news

during the national day, reporters visited kaifeng and found thatbank of china、zhongyuan bank, bianjing rural commercial bank, etc. have launched credit card promotions, including first-time gift, full discount, shopping allowance, etc., and othersshanghai pudong development bank、bank of jiangsuetc. have also lowered the annual interest rate of consumer loans to "2" and increased the loan limit to one million yuan, further stimulating tourism consumption and improving tourists' travel experience.

october 4,broadcomwang pengbo, a senior analyst in the consulting finance industry, told a china times reporter that credit cards and consumer loans are important ways for financial institutions to reach scenarios and serve users. the national day golden week is a good marketing opportunity. banks should continue to pay attention to changes in consumer behavior, flexibly adjust product strategies, ensure that innovative products can truly meet market demand, and achieve large-scale growth in consumer finance customers and business.

new payment experience and credit card fancy marketing

“be sure to go hungry for three days before arriving in kaifeng,” mr. li joked. as a suzhou native who visits kaifeng every year, he believes that the real food in kaifeng is hidden in small street shops. he said that he really likes to eat kaifeng's "four treasures", which are chickens with ducks, ducks with pigeons, and quails with pigeons. the taste is very rich. "due to the complicated production process of this dish, many restaurants no longer make it. it took me a long time to find this dish in a private restaurant," he said.

young people in a cafe next to longting park in kaifeng

the local young people in kaifeng have never tied themselves to one menu. rather than going to popular restaurants crowded with tourists, reporters found that many locals choose "reverse consumption" and prefer niche cafes and bars.

“i don’t want to go to crowded places with many tourists, so i have made an appointment with my classmates to have afternoon tea here for two consecutive days. opposite is longting park, which is also on the central axis of kaifeng. it is a quiet place amidst the hustle and bustle. the sunset is so pleasant," said xiao zhao, a girl from kaifeng.

during the national day, bob, a young man from france, was walking in kaifeng city. he said that his favorite food in kaifeng was soup-filled steamed dumplings. he said, "baby, i want to eat dumplings every day."

kaifeng soup dumplings

soup dumplings are a traditional snack in kaifeng. they are famous for their thin skin, tender fillings and rich soup. it is said that the production techniques can be traced back to the northern song dynasty.

food is a bridge connecting the past and the present, and a carrier of inheriting and spreading culture. bob shared that he is used to food travel, and while tasting delicious food, he also understands the story behind each dish.

in addition to delicious food, he also found the "touch" payment method of turning on his mobile phone novel.

"tap with alipay" can both pay and order food. with the phone unlocked, touch the ordering smart sticker on the table or the stand at the cashier to jump to the merchant's ordering applet and place an order. . since the launch of the "alipay touch" series of functions in july, it has now served more than 50 cities.

apart frommobile payment, traditional credit card payment is also a common consumption method for tourists. the reporter found out that during the national day, banks made full use of kaifeng's rich tourism resources to seize credit card marketing opportunities.

specifically, the official account of zhongyuan bank’s credit card showed on september 26, “where to go wild on national day? why not find a place you like to camp.” apply for the zhongyuan bank fashionable new power card, and new accounts will receive free camping equipment for the first purchase. if you meet the criteria, you can choose one of six popular attractions such as henan. new customers can receive a campervan, folding stool, incubator, and zhengkai travel annual pass (choose one of four) by binding unionpay, wechat, and alipay to their card within 45 days for any purchase.

bianjing rural commercial bank will launch national day instant discounts on october 1st! be extravagant and have a series of discounts from now until december 31st. specifically, if you bind the bianjing rural commercial bank debit card or social security card to wechat and refuel at designated gas stations of petrochina and sinopec and use the bianjing rural commercial bank bank card to pay, you can enjoy an instant discount of 10 yuan for purchases over 100 yuan; wechat bind the bianjing rural commercial bank savings card or social security card. you can enjoy an instant discount of 5 yuan when you spend 20 yuan at any merchant in the long live mountain scenic area and use the bianjing rural commercial bank bank card to pay. you can enjoy an instant discount of 5 yuan when spending at designated food merchants. if you use pay, you can enjoy an instant discount of 20 yuan for purchases over 100 yuan, and there are also activities such as instant discounts on takeaways.

bank of china micro banking henan branch launched the "national day excitement, receive up to 16.8 yuan shopping subsidy" campaign on september 25. from 10:00 on september 25 to 23:59:59 on october 8, 2024, mobile banking signings the institution is a user of any bank of china branch in henan province. if you invite friends to help, you can receive a shopping subsidy of up to 16.8 yuan. during the event, users can enter the event page and click the "receive now" button, and can choose to directly receive a shopping subsidy of 6.8 yuan, or choose to invite a friend to successfully assist and receive an inflated shopping subsidy of 16.8 yuan.

during the national day, people spend more on traveling, shopping, etc. many banks use credit card marketing to attract new customers, increase the frequency of credit card use and customer retention rates. at present, credit cards have entered a stage of intensive and high-quality development from the era of horse racing. against the backdrop of slowing growth in credit card issuance, banks have shifted their focus to scenario-based marketing.

credit card business has always been an important source of intermediate income for banks. how to achieve sustained growth in credit card business is an urgent problem that banks need to solve in the era of existing competition.

in this regard, wang pengbo said that on the one hand, banks should strengthen the development of personalized customized products and deeply understand the needs of different customer groups, such as launching credit cards with special rights and interests for young people, such as cooperating with popular fields such as games, music, and sports to provide related consumption discounts, points doubling, exclusive activities, etc. on the other hand, banks can increase the promotion of virtual credit cards to meet customers’ needs for quick card application and online consumption. in addition, establishing a good brand image and improving the visibility and reputation of bank credit cards are also key points.

consumer loan interest rates dropped to “2”

tourists line up to buy mahua in kaifeng bookstore street

during the national day, the consumer finance market showed an active trend, and banks and consumer finance companies launched various preferential activities.

xiao zhang, who traveled from shanxi to kaifeng, used it during the national daychina merchants bankflash loan. "i have two 3.15% flash loan interest rate coupons. this time i borrowed all the credit i could use, and it took about a second to get the money," xiao zhang said.

tourists collect stamps at a cultural and creative store

in addition, bank consumer loan interest rates have recently dropped below 3%. on september 27, shanghai pudong development bank zhengzhou branch launched the event "surprise of pudong flash loans, with an interest rate of 2.88% for a limited time!" during the activity period, customers who have passed the credit approval of pushan dai and completed the contract, and have activated the midas points and the score is greater than or equal to 13,000 points, can receive a one-year pushan dai coupon with an annualized rate of 2.88% starting from 9 a.m. every thursday one piece.

jiangsu bank's e-loan annual interest rate (simple interest) starts at 2.98%, with a maximum credit limit of 200,000 yuan, and kayidai's annual interest rate (simple interest) starts at 2.98%, with a maximum credit limit of 1 million yuan.

previously, some banks reduced consumer loans to "1", but the preferential period was short-lived and subject to conditions.

in addition to low interest rates, banks are also promoting consumption by increasing loan limits. likebank of communicationshuimin loan, the limit can reach 800,000 yuan.suzhou banksu xin’s loan limit is up to 500,000 yuan.

china everbright bankzhou maohua, an analyst at the financial markets department, told this reporter that domestic macroeconomic policies are on the positive side and the market interest rate center continues to move downwards. secondly, domestic consumer confidence and consumer loan demand are in the recovery stage. superimposed banks are actively promoting the development of consumer loan business, and competition within the industry is relatively fierce.

in addition, immediate spending anyihua launched a marketing campaign with the theme of "welcome the national day and pay tribute to perseverance", providing new citizen users with financial interest-free coupons and various life rights. anyihua also co-branded customized electric toothbrush gift boxes, sweatshirts, sports bottles, ice sleeves, sports towels, etc.

attracted by low interest rates, high credit limits, product gifts and other discounts, the loan scale has grown steadily. the people's bank of china released a financial statistics report for august 2024 on september 13, which showed that rmb loans increased by 14.43 trillion yuan in the first eight months.

editor-in-chief: meng junlian editor-in-chief: zhang zhiwei