加大消费信贷支持力度 多措并举扩大服务消费

Core Viewpoint - The recent policy measures released by the Ministry of Commerce and nine other departments aim to expand service consumption through various financial support initiatives, particularly focusing on enhancing credit support for service consumption sectors [1][2]. Financial Support for Service Consumption - Financial institutions are encouraged to innovate and develop specialized financial products tailored to the characteristics and financing needs of service consumption entities [1][2]. - Zhejiang rural commercial banks have played a crucial role in providing financial support to enhance local consumption ecosystems by optimizing financial services and improving efficiency [2]. Supply-Side Initiatives - Individual businesses have benefited from timely financial support, such as the "Jia Ge Dai" financing product, which has helped them overcome cash flow challenges and maintain inventory during peak seasons [3]. - The establishment of a "government-bank integration" service system has facilitated comprehensive financial services for individual businesses, addressing their unique operational characteristics [3][4]. Innovative Consumer Credit Products - Zhejiang rural commercial banks have launched targeted consumer credit products, such as "Gong Xin Dai" and "Jia Zhuang Dai," to support various consumer needs, resulting in significant loan disbursements [5][6]. - The introduction of online and credit-based products has improved the consumer credit experience, with a focus on quick approvals and enhanced accessibility [6]. Healthy Consumption Environment - The "One-Click Resolution" code card initiative has been implemented to streamline dispute resolution between consumers and merchants, enhancing the overall consumer experience [7][8]. - Banks are committed to protecting consumer rights and promoting financial literacy, aiming to create a sustainable service consumption environment [8].