六部门联合，金融支持消费政策再加码！5000亿元消费再贷款工具来了

Core Viewpoint - The People's Bank of China and five other departments have jointly issued guidelines to boost consumption through financial support, outlining 19 key measures across six areas to enhance consumer capacity and optimize the consumption environment [1][5]. Group 1: Key Measures - The guidelines emphasize enhancing the professional service capabilities of financial institutions and expanding financial supply in the consumption sector, focusing on credit support and structural monetary policy tools [5]. - A new re-lending tool for service consumption and elderly care has been established with a quota of 500 billion yuan, allowing 21 national financial institutions and five systemically important urban commercial banks to apply for re-lending based on 100% of the loan principal [5]. - The re-lending tool is set to be effective until the end of 2027, following earlier announcements of a comprehensive financial policy package including interest rate cuts [5][6]. Group 2: Economic Context - The current economic environment is undergoing structural upgrades, with a shift from investment-driven growth to consumption-driven growth, which is expected to better meet the needs of the population and drive economic development [6]. - The guidelines aim to promote a transformation in consumption from goods to services, enhancing the experience and satisfaction of consumers [6]. Group 3: Financial Institution Support - Financial institutions are encouraged to diversify consumer financing, improve customer acquisition and risk control capabilities, and develop financial products tailored to various consumption scenarios [6][7]. - There is a call for optimizing risk grading models and enhancing consumer financial literacy, alongside efforts to combat illegal financial activities [7]. Group 4: Future Outlook - The People's Bank of China plans to accelerate the implementation of the guidelines and monitor their effectiveness, aiming to strengthen financial support for consumption and enhance its foundational role in economic development [7]. - With improving macroeconomic conditions and increased consumer willingness, consumption is expected to rise, further contributing to economic and social development [7].