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

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 consumer spending through various financial support measures [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 urged to leverage existing funding channels to promote consumption activities, working in tandem with financial support to 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 the need to enhance financial services for durable goods and digital products, facilitating consumer upgrades through various payment options [3] - Personal consumption loan policies are to be tailored based on customer repayment capabilities, with a focus on expediting the development of personal consumption loans [3] Group 3: Expanding Service Consumption - A "1+N" policy framework is proposed to increase support for service consumption, with innovations in financial products and services tailored to specific service sectors [4] - The notification highlights the importance of financing services for intangible assets like intellectual property and technology achievements, particularly for small and micro enterprises [4] Group 4: Enhancing Government-Financial-Enterprise Cooperation - The notification encourages a collaborative approach among 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, offering tailored products and services to reach a broader audience [5][6] - The development of financial products that align with the characteristics of the consumption industry is encouraged to enhance customer acquisition and promotional flexibility [6]