深入实施“人工智能+”行动 通过贴息激发消费潜力

Group 1 - The core viewpoint of the articles emphasizes the necessity and urgency of implementing interest subsidy policies to stimulate consumer spending and support service industry financing [1][2] - The Ministry of Finance plans to utilize fiscal interest subsidies to guide credit resources towards stabilizing the consumer market, aiming to create a virtuous cycle between consumption and investment [1][2] - The current consumer market recovery is fragile, with household consumption demand remaining weak despite various policy measures [1][2] Group 2 - Financial management departments are taking multiple measures to enhance credit support for the consumption sector, including adjusting personal consumption loan policies and increasing loan limits [2] - As of the end of the second quarter, the balance of consumption loans, excluding personal housing loans, reached 21.18 trillion yuan, showing a year-on-year growth of 6%, which is slower than the overall loan growth rate [2] - The coordination between fiscal and financial policies is crucial, with fiscal policy being the primary driver supported by financial measures to create a favorable monetary environment [2] Group 3 - The implementation of the interest subsidy policy requires precise alignment with demand, expanding the policy's coverage to include key consumption scenarios such as vehicle purchases and home appliances [3] - For service industry entities, the focus should be on small and medium-sized enterprises in sectors like catering and childcare, actively identifying financing needs and providing loan support [3]