用精准政策促进消费提质升级

Core Viewpoint - The implementation of the "National Subsidy" policy for personal consumption loans aims to reduce the cost of consumer credit through fiscal funds, reflecting the policy's inclusiveness and addressing diverse consumer needs [1] Group 1: Policy Implementation and Impact - The "National Subsidy" policy has been in effect for over two months, combining consumption promotion with livelihood benefits, alleviating consumer burdens, and boosting confidence in pursuing higher quality living [1] - The policy has led to tangible subsidies across various sectors, including home appliances, new energy vehicles, vocational training, and home improvement, contributing to an upgrade in consumption quality [1] Group 2: Consumer Experience and Financial Innovation - In Jinan, a consumer saved 2,000 yuan in loan interest through the policy, highlighting its user-centric approach [2] - Financial platforms have innovated products and services since September, providing more convenient and flexible credit support to consumers, further driving consumption growth [2] Group 3: Policy Coordination and Synergy - The "National Subsidy" policy is not isolated; it works in conjunction with existing industrial, regional, and social policies to create a synergistic effect [3] - Various local governments have announced additional budgets for consumer incentives, such as vehicle trade-in subsidies and consumption vouchers, enhancing the overall impact of the subsidy policy [3] Group 4: Precision in Policy Execution - Effective execution of the policy requires precision in targeting, scenario application, and risk control [4] - Financial institutions are leveraging big data to provide customized credit services to creditworthy consumers, ensuring efficient allocation of resources [4] - The introduction of AI technology in risk management has helped maintain low default rates, supporting the sustainable implementation of the policy [4]