支持提振和扩大消费，是金融服务实体经济的重要内容。信用卡是与人民群众日常生活联系最紧密的金 融产品之一，是金融连接C端客户和B端消费场景商户、服务实体经济的重要抓手。 党的二十届四中全会提出，坚持扩大内需这个战略基点，坚持惠民生和促消费、投资于物和投资于人紧 密结合，以新需求引领新供给，以新供给创造新需求，促进消费和投资、供给和需求良性互动，增强国 内大循环内生动力和可靠性。 在餐饮消费领域，建行信用卡以丰富的"'享趣'吃"活动普适各类客群的餐饮消费需求，既有山姆超市的 爆款食物，美味又价优，也有喜茶、霸王茶姬等网红茶饮，热门又划算，还有热气腾腾的"火锅节"，温 暖又实惠……这些遍布在全国各地、大街小巷的建行信用卡美食活动，让城市"烟火气"与消费活力同频 共振。 在购物消费领域，建行信用卡推出广泛覆盖线上线下的"'享趣'购"系列优惠活动。线上联动淘宝、天 猫、支付宝、抖音、拼多多、唯品会、中免日上等头部平台，全年不间断开展支付立减、积分加赠、分 期满减等多样化活动，并在"66节""狂欢11.11"等热门消费节点加码推出更多优惠。仅2025年"66节"期 建设银行信用卡始终坚持以人民为中心，全力服务支持实体经济 ...

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].