Consumption is a powerful engine for high-quality economic development and a key support for smooth domestic economic circulation. To thoroughly implement the decisions and plans of the Fourth Plenary Session of the 20th CPC Central Committee regarding "benefiting people's livelihoods and promoting consumption," and to actively respond to the national special action to boost consumption and the requirements of financial regulatory policies, China Everbright Bank has continuously optimized its personal consumer credit service system. With a customer-centric approach and technology-driven strategy, it has comprehensively improved the quality and efficiency of financial services, effectively stimulating residents' consumption potential. As of the end of November 2025, China Everbright Bank's personal consumer credit disbursement this year has exceeded 800 billion yuan, precisely supporting the recovery and warming of the consumer market.
In promoting consumer credit lending, China Everbright Bank has strengthened the combination of top-level design and grassroots implementation, building an efficient collaborative mechanism between its headquarters and branches. Focusing on national policies to promote consumption and provide interest subsidies, the bank has accelerated product iteration, optimized systems and processes, and strengthened marketing and promotion to ensure that credit resources are precisely targeted to areas related to people's livelihoods, thus helping to continuously improve residents' consumption capacity.
To enhance service efficiency and experience, China Everbright Bank is pushing its credit services towards greater intelligence and online platforms. Leveraging big data risk control and intelligent approval systems, the bank has re-engineered processes for products such as the "White-Collar E-Loan," enabling rapid online approval and timely disbursement to efficiently meet consumption needs across multiple scenarios, including home improvement, education, and healthcare. Proactively adapting to the trend of upgrading consumer spending, the bank has increased the upper limit of personal consumer loans, raising the limit for self-payment loans from 300,000 yuan to 500,000 yuan and the upper limit for internet consumer loans from 200,000 yuan to 300,000 yuan. Furthermore, the bank has extended the term of long-term consumer loans from 5 years to 7 years, further enhancing product flexibility and market competitiveness.
China Everbright Bank is also actively expanding consumption scenarios, embedding financial services into large-scale consumption segments such as home renovation. Customers with funding needs can apply for exclusive loans through China Everbright Bank's mobile banking app or WeChat mini-program, enjoying a one-stop "consumption + credit" service. This achieves deep integration of finance and consumption scenarios, effectively stimulating residents' willingness to consume. Mr. Chen from Guangxi recently purchased a new house but faced the problem of insufficient funds for renovation. After understanding his situation, a customer manager from China Everbright Bank immediately recommended the "Lightning Loan" product. Mr. Chen submitted an application through the mobile banking app and quickly obtained a credit line of 500,000 yuan, successfully starting his renovation plan. "The process is simple, the loan is fast, and I can repay at any time. It truly solved my funding needs!" Mr. Chen's feedback vividly reflects China Everbright Bank's commitment to the "finance for the people" concept, its efforts to boost consumption, and its improvement of customer experience.
A representative from China Everbright Bank stated that the bank will continue to implement the spirit of the Fourth Plenary Session of the 20th CPC Central Committee, adhere to the direction of the "15th Five-Year Plan," maintain stability while seeking progress, focus on high-quality development, and continuously increase investment in consumer credit resources. By innovating consumption scenarios, improving intelligent services, and deepening online-offline collaboration, the bank aims to contribute more to serving people's livelihoods and promoting high-quality economic development with faster response times, higher-quality products, and more considerate services.
