Support automobile consumption in many ways.
In vigorously promoting the recovery of consumption, the Action Plan emphasizes the importance of automobile consumption and proposes to vigorously promote automobile consumption. The main measures include: 40,000 new non-operating passenger car license plates were added during the year, and the purchase tax of some passenger cars was reduced or exempted in stages according to the requirements of national policies; Before February 3, 65438+2023 1, individual consumers who scrap or transfer passenger cars registered in Shanghai and meet the relevant standards and buy pure electric vehicles will be given a financial subsidy of1000 yuan each.
On the one hand, it promotes residents' automobile consumption through various means such as preferential interest rates. It is reported that credit card centers actively integrate resources and business channels, increase resource input, and help automobile consumption. For example, the Credit Card Center of the Agricultural Bank of China launched the seventh "Hundred Cities and Thousand Stores Agricultural Bank Car Festival". With the theme of "Borrowing Your Wisdom to Travel", the joint manufacturers and distributors launched preferential measures to give 1000 ~ 2000 yuan credit card mall coupons to customers of specific models in stages.
The Credit Card Center of China Construction Bank formulates the downward standard of automobile installment interest rate according to local conditions, and the downward range is up to 25% of the basic pricing of automobile installment interest rate in the center. In addition, China Construction Bank Credit Card Center and Shanghai Pudong Development Bank Credit Card Center have steadily promoted the second-hand car installment business, enriching the automobile installment business structure and meeting the automobile consumption needs of more types of customers.
In addition, CCB Credit Card Center has also carried out phased business cooperation with 74 new energy automobile brands, involving more than 300 models, serving more than 80,000 customers and investing 3.6 billion yuan in new energy automobile credit.
At the same time, financial institutions actively serve cars to the countryside. The Credit Card Center of Agricultural Bank of China and the Credit Card Center of China Construction Bank focus on the financial promotion of automobile consumption credit, and increase the promotion efforts around sinking markets such as counties. Among them, the Credit Card Center of China Construction Bank incorporated non-operating vehicles such as Wuling Hong Guang and Dongfeng Xiaokang into the auto finance business, which effectively met the demand of people in towns and counties for car purchase. By the end of April, 2023, more than 65,438+00,000 customers had been supported to purchase cars by credit cards, and the installment transaction amount was nearly 6,543,800 billion yuan.
Reduce fees and reduce the burden on merchants.
China Merchants Bank Credit Card Center, in conjunction with a number of digital brands, increased the coverage and publicity of online publicity channels to help merchants sell products during the epidemic. At the same time, it will not charge any transaction fees to the cooperative merchants in the consumer industries such as catering, movies and retail convenience.
In addition to credit card institutions, other financial institutions also have many measures to reduce fees and make profits. For example, China UnionPay United Commercial Bank has implemented bank card credit card fee concessions and UnionPay fee reduction measures for inter-bank transfer transactions of small and micro enterprise cards and unit settlement cards, and relevant measures will continue until 2024.
Ping An Bank Shanghai Branch further expanded the scope of fee reduction and profit-making, including exempting small and micro enterprises and individual industrial and commercial households from handling banking license business fees, canceling credit fund management fees such as prepayment penalty for small and micro enterprises in inclusive finance business, deleting relevant system clauses for purchasing property insurance products, taking the initiative to bear compulsory notarization fees, and prohibiting illegal acts such as deposit-loan linkage and tying insurance.
In promoting consumption, the action plan also mentions optimizing the "shopping festival" plan and launching a theme shopping festival in due course.
The Credit Card Center of Shanghai Pudong Development Bank launched the "Pudong West Half 66 Consumer Festival", and launched business activities, bus parking and other travel activities, car purchase and movie viewing activities. Among them, for the Shanghai area, in the middle and late June, we will launch a large-scale promotion campaign of WeChat payment to 200 yuan and 66 yuan in conjunction with consumer landmarks such as Raffles on the North Bund, Shanghai Ruihong Tiandi and Jing Yao Qiantan.
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