Group 1 - The core viewpoint of the articles emphasizes the transformation of consumer behavior in China, shifting from demand-driven to supply-driven innovation, highlighting the importance of emotional consumption in driving market growth [3][4][11] - The latest data indicates that China's total retail sales of consumer goods reached 36.59 trillion yuan in the first three quarters of this year, with a year-on-year growth of 4.5%, and the annual total is expected to exceed 50 trillion yuan [2][3] - The concept of "emotional consumption" is emerging as a significant trend, with younger generations (post-90s and post-00s) leading this shift towards experiences that provide emotional satisfaction [5][6][11] Group 2 - China Construction Bank (CCB) is actively participating in the "expanding domestic demand and promoting consumption" initiative by providing tailored financial services to stimulate consumption growth [4][10][11] - CCB has introduced various financial products, such as "homestay loans" and "agricultural commercial loans," to support local businesses and enhance their operational capabilities [10][11] - The bank's innovative approach includes the "Financial Deputy Village Head" mechanism, which connects villagers with financial services, demonstrating a commitment to community development [10][11] Group 3 - The "Su Xin Consumption" platform in Jiangsu province exemplifies CCB's efforts to facilitate consumer access to subsidies and streamline the purchasing process, enhancing the overall consumer experience [12][14][15] - By integrating multiple payment methods and subsidy channels, the platform has significantly improved user convenience and engagement, leading to increased consumer spending [14][15] - CCB's initiatives have resulted in substantial economic impacts, with Jiangsu province's retail sales reaching 34,788.3 billion yuan in the first three quarters, reflecting a year-on-year growth of 4.2% [16][18] Group 4 - CCB's focus on creating a sustainable value ecosystem through its platforms allows for better engagement with diverse consumer needs, positioning the bank as a key player in the financial landscape [18][23] - The bank's commitment to enhancing consumer experiences and supporting local businesses has led to significant growth in personal consumption loans, with a balance of 6,527 billion yuan and an increase of nearly 1,250 billion yuan this year [22][24] - The collaborative model involving government, banks, and businesses has effectively activated consumer spending, demonstrating the multiplier effect of policy initiatives [16][23]