央行等六部门发布19项举措 全面构建金融服务体系 支持提振和扩大消费

Core Viewpoint - The People's Bank of China and five other departments have jointly issued 19 measures to enhance financial support for consumption, aiming to build a comprehensive financial service system to stimulate and expand consumption [1][2]. Group 1: Financial Support Measures - The measures focus on six key areas: enhancing consumer capacity, expanding financial supply in consumption sectors, tapping into residents' consumption potential, improving consumption supply efficiency, optimizing the consumption environment, and providing policy support [2][3]. - The guidelines emphasize the importance of credit support as a primary channel, advocating for innovative and optimized credit products to meet diverse financing needs in the consumption sector [2][3]. - The bond market will see increased support for qualified enterprises in cultural, tourism, and education sectors to issue bonds, thereby expanding consumer credit [3]. Group 2: Focus Areas for Consumption - The measures identify key areas for financial support, including commodity consumption, service consumption, and new types of consumption [4]. - For commodity consumption, the guidelines call for innovative credit products to meet personalized consumer needs and enhance support for foreign trade enterprises transitioning to domestic sales [4]. - In service consumption, there will be increased financing support for sectors like retail, catering, and elder care, aimed at unlocking the potential of basic service consumption [4]. Group 3: Enhancing Consumer Capacity - The measures outline three main directions: enhancing residents' consumption capacity, improving supply efficiency, and strengthening basic financial services [5][6]. - To enhance consumer capacity, the guidelines propose stabilizing consumption expectations and supporting employment and income growth to boost consumer confidence [5][6]. - The focus will also be on improving consumption infrastructure, particularly in logistics and supply chain efficiency, to facilitate market expansion [6]. Group 4: Optimizing Consumption Environment - The guidelines suggest optimizing payment services, building a robust credit system, and protecting consumer rights to create a better consumption environment [7]. - The People's Bank of China will work with relevant departments to ensure the implementation of these policies and monitor their effectiveness in enhancing financial support for consumption [7].