事关促消费，央行等六部门重磅发布19条支持举措

Group 1 - The core viewpoint of the news is the introduction of significant policy support for consumption in China, as outlined in the "Guiding Opinions on Financial Support to Boost and Expand Consumption" issued by six government departments [1][2] - The Opinions propose 19 specific measures across six areas, including enhancing consumer capacity, cultivating consumer demand, and improving the specialized service capabilities of financial institutions [1][2] - Emphasis is placed on increasing support for the real economy and coordinating financial, fiscal, and industrial policies to maintain liquidity and reduce overall financing costs [1][2] Group 2 - The Opinions highlight the importance of increasing residents' income to boost consumption, with a focus on supporting employment and enhancing consumer confidence [2] - Financial services will be strengthened for small and micro enterprises, and measures will be taken to simplify the application process for entrepreneurial guarantee loans [2] - The document also mentions the need for innovative financial products that cater to household wealth management needs, aiming to increase disposable income for families [2] Group 3 - The Opinions encourage financial institutions to provide loans to key service consumption sectors such as retail, hospitality, and education, thereby enhancing the quality and efficiency of service consumption supply [2][4] - A specific loan program of 500 billion yuan is established for service consumption and elderly care, allowing major financial institutions to apply for refinancing based on the principal of loans issued [2][3] Group 4 - The Opinions support the issuance of financial bonds by qualified consumer finance companies and the securitization of retail loans to expand consumer credit [3] - Analysts note that service consumption is increasingly important for stabilizing growth, employment, and livelihoods, with a focus on personalized financial products for service consumption [4] Group 5 - The Opinions also address the need for financial support in enhancing consumption infrastructure and circulation systems, including funding for urban consumption centers and community service facilities [4] - A framework for protecting financial consumer rights is proposed, ensuring transparency and regulation in financial product marketing and sales [5]