三部门：鼓励金融机构积极参与地方商务主管部门组织开展的系列促消费活动

Core Viewpoint - The notification emphasizes the need for enhanced collaboration between the business and financial sectors to stimulate and expand consumer spending, aligning with the directives of the central government [1][10]. Group 1: Strengthening Collaboration - Local business departments and financial management agencies are encouraged to improve communication and establish a coordinated working mechanism to address challenges in financial support for consumer expansion [1][2][10] - Financial institutions are urged to align their resources and services with existing policies to effectively support consumer spending initiatives [2][11]. Group 2: Financial Support for Key Consumption Areas - Financial services for durable goods and digital products are to be enhanced, with a focus on meeting consumer upgrade demands through various payment options [3][12]. - The notification promotes the development of financial products tailored to service consumption sectors such as hospitality, entertainment, and education, integrating them into consumer ecosystems [4][13]. Group 3: Promoting New Consumption Models - The initiative encourages the exploration of new consumption patterns, including green and digital consumption, and the development of diverse financial services to support these trends [5][14]. - Financial institutions are advised to collaborate with e-commerce platforms to create integrated financial services that cater to the unique characteristics of online shopping [5][14]. Group 4: Enhancing Government-Financial-Enterprise Cooperation - Financial institutions are encouraged to participate in local consumer promotion activities, offering tailored products and services to reach a broader audience [6][16]. - The establishment of a project list for key consumption areas is recommended to facilitate information sharing between local business departments and financial institutions [7][16]. Group 5: Promotion and Consumer Protection - The notification highlights the importance of promoting existing financial support policies and protecting consumer rights, guiding them towards rational borrowing and spending [8][17].