中国人民银行：截至6月末不含个人住房贷款的全国住户消费贷款余额21.2万亿元

Core Viewpoint - The People's Bank of China (PBOC) is implementing policies to enhance consumer credit and support service consumption, aiming to stimulate economic growth through increased financing in key service sectors [1][2]. Group 1: Policy Implementation - As of the end of June, the balance of household consumption loans, excluding personal housing loans, reached 21.2 trillion yuan, with loans in key service sectors amounting to 2.8 trillion yuan [1]. - The PBOC plans to collaborate with fiscal departments to ensure effective policy implementation, focusing on increasing credit support in the service consumption sector [1][2]. - The newly introduced personal consumption loan interest subsidy and service industry loan subsidy policies aim to boost financing support from both demand and supply sides [1]. Group 2: Financial Support Mechanisms - The interest subsidy policy will directly reduce financing costs for residents and businesses, alleviating financial burdens [2]. - The re-lending policy links incentives to banks' credit allocation in the consumption sector, encouraging banks to increase lending and pass on benefits to businesses [2]. - The consumer loan interest rates will be determined by banks based on market principles, with the subsidy provided by fiscal funds to support consumption while ensuring sustainable financial support for the real economy [2]. Group 3: Enhancing Consumer Financial Products - Financial institutions are encouraged to integrate online and offline consumption scenarios, offering personalized services and simplifying approval processes to enhance the attractiveness of consumer financial products [3]. - There will be a focus on improving pricing capabilities for consumer loans, innovating products based on customer needs and risk characteristics to ensure long-term sustainability of consumer financial services [3]. - The initiative aims to enhance payment services' convenience, focusing on various consumption scenarios such as food, housing, transportation, and tourism to provide efficient and convenient payment experiences for consumers [3].