Changsha Evening News, Changsha, March 7 According to the Financial Associated Press, expanding domestic demand has become one of the key tasks of this year's work report. Premier Li Qiang proposed in his work report today that it is necessary to promote the steady growth of consumption. Stabilize and expand traditional consumption, encourage and promote the trade-in of consumer goods, and boost bulk consumption such as intelligent networked new energy vehicles and electronic products.
The release of consumption potential will provide a lasting impetus for economic growth. Relevant policies will strongly promote investment and consumption, and boost demand and confidence. Many analysts are optimistic about the recovery of demand for consumer goods during the year, especially for bulk durable goods such as automobiles and home appliances. Wang Qing of the Research and Development Department of Oriental Jincheng pointed out that this year's consumption promotion policy has been launched in key areas in advance, which is conducive to boosting consumer demand and promoting the macroeconomic recovery in the first half of the year. In addition, at present, bulk consumer durables such as automobiles and home appliances are at a critical stage of green transformation. Focus on encouraging the large-scale trade-in of these commodities, which can make the above-mentioned consumer goods enter people's lives faster.
The industry believes that for the consumer credit business of banks and consumer finance companies, the "to promote the steady growth of consumption" in the work report will be a shot in the arm. The reporter of the Financial Associated Press learned from a number of commercial banks and consumer finance companies that some banks have landed new energy vehicles to support related work. At present, many parties are still optimizing the supply of consumer financial products and services, and will upgrade consumer credit products in the future to better serve consumers' financial needs.
Some banks have implemented trade-ins and new energy vehicle purchases, and the support has been further expanded during the year.
The reporter of the Financial Associated Press learned from the industry that many banks, including Ping An Bank, China Merchants Bank and Industrial Bank, have landed "trade-in" to support the purchase of new energy vehicles and 3C products.
Since June last year, Ping An Bank's Auto Consumer Finance Center has launched a trade-in policy. These policies will also cover the whole of this year. The relevant person in charge of Ping An Bank told the Financial Associated Press reporter that at present, for the auto finance loan customers who are about to settle the new car loan or have the intention to replace the new car, the new car account manager will issue a new car loan interest deduction coupon through ** outbound call or enterprise WeChat directional contact to the customer, which can deduct the interest generated by the new car loan handled by the customer to replace the vehicle.
In addition, if a customer successfully recommends a friend to apply for a new car loan, he or she can receive a RMB 1,500 new car loan interest deduction coupon, which can be used to deduct the interest generated by the new car loan when the customer replaces the vehicle. The above-mentioned person added.
In terms of products, China Merchants Bank Credit Card has launched the 'e-second car purchase' green financial product, creating a complete process from application to loan and pick-up with zero data** application and 1 hour at the earliest, significantly improving the installment application experience for new energy vehicles. The relevant person in charge of China Merchants Bank credit card told the Financial Associated Press reporter that China Merchants Bank credit card further developed the "old car replacement area", on the one hand, it supports customers to value old cars, and makes one-click appointments with stores to provide replacement-related services; On the other hand, we cooperate with manufacturers and dealer groups to provide replacement rights and interests to help customers exchange for new products.
The above-mentioned China Merchants Bank credit card center person revealed: "At present, more than half of the total car loans issued by China Merchants Bank credit cards every year are used to support residents to purchase new energy vehicles. β
According to the observation of the reporter of the Financial Associated Press, the preferential threshold of commercial banks for new energy vehicles is still further reduced. Previously, some joint-stock bank credit cards launched activities, and consumers can only enjoy preferential interest rates when they buy a certain amount of new energy family cars. In the near future, there is no limit on the amount of money, and you can also enjoy the preferential interest rate.
Promoting consumption is still the focus of banks and consumer finance companies in the near future.
In terms of promoting consumption, commercial banks and consumer finance companies have always been the main force. During the Spring Festival, banks seized the peak consumption season and launched a series of marketing activities, such as joint platforms and merchants to launch activities such as instant card discounts, full consumption reductions or discounts, and credit card points doubling, covering various online and offline life scenarios such as travel, shopping, and entertainment. At present, credit cards and consumer finance continue to promote activities that gather daily consumption.
Judging from the feedback from many banks and consumer finance companies in the industry, the work of promoting consumption is still advancing. For example, Ping An Bank Credit Card has strengthened business cooperation with key business districts and leading brand business districts across the country, and launched the activity of visiting business districts every day 88. Specific measures include consumption coupon collection, discounts in designated business districts, exclusive discounts every Wednesday, and exclusive activities for specially invited customers.
In terms of promoting the consumption of electronic products, China Merchants Bank Credit Card also provides consumers with interest-free installment discounts for some products. Consumers can enjoy up to 24 installments of zero-interest rate purchases when using CMB credit cards to purchase Apple products in installments through designated channels such as Apple's official website or Apple Store, and more than one million customers purchase iPhones in interest-free installments through CMB credit cards every year.
Some consumer finance companies have also targeted the consumer finance needs of new citizens and launched targeted services and products to effectively make up for the gap in financial services, effectively release consumption potential and promote consumption upgrading. For example, Jin Meixin Consumer Finance has set up a "New Citizen Zone" service channel in its "Jinzhihua APP", and launched an exclusive product for new citizens, "Quick Loan 2".0βγAt present, the product is also displayed in the "New Citizen Zone" of Xiamen Information Group's WeChat *** Egret Branch" platform.
In an interview with the Financial Associated Press, Sun Lei, deputy general manager of consumer finance, said, "We will closely focus on the national policy guidance, continuously improve our capabilities, provide consumers with better and more convenient services, and actively fulfill our social responsibilities to contribute to the healthy and sustainable development of the industry." In response to the report's proposal of 'promoting stable growth of consumption', this has played a positive role in helping financial institutions find the right point of force, increase the supply of consumer financial products, and expand domestic demand and promote consumption. β
At present, the new citizen users of consumer finance cover more than 30 provinces and municipalities across the country, connect more than 200 consumption scenarios online, and establish credit records for about 9 million credit "white households".