银行业金融机构应从三方面协同发力提振消费

Core Viewpoint - The joint issuance of the "Notice on Strengthening Business and Financial Coordination to Boost Consumption" by the Ministry of Commerce, the People's Bank of China, and the National Financial Regulatory Administration aims to enhance consumption through 11 policy measures across key areas such as goods consumption, service consumption, and new consumption types, emphasizing the need for collaboration between banking institutions and business departments to effectively implement these policies [1][2]. Group 1: Policy Measures - The notice outlines three main areas of focus with 11 specific policy measures to support consumption, emphasizing the importance of collaboration between financial institutions and local business departments [1]. - Financial institutions are encouraged to establish regular coordination mechanisms with local governments to enhance communication and tailor implementation details to local conditions, ensuring effective policy execution [1][2]. Group 2: Financial Services Innovation - Financial institutions should innovate their service offerings to better support consumption, particularly in areas such as durable goods, digital products, and service consumption, by providing flexible financing options like installment payments and credit cards [3][4]. - There is a call for financial institutions to explore new financing models that cater to emerging consumption trends, including green consumption and digital consumption, while ensuring risk control and sustainability [5][6]. Group 3: Collaboration and Support - Strengthening cooperation with key enterprises and platforms is essential for providing comprehensive financial support, including cross-border supply chain financing and facilitating domestic and international trade [2][4]. - Financial institutions are urged to actively participate in consumption promotion activities organized by business departments, offering tailored financial solutions to enhance the efficiency of subsidy distribution [4][5]. Group 4: Targeted Financial Solutions - The development of differentiated financial services that cater to new consumption patterns and business models is crucial, with a focus on supporting small and medium-sized enterprises and individual operators [5][6]. - Financial institutions should leverage digital tools to integrate subsidies and consumption vouchers with consumer spending, ensuring precise alignment with consumption scenarios [5][6].