11条举措激活消费潜力 扩大政金企对接合作，瞄准五大消费领域

Core Viewpoint - The central economic work conference emphasizes the importance of boosting consumption to expand domestic demand and strengthen the domestic circulation, with a focus on guiding financial institutions to support this initiative [1][10]. Group 1: Policy Measures - The Ministry of Commerce, the People's Bank of China, and the financial regulatory authority issued a notification outlining 11 specific policy measures aimed at enhancing collaboration between commerce and finance to unlock consumption potential [1][10]. - The notification includes measures to deepen cooperation between local departments and financial institutions, encouraging them to strengthen communication and collaboration [3][12]. Group 2: Financial Support for Consumption - Five out of the 11 measures in the notification focus on increasing financial support for key consumption areas, including upgrading goods consumption, expanding service consumption, fostering new consumption types, innovating diverse consumption scenarios, and assisting consumption support [6][15]. - Empirical research indicates that the introduction of consumer finance products can increase borrowers' consumption by 16% to 30% and boost merchant sales by approximately 40%, effectively breaking budget constraints and releasing potential consumption demand [6][16]. Group 3: Collaboration Between Government, Finance, and Enterprises - The notification encourages the collaboration of government, finance, and enterprises to conduct multi-level, multi-channel, and diverse promotional activities for consumption, ensuring precise service matching and maximizing policy benefits [5][14]. - It emphasizes the need for regular communication and information sharing between commerce and finance systems to create a cohesive policy environment [5][14]. Group 4: Regional Initiatives and Implementation - Local commerce and financial regulatory departments have launched various special plans to support consumption, with specific measures tailored to regional needs [4][13]. - The notification also highlights the importance of expanding consumer loan interest subsidy policies at both national and regional levels to stimulate local consumption and reduce financing costs for residents [8][17]. Group 5: Future Directions - Financial institutions are advised to adopt a multi-dimensional approach to effectively promote consumption, including leveraging technology and enhancing collaboration with various consumption ecosystems [18]. - The focus should be on optimizing credit supply, deepening consumption scenarios, and improving service quality to create a better consumption environment [9][18].