New energy vehicles, shared bicycles, smart homes, digital yuan... These new concepts, new models and new products related to green environmental protection are gradually becoming cutting-edge fashions sought after by young people. The concept of carbon neutrality and carbon emissions has also been irrigated by these new consumption concepts and spread into a green and sustainable lifestyle.
With the clarification of The timeline of China's "double carbon" target, green finance has become a hot word, and it has become the consensus of the industry to accelerate the green transformation of the economy and finance to help carbon neutrality. As the main force of green finance, the banking industry has entered the game and launched a large number of green financial products.
How should green and low carbon be combined with credit card business? In August last year, SPD Credit Card led the industry and launched the "SPDB Green and Low Carbon Theme Credit Card", aiming to promote the new concept of low-carbon life to cardholders and become a practitioner of financial innovation. Taking credit cards as the starting point, SPD Credit Card is more customer-centric, digging deep into the consumption scenarios related to "double carbon" through a series of special activities, and guiding credit card consumption to open a new chapter of green and low carbon.
Stand at the forefront of the industry, take the initiative to conform to the low-carbon main spin "green"
Anchoring the "double carbon" goal, carbon peaking and carbon neutrality have been written into the 14th Five-Year Plan and the 2035 long-term goal, and there is a clear "roadmap" in the top-level design. The road to "double carbon" involves all walks of life, among which green finance is an important piece of the puzzle, which can be seen from the policies introduced in recent times.
In June last year, the People's Bank of China issued the "Green Finance Evaluation Plan for Banking Financial Institutions", and subsequently, a number of banks issued institutional plans on green finance. At the regional level, in August last year, Shanghai issued the 14th Five-Year Plan for the Construction of Shanghai International Financial Center, which clearly explores the reform and innovation of green finance. It can be said that in the banking industry, a low-carbon change is happening, and thus stimulating financial increment and building a new green financial ecology.
The banking industry is a huge system, and all sub-formats are exploring the possibilities of green finance and empowering green and low-carbon practices with financial attributes. Upward, the banking industry docks corporate customers, in green credit, green investment and other aspects of the force, downward, the banking industry covers personal business including credit cards, is conducive to the green and low-carbon concept to penetrate into more users, in the green consumption, carbon credit and other fields, play a strong influence and driving force.
It is based on this consideration that SPD Credit Card occupies the forefront of the industry, actively conforms to the low-carbon main spin "green", explores a new way to combine credit cards with green and low-carbon early, and sorts out the prototype of the brand's green and low-carbon strategy: seize the characteristics of 2C business with strong inclusiveness and wide business coverage, and integrate low-carbon product consumer finance and low-carbon life consumption mode through credit card product innovation, so as to provide users with a new choice to achieve green and low-carbon consumption, so as to achieve the ultimate goal of practicing the green and low-carbon concept.
Dig deep into the consumption scene and integrate the concept of low carbon into the financial bloodline
The practice of carrying the low-carbon concept of SPD Credit Card starts with a small card.
On August 24 last year, SPD Credit Card launched the "SPD UnionPay Green Low-Carbon Theme Credit Card" in the industry, leading more cardholders to invest in the low-carbon ranks. The "inside" and "outside" of this theme credit card contain a full concept of environmental protection.
The design of "Li" adopts PETG environmental protection material in terms of material, which reduces the burden on the environment after the abandonment of traditional PVC cards, and integrates the concept of green earth and low-carbon travel in the design language, advocating harmonious coexistence between man and nature. The "outside" design fully mobilizes the green rights and interests of environmental protection. Cardholders can use cloud flash payment ride code, cloud flash payment consumption code, UnionPay mobile phone flash payment, etc., bound to the theme credit card to take the bus or subway, and can get the card refund. Through this low-carbon equity design, cardholders are encouraged and encouraged to participate in new ways of living in an environmentally friendly way.
With the birth of card products, SPD Credit Card conveyed the green concept to the majority of users through an online conference, and also echoed the green theme in an environmentally friendly way. From the product innovation of a theme card to the activity innovation of an "ultra-light cloud release", we can see that SPD Credit Card resolutely grasps the initiative of market trends. To a certain extent, it also drives peers to create relevant theme credit cards and jointly promote the credit card industry to run out of a new track.
In addition to this "small green card", the entire SPDB credit card center is also carrying out "double carbon" practice in a larger scope, digging deep into the green and low-carbon consumption scene, and constantly launching new activities to integrate the concept of low carbon into the financial bloodline.
From April 22 to May 17, SPD Credit Card launched the "Green Points My 6th" activity, which creatively stringed together green consumption scenarios such as taking buses, taking subways, public payment, cycling, and charging new energy vehicles.
In line with the development pattern of green industry, SPD Credit Card also keenly captures the rapid development of new energy vehicles, based on the advantages of traditional credit, and lays out green credit. Users only need to purchase the designated new energy models of the car brand in the stores of the cooperative automobile dealers, and they can enjoy the preferential handling fee. This green credit covers SAIC Volkswagen, Chevrolet, Geometry, Lynk & Co, etc., bringing real benefits to users while also promoting the flow of resources in a more environmentally friendly direction.
Enriching the service "touchpoints" of green finance, SPD Credit Card is also focusing on exploring the diversified development of low-carbon consumption scenarios. This year, SPD Credit Card will link up with high-quality business district merchant brands to carry out green consumption card return card payment activities; at the same time, SPD has also linked up with WeChat to launch the "WeChat Ride Courtesy" activity, which silently injects a new wind into the development of the credit card industry.
The relevant person in charge of SPD Credit Card revealed that the green points that SPD Credit Card has launched are only the 1.0 version of its low-carbon practice, and the follow-up card center will also plan to launch carbon account business to carry out more business innovation for personal credit card accounts and consumption, which is worth looking forward to.
Deeply cultivate green finance and stimulate the future potential of green finance consumption
The importance of finance to achieve the goal of "double carbon" is self-evident, and the concept of deep ploughing green finance requires each subdivision to be practiced from every level of product innovation and planning innovation, in order to accelerate the construction of a new green financial ecology and further stimulate potential while responding to the "double carbon" policy.
Based on all users, SPD Credit Card plans multi-level and multi-touch marketing activities and strategically plans the pace of transformation, which can not only guide customers to agree with the concept of green and low-carbon life, but also "gather sand into a tower" for the transformation of green financial business, so that the concept of green and low carbon can penetrate into the lives of more people.
In the long run, SPD Credit Card has been combined with green and low-carbon early, and has taken life scenarios such as travel and green consumption such as new energy vehicles as a contact point for banks to build financial services with users, which not only vigorously promotes the green and low-carbon life consumption mode and consumption concept, but also helps it build a green concept of credit card brand, setting up a demonstration role for the industry.
Green finance has a vigorous development trend and opportunities, and it is also the focus of development in the "14th Five-Year Plan" period. With green finance to promote the overall situation of environmental protection, green low-carbon and credit card "chemical reaction" has just begun, SPD Credit Card's low-carbon main spin "green", is an important mission to implement the green finance policy, but also lead the industry trend, become the endogenous driving force to activate green finance.
Editor: Chen Yunfeng