PSBC(601658) 证券日报之声·2025-03-30 16:10Core Viewpoint - The government work report emphasizes a people-centered approach, shifting economic policies towards improving livelihoods and promoting consumption, which in turn stimulates economic growth [1] Group 1: Consumer Support Initiatives - Postal Savings Bank is actively supporting consumption through diverse financial services, aligning with national policies to expand domestic demand and enhance consumption quality [1] - The bank leverages credit cards to provide consumer benefits through various promotional activities, including discounts and payment reductions, thereby invigorating the consumption market [2] - The "National Subsidy" policy has been expanded to include commonly used 3C digital products, allowing consumers to enjoy significant discounts and flexible payment options [2] Group 2: Consumer Rights and Safety - Prepaid consumption has become a significant part of the market, but issues with consumer fund losses have arisen, prompting the bank to innovate in technology to protect consumer rights [3] - The bank has introduced a digital RMB smart contract service that ensures unused prepaid funds are returned to consumers, enhancing trust and security in the consumption environment [3] - This service clarifies the ownership of prepaid funds and protects consumers even in cases of merchant bankruptcy, thus mitigating risks associated with traditional models [3] Group 3: Merchant Benefits - The digital RMB smart contract service not only secures consumer funds but also provides benefits to merchants by expanding their customer base and enhancing consumer confidence [4] - Many merchants in various sectors, including fitness, education, and dining, have adopted this service, indicating its widespread acceptance and utility in the market [4]