和讯投顾黄杰：央行出台8项政策举措 支持经济结构转型优化！

Core Insights - The central theme of the news is the introduction of eight significant financial policy measures by the central bank, focusing on structural interest rate cuts to support economic transformation and optimization, signaling strong intentions for stable growth and transformation [1] Group 1: Monetary Policy Adjustments - The central bank has reduced the interest rates of various structural monetary policy tools by 0.25 percentage points, with the one-year re-lending rate decreasing from 1.5% to 1.25%, aimed at lowering financing costs for financial institutions and guiding a steady decline in overall financing costs for the real economy [1] - The new policy measures include an increase in re-lending quotas for agricultural support and small businesses by 500 billion yuan, along with a dedicated 1 trillion yuan re-lending quota for private enterprises to address financing difficulties faced by small and micro private businesses [1] Group 2: Support for Innovation and Green Finance - The re-lending quota for technological innovation and technical transformation has been raised from 800 billion yuan to 1.2 trillion yuan, with an additional 400 billion yuan allocated, alongside a new 200 billion yuan re-lending quota to enhance bond financing support [1] - The policies also expand the coverage of carbon reduction support tools to include energy-saving renovations, green upgrades, green electricity supply, and green energy, aiding in the achievement of dual carbon goals and industrial green transformation [1] Group 3: Consumer and Real Estate Support - Financial support for the consumption sector has been broadened to include service consumption and elderly care, focusing on emerging consumption trends such as digital economy and electronic technology consumption to stimulate domestic demand [2] - The minimum down payment ratio for commercial property purchases has been lowered to 30%, specifically targeting the inventory reduction of commercial real estate, while maintaining a precise regulatory stance on the "housing for living, not for speculation" principle [2] Group 4: Risk Management Enhancements - The policies include improvements to the foreign exchange risk hedging service system, encouraging financial institutions to enhance their capabilities in providing foreign exchange risk hedging services and to innovate more flexible hedging products and tools to help foreign-related enterprises effectively manage exchange rate fluctuations [2]