央行等六部门：鼓励金融机构加强金融产品和服务创新，为消费领域提供多样化、差异化金融服务

Core Viewpoint - The People's Bank of China and five other departments have jointly issued guidelines to enhance financial support for consumption, aiming to stimulate and expand consumer demand in the economy [1][2][3] Group 1: Key Measures - The guidelines propose 19 key measures across six areas: enhancing consumer capacity, expanding financial supply for consumption, unlocking consumer potential, improving consumption supply efficiency, optimizing the consumption environment, and ensuring policy support [1][2] - Emphasis is placed on strengthening structural monetary policy tools and increasing credit support for key service consumption sectors such as retail, hospitality, and education [2][3] Group 2: Financial Innovation and New Consumption - The guidelines encourage financial institutions to explore effective channels for supporting new types of consumption, including digital, green, and health-related consumption [3] - Financial institutions are urged to collaborate with merchants to develop financial products tailored to new consumption characteristics and to participate in promotional activities to benefit consumers [3] Group 3: Implementation and Monitoring - The People's Bank of China will work with relevant departments to accelerate the implementation of the guidelines and enhance monitoring to ensure financial support for consumption is effectively increased [3]