两会三人行｜金融促消费 不能单靠“放贷刺激”

Core Viewpoint - The Chinese consumer market is experiencing deep financial empowerment, with continuous release of fiscal interest subsidies, collaboration between financial institutions and e-commerce companies, and ongoing innovation in consumer financial products, which facilitates a positive cycle of "daring to consume, willing to consume, and healthy consumption" [1] Group 1: Financial Empowerment and Consumer Behavior - Financial policies should focus on supply-side improvements rather than merely increasing borrowing, emphasizing the need for innovative credit products tailored to young consumers [1][2] - The current consumption market shows structural differentiation, with physical goods consumption slowing down while service consumption continues to grow, indicating a shift towards better experiences and services as income levels rise [2] - Financial institutions are encouraged to embed financial tools into consumption scenarios, moving beyond traditional lending to support quality service supply in areas like elderly care, childcare, and healthcare [1][3] Group 2: Targeting Specific Consumer Groups - Young people, new citizens, and rural residents are identified as key consumer groups with high consumption potential but relatively weak financial service coverage, necessitating a reduction in information asymmetry to better serve them [4][5] - Financial products should be customized for different life stages and consumption preferences, leveraging data-driven insights to create tailored solutions for diverse consumer needs [8][11] Group 3: Policy Recommendations and Implementation - Financial policies should aim to lower the consumption burden on young consumers through effective fiscal-financial collaboration, such as the recent inclusion of credit card installment plans in fiscal subsidy policies [7][11] - The focus should be on three core areas: bulk goods, services, and new consumption, with specific financial products designed for sectors like electric vehicles and cultural tourism [10][11] - Collaboration among government, banks, and businesses is essential to ensure that financial policy benefits reach consumers effectively, creating a closed loop of financial support [11][12]