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 joint notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Authority aims to enhance collaboration between commerce and finance to boost consumer spending and support economic recovery [1][2]. Group 1: Strengthening Financial Support for Key Consumption Areas - Financial support will be increased for durable goods and digital products, focusing on enhancing consumer finance services to tap into the potential for consumption upgrades [4]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment services such as installment plans, credit cards, and digital currency, thereby better meeting consumer demand for upgrades [4][5]. - Personal consumer loan policies will be tailored based on customer repayment ability and credit status, with differentiated policies on loan amounts, terms, and interest rates to accelerate the development of personal consumer loans [4][5]. Group 2: Promoting Service Consumption - A comprehensive policy framework will be established to support service consumption, focusing on sectors like home services, hospitality, entertainment, education, tourism, and elder care [5][6]. - Financial products and services will be innovated to better integrate into consumption scenarios, enhancing the accessibility and convenience of financial services for consumers [6]. - Financial institutions are encouraged to provide loans to service sector entities and to promote intangible asset financing for small and micro enterprises [6][7]. Group 3: Cultivating New Consumption Models - The initiative aims to promote new consumption types such as green consumption, health consumption, and digital consumption, with financial support tailored to these emerging sectors [6][7]. - Financial institutions are urged to collaborate with social e-commerce and live-streaming platforms to develop business models that cater to internet characteristics [6][7]. - There will be an emphasis on expanding customer reach and enhancing service accessibility, particularly for underserved segments [6][7]. Group 4: Enhancing Government-Financial Institution-Enterprise Cooperation - Financial institutions are encouraged to actively participate in local consumption promotion activities organized by commerce departments, offering tailored financial products and services [8][9]. - A focus on information sharing between local commerce departments and financial institutions will facilitate better alignment and support for consumption projects [8][9]. - The initiative includes promoting consumer rights and guiding rational borrowing and consumption among consumers [9].