三部门发文指导“金融促消费”，多家银行和地方监管正发力，有股份行今年消费贷投放已超8000亿

Core Viewpoint - The central economic work conference has prioritized "promoting consumption" as a key task, leading to a collaborative effort from the Ministry of Commerce and the central bank to enhance consumer spending through financial support [1][4]. Group 1: Government Initiatives - The central economic work conference emphasizes the importance of domestic demand and the establishment of a strong domestic market as primary objectives for the upcoming year [2][5]. - A notification was issued by multiple departments, including the Ministry of Commerce and the central bank, urging financial institutions to increase support for consumer finance [2][5]. Group 2: Bank Responses - Several banks, including Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB), have actively responded to the government's call by increasing personal consumption loan offerings [2][6]. - As of the end of November, Everbright Bank reported that its personal consumption loan issuance exceeded 800 billion yuan [2][6]. Group 3: Regulatory Support - Local financial regulatory bodies are guiding institutions to enhance credit issuance to stimulate consumer spending [3][7]. - The Hebei Financial Regulatory Bureau has established a task force to implement fiscal subsidies for personal consumption loans and has focused on supporting key consumption sectors [3][7]. - The Guizhou Financial Regulatory Bureau is also promoting fiscal subsidy policies for personal consumption loans, expanding the scope of support [3][7].