Core Viewpoint - The Ministry of Commerce, in collaboration with the People's Bank of China and the Financial Regulatory Bureau, has issued a notification aimed at enhancing the synergy between commerce and finance to boost consumption, utilizing various financial tools such as financing guarantees, loan interest subsidies, and risk compensation [1] Group 1: Strengthening Collaboration - The notification outlines 11 policy measures across three main areas to deepen collaboration between commerce and finance, encouraging local departments to enhance communication and cooperation [2] - Local commerce departments are encouraged to leverage existing funding channels to promote consumption activities, working in tandem with financial support to better stimulate consumer potential [2] - The use of digital RMB smart contract red envelopes is encouraged to improve the effectiveness of consumption promotion policies [2] Group 2: Financial Support for Key Consumption Areas - Financial institutions are encouraged to focus on five key areas: upgrading product consumption, expanding service consumption, nurturing new consumption types, innovating diverse consumption scenarios, and supporting consumption assistance [3] - The notification emphasizes enhancing financial services for durable goods and digital products, aiming to tap into the potential for product consumption upgrades [3] - Financial institutions are urged to collaborate with platforms and key merchants to improve payment options and better meet consumer needs for product upgrades [3] Group 3: Expanding Service Consumption - A "1+N" policy support system is to be established to enhance service consumption, focusing on sectors like home services, hospitality, entertainment, education, tourism, and elder care [4] - The notification promotes the development of financial products that cater to small and micro enterprises, including services for pledging intangible assets like intellectual property [4] - The aim is to improve the adaptability of financial services to service consumption, thereby optimizing service supply [4] Group 4: Enhancing Government-Finance-Enterprise Cooperation - The notification encourages the collaboration of government, financial institutions, and enterprises to conduct diverse consumption promotion activities and share information effectively [5] - Financial institutions are urged to participate in local consumption promotion activities organized by commerce departments, offering tailored products and services [5] - The notification promotes the issuance of consumption vouchers and low-interest installment options to enhance consumer engagement [6]
三部门出台11条政策措施 加强商务和金融协同 更大力度提振消费
Zhong Guo Zheng Quan Bao·2025-12-14 21:04