“贷”动烟火气 增添新活力 辽宁省住户短期消费贷款余额同比增长10.65%

Core Viewpoint - The article highlights the significant impact of financial policies on consumer spending, showcasing how various financial products and government initiatives are stimulating consumption in the market [1][3][4]. Financial Policy Support - Financial institutions are introducing consumer loan products with flexible terms, such as daily interest calculation and lower rates, to enhance consumer purchasing power [3][4]. - The People's Bank of China has reported an increase in financial support for consumption, with a focus on improving residents' consumption capacity and reducing corporate financing costs [3][4]. Loan Statistics - As of September 2025, the short-term consumer loan balance in Liaoning Province reached 151.66 billion yuan, with a year-to-date increase of 4.81 billion yuan, reflecting a year-on-year growth of 10.65% [4]. - The support for service consumption and elderly care loans has also seen significant applications, indicating a broader financial backing for key consumption areas [4]. Consumer Incentives - The introduction of a subsidy policy for personal consumption loans allows consumers to benefit from interest-free loans, with a maximum subsidy of 500 yuan per transaction [5][6]. - E-commerce platforms are actively participating in this initiative, offering interest-free installment options for consumers, thereby reducing their financial burden [6]. Youth Consumption Trends - A growing acceptance of credit consumption among the youth demographic is evident, with 37.2% of surveyed young individuals in Shenyang having used consumer loan products [7]. - The majority of youth utilize platforms like Alipay and WeChat for credit consumption, indicating a shift in payment preferences towards installment options [7][8]. Overall Consumption Growth - The article notes a positive correlation between financial support and consumer spending, with urban residents in Shenyang experiencing a 4.3% increase in per capita consumption expenditure year-on-year [8]. - Rural residents also saw a 4.7% increase, highlighting a trend of consumption upgrading across various categories, driven by supportive policies and market dynamics [8].