三部门发文：加强商务和金融协同 更大力度提振消费

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 [2][3]. Group 1: Strengthening Collaboration - Local business authorities and financial management departments are encouraged to improve communication and establish coordination mechanisms to address challenges in financial support for consumer expansion [2][3]. - Financial institutions are urged to align their resources and services with existing policies to actively support consumer spending initiatives [3][4]. - Local authorities are encouraged to utilize existing funding channels and collaborate with financial institutions to enhance the effectiveness of consumer promotion activities [3][4]. Group 2: Financial Support for Key Consumer Areas - Financial services for durable goods and digital products are to be strengthened, with a focus on meeting consumer upgrade demands through various payment options [4][5]. - The notification calls for the development of innovative financial products tailored to service consumption sectors such as hospitality, entertainment, and education [5][6]. - New consumption models, including green and digital consumption, are to be promoted with financial support, encouraging collaboration between financial institutions and e-commerce platforms [6][7]. Group 3: 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 [8][9]. - Information sharing between local business authorities and financial institutions is to be improved to facilitate precise financing services for key consumer projects [9][10]. - The notification highlights the importance of promoting financial policies and protecting consumer rights to encourage responsible borrowing and spending [9][10].