科技如何为消费品破局开辟新路径？极致性价比时代降本保优怎么解？平台流量越来越贵，如何破局出 圈？极致性价比时代，降本保优怎么解？千品一面多巴胺，科技感怎么溢价？……这些消费企业发展中遇 见的难题，在2025数字经济新消费创享会上被给出了"最优解"。 创享会现场。 6月26日，2025数字经济新消费创享会在重庆两江新区举行，作为"2025重庆6·18电商节"的重点主题活动之 一，本次创享会以"数商赋能 趣享消费"为主题，聚焦重庆消费品产业与数字经济的深度融合，通过消费投 资新趋势分享、数智消费尖端产品路演、前沿科技消费品沉浸式体验，开展现场资源对接，促进行业交 流，推动资本与项目深度碰撞，助力重庆消费品破圈升级。 科技赋能 助力突围消费红海 重庆蚂蚁消费金融有限公司监事长周昌昊作分享。 在创享会"头部说风向"环节，国内头部金融机构蚂蚁消金、现象级消费品牌美力城分享了当下新消费趋 势。重庆蚂蚁消费金融有限公司监事长周昌昊表示，来自花呗分期的数据显示，"6·18"期间，用分期免息 消费的人数同比增长19%，不愿多花一分冤枉钱、追求资金效率最大化的"精算型消费"已成趋势。花呗尝 试通过提交职业类证书、学习技能类证书、 ...

今年"618"期间，电商旗下借贷平台、银行、消费金融公司等多类金融机构围绕"购物节"场景开启了促 销活动，从促销手段看，多采取支付满减、分期免息、积分翻倍、消费返现等方式。 电商平台旗下的分期消费金融产品成为拉动消费的"主力"。例如，淘宝天猫平台针对数万款热销商品， 为消费者提供了蚂蚁花呗分期12期免息；京东白条开启全民免息升级活动，每人每天均可享6期免息； 在以旧换新场景中，消费者除领取平台补贴，还可叠加享受国补和至高24期分期免息。 此外，银行纷纷采取随机立减、支付满减、分期免息等多种方式参与"618"大促。例如，建设银行推出 信用卡分期优惠活动，活动期间，消费者使用62开头龙卡信用卡银联单标卡在最新版淘宝、天猫App分 期购物时，全品类商品有机会享受实付满500元减25元或满1500元减75元等优惠，还有机会享受最高24 期0分期利息。 一年一度的"618"电商大促活动正如火如荼地进行。相比往年，今年"618"活动有一些新的变化，立减、 国补、消费券、分期免息成为关键词。与往年金融机构通过叠加红包补贴等手段进行促销不同，今 年"618"期间，国补满减、多期数分期免息等促销方式正扮演重要角色。 金融机构积 ...

Core Viewpoint - The "618" shopping festival this year features significant changes, with installment interest-free options becoming popular among consumers, particularly the younger demographic, as a means to stimulate consumption in the context of economic recovery [2][3][4]. Group 1: Consumer Behavior - Consumers are increasingly inclined to purchase high-value, practical goods while feeling pressure from large expenditures, leading to a preference for installment payment options to ease financial burdens [2][3]. - A survey indicates that 85% of consumers would choose interest-free installments even when they can afford to pay in full, highlighting a shift in payment preferences [5]. - Younger consumers view installment payments as a way to maintain cash flow and financial security, rather than a sign of financial distress [6][7]. Group 2: Financial Institutions' Strategies - Financial institutions are leveraging interest-free installment plans as a tool to enhance customer loyalty and engagement, which can lead to increased usage of credit cards and other financial products [8][9]. - Banks are adopting a comprehensive approach to offering interest-free services, balancing the potential loss of interest income with the benefits of attracting more customers and increasing transaction volumes [8][9]. - Risk assessment is a critical component for banks when offering installment plans, ensuring that they maintain asset quality and profitability while providing these services [9]. Group 3: Promotional Activities - Various financial service providers, such as Haier and Ping An, are launching promotional campaigns during the "618" festival, offering interest-free periods and discounts to encourage consumer spending [3][4]. - Credit card companies are also implementing interest-free installment options and incentives to boost consumer spending during the promotional period [4][5]. Group 4: Market Impact - The introduction of interest-free installment options is expected to significantly boost sales across various sectors, including electronics and home appliances, as evidenced by a 70% increase in interest-free installment orders on major e-commerce platforms compared to the previous year [5]. - The competitive landscape among financial institutions is intensifying as they seek to capture a larger share of the consumer finance market through innovative payment solutions [8].

调研还揭示了消费者选择分期免息的不同动机。超过半数的消费者选择分期免息是为了减少短期资金占 用，而有超过14%的消费者则是出于"免费的便宜不能错过"的心理。同时，也有30%的消费者因为工资 未发、资金在理财中等原因，选择分期免息来减轻短期资金压力。多数消费者认为，分期免息不仅能让 他们的资金得到更有效的利用，还能产生额外的收益。 随着"618"年中大促活动的深入，一项关于分期消费习惯的新调研揭示了消费者的新偏好。新浪金融研 究院的调查显示，那些既懂得赚钱又善于精打细算的消费者，更倾向于采用分期免息的方式进行购物， 即便他们完全有能力一次性支付全款。数据显示，高达85%的消费者在遇到支持分期免息的商品时，会 优先选择这种付款方式。 今年的"618"大促自5月13日启动以来，已经过半，期间出现了不少新的变化。立减优惠、国家补贴、消 费券以及分期免息成为了今年活动的关键词。分期免息作为一种受到商家和消费者双方欢迎的营销工 具，正在大促活动中占据越来越重要的位置。新浪金融研究院对超过2000名消费者的调研结果进一步证 实了这一点，即在有能力全款支付的情况下，85%的消费者仍会优先选择分期免息的方式。 商家也在积极适应 ...