三部门：鼓励有条件的地方运用数字人民币智能合约红包提升促消费政策实施质效

Core Viewpoint - The notification emphasizes the need for stronger collaboration between commerce and finance to boost consumer spending, encouraging local authorities to leverage existing funding channels for promotional activities [1] Group 1: Policy Coordination - The notification calls for enhanced policy synergy, urging local commerce departments to actively engage in consumer promotion activities in conjunction with financial support [1] - It encourages the use of digital RMB smart contract red envelopes to improve the effectiveness of consumer promotion policies [1] Group 2: Financial Support Mechanisms - Local governments are encouraged to explore various methods such as financing guarantees, loan interest subsidies, and risk compensation to strengthen the collaboration between fiscal, commerce, and financial policies [1] - There is a focus on guiding credit funds to increase investment in key consumer sectors [1] Group 3: Targeted Consumption Projects - The notification promotes support for key projects in health, culture, tourism, and new consumption areas such as digital and green sectors [1] - Banks and non-bank financial institutions are encouraged to leverage their unique strengths and collaborate in consumer promotion activities to enhance the quality and upgrade of consumption [1]