三部门联合发文推11条举措 促消费政策“组合拳”再加码 加强商务金融协同 更大力度提振消费

Core Viewpoint - The joint issuance of the "Notice" by the Ministry of Commerce, the People's Bank of China, and the National Financial Regulatory Administration aims to enhance collaboration between commerce and finance to boost consumption through 11 policy measures focusing on various consumption sectors [1][2]. Group 1: Policy Measures - The "Notice" emphasizes deepening collaboration between commerce and finance systems, encouraging local departments to enhance communication and cooperation, and promoting a combination of fiscal, credit, and social capital to implement specific measures [1]. - It highlights the importance of cross-departmental coordination to ensure effective policy implementation, with the Ministry of Finance and the People's Bank of China already implementing a personal consumption loan subsidy policy since September 1 [1]. - The "Notice" aims to create a systematic approach by encouraging regular communication between commerce and finance sectors, enhancing policy alignment, and sharing information to maximize the effectiveness of various policy combinations [1]. Group 2: Consumption Focus Areas - The "Notice" proposes targeted measures for goods consumption, service consumption, and new consumption types, including enhancing financial services for durable goods and digital products to tap into consumption upgrade potential [2]. - It suggests improving the "1+N" policy framework to increase support for service consumption, focusing on sectors like home services, hospitality, entertainment, education, tourism, and elderly care [2]. - The document encourages innovation in financial products and services to integrate more into consumption scenarios and ecosystems, exploring effective measures to support emerging consumption models such as green consumption and digital consumption [2]. Group 3: Support for Consumption - The "Notice" encourages the "government-finance-enterprise" collaboration to conduct diverse consumption promotion activities and information sharing, ensuring precise service matching to meet the needs of businesses and consumers [3]. - It promotes the customization and upgrading of digital RMB smart contract red envelope services by financial institutions to meet the requirements for efficient fund turnover and targeted policies [3]. - Local commerce departments are urged to establish a list of key projects in the consumption sector and enhance information sharing with financial institutions to facilitate precise service matching [3].