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4月13日至18日,第五届中国国际消费品博览会(以下简称“消博会”)在海南举行。今年政府工作报告再次提到消博会,彰显其在推动开放合作、消费升级中的重要地位。

作为唯一连续五年全球战略合作伙伴,中国银行依托全球化优势和综合化特色,助力扩消费与办展会双向赋能,为推动消费持续扩大、满足人民美好生活需要提供有力支撑,也为全球企业共享中国市场、中国企业走向世界舞台注入强劲动能。

紧抓“买全球”“卖全球”机遇

作为服务高水平对外开放的“金融国家队”和自贸港金融改革“排头兵”,中国银行扎根海南逾110年,始终坚持为中外参展商提供金融支持、做好金融服务,助力海南“朋友圈”不断扩大。

本届消博会吸引了来自71个国家和地区超过4000个品牌参展。中国银行依托遍布境外64个国家和地区的分支机构,为消博会中外客展商定制专属金融服务方案,搭建“一点接入、全球响应”服务矩阵。根据《中国银行支持外贸稳定增长行动方案》,提供政策咨询、外汇登记、企业开户、汇兑保值、全球现金管理等一揽子金融服务,为促进外贸稳定增长、助力贸易强国建设贡献更大力量。依托“中银e企赢”平台,为企业提供撮合服务、供需对接、招商支持等配套金融服务,助力更多企业共享海南自贸港投资新机遇。

首发首秀打造消费新体验

每年消博会上,新产品和新技术的首发首秀总是格外吸睛,持续引领消费风尚、营造消费热点、促进消费升级。作为消博会“最资深”的合作伙伴,中国银行每年如约带来新产品、新方案,为消博会注入源源不断的金融活水。

消博会的诞生与海南自贸港建设密不可分。本届消博会上,中国银行首发“中银海南自贸港主题信用卡”,这是海南首张自贸港人才专属信用卡,也是中国银行首度创新整合政企资源,赋能消费升级和跨境便利化支付的生动实践。该卡片为自贸港建设者量身定制,集“基础金融+专属权益”于一体,具有政保创新融合、免税消费直享、商旅服务升级、高频场景适配等四大创新优势,致力于带动免税购物、文娱旅游、体育健康等消费场景融合创新发展。

此外,为提升外籍来华人员支付便利化水平,中国银行联合三亚市旅文局等部门推出“SANYAPASS数字人民币硬钱包”,涵盖餐饮、景点、酒店、交通等多重权益,打造智能、个性的三亚旅行新体验,助力海南成为我国消费潜力释放的重要承接地。

有力激发消费场景新活力

中国银行始终坚持贯彻落实党中央关于“惠民生、扩内需、促消费”的决策部署,积极推出优化支持服务住房消费需求、居民消费升级、汽车消费需求等金融服务十条措施,计划2025年支持相关贷款投放200亿元,通过创新消费贷款产品,匹配多元化、高质量金融服务,有力推动消费市场“热起来”。

比如,聚焦居民家居家装、家电数码消费等需求,推出“中银焕新消费贷”,提供最长5年期、贷款年利率低至3%的消费信用贷款,贷款额度高至50万。在本届消博会现场,游客张女士就通过相关产品申请贷款,仅用3分钟就获得了30万元的消费贷款额度。“这笔资金可以让我在消博会期间放心、轻松购,真是太方便了!”张女士欣喜地表示。

此外,中国银行连续三年在消博会设置消费帮扶展台,“咸阳马栏红”苹果、苹果脆片、荞麦饸饹面、普罗旺斯西红柿……这里展示的可不是普通土特产,而是中行在定点帮扶陕西咸阳“北四县”(咸阳永寿、长武、旬邑、淳化四县)20多年后,交出的一份“丰收答卷”。自2002年起,中国银行累计向咸阳“北四县”投入无偿帮扶资金近8亿元,开展帮扶项目直接受益群众超60万人。本次消费帮扶展台上,中国银行也请来了派驻的“第一书记”和本地助农达人在线直播卖货,以金融活水浇灌乡村振兴之花。

中国银行将继续秉承国有大行责任担当,创新产品种类、优化服务体系,助力加快海南国际旅游消费中心建设,推动全球品牌共享自贸港开放红利,为大力提振消费、推动高质量发展、扩大高水平对外开放注入澎湃动能。

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