

本报记者 慈玉鹏 北京报道 近日，中信银行表示，对手机闪付的非免密单笔交易限额进行调整，单卡单笔交易限额由2万元人民币 调整为5万元人民币。《中国经营报》记者注意到，从去年下半年起，多家银行已陆续提高快捷支付限 额。 记者采访了解到，银行提高快捷支付限额上调，主要目的是配合国家促消费政策、提升产品竞争力。从 另一个角度看，此前银行限制支付额度主要从风控角度出发，近年来基于数字技术快速推进，银行的风 控能力也相应提升，故而支付限额也在不断提升。 调高支付限额 中信银行信用卡中心发布手机闪付单笔交易限额调整公告，表示为提升支付体验，自2025年6月21日 起，对手机闪付（包括Apple Pay、Huawei Pay、Samsung Pay、Mi Pay、HCE及可穿戴设备等）的非免 密单笔交易限额进行调整，单卡单笔交易限额由2万元人民币调整为5万元人民币。单卡日累计交易限额 为5万元人民币。 中信银行方面告诉记者："中央经济工作会议和今年的《政府工作报告》都把大力提振消费、全方位扩 大需求作为今年经济工作之首。中信银行信用卡持续深耕民生消费场景，基于不同场景生态推出差异化 产品和服务，提升用户体验。近日，中信银行 ...

金融监管总局印发通知，要求金融机构发展消费金融，助力提振消费。 国家金融监督管理总局有关司局负责人表示，增加消费金融供给。金融机构要围绕扩大商品消费、发展服务 消费和培育新型消费，丰富完善金融产品和服务。针对数字、绿色、智能等新型消费场景，量身定制金融产 品，更好满足个性化、多样化金融需求，不断强化数字赋能，增强消费金融服务的适配性和便利度。加大对 批发零售、住宿餐饮、文化旅游、教育培训、健康养老等消费服务行业的信贷投放，支持消费供给主体健康 发展。 国家金融监督管理总局有关司局负责人 就 发展消费金融助力提振消费工作答记者问 金融监管总局印发通知，要求金融机构发展消费金融，助力提振消费。有关司局负责人就相关通知内容回答 了记者提问。 一、通知出台的背景是什么？ 为深入贯彻落实中央经济工作会议精神，落实党中央、国务院关于提振消费专项行动的工作要求，金融监管 总局印发通知，要求金融机构发展消费金融，助力提振消费，更好满足消费领域金融需求，切实增强人民群 众的获得感和满意度。 二、金融支持提振消费的总体考虑是什么？ 金融监管总局从丰富金融产品、便利金融服务、营造良好消费环境出发，提出优化消费金融政策的具体举 措。 ...