2026北京两会丨对话市政协委员郭田勇：金融促消费要抓稳就业、融场景、守底线

Core Viewpoint - Financial support is essential for stimulating consumption in Beijing, focusing on stabilizing enterprises and employment, optimizing consumer finance services, and improving the payment environment to enhance consumer willingness [3][5][11]. Group 1: Financial Support Strategies - The key strategies for financial support in expanding consumption include stabilizing enterprises and employment, particularly by supporting small and micro enterprises, which are crucial for job creation and income growth [3][5]. - Optimizing consumer finance services is necessary to meet residents' cross-cycle funding needs, particularly for large purchases such as home appliances and travel [5][11]. - Improving the payment and settlement environment will make transactions more convenient and enhance the overall consumption atmosphere [5][6]. Group 2: Targeting Specific Demographics - Financial strategies should focus on middle and low-income groups by enhancing social security systems in healthcare, education, and elderly care to alleviate consumption concerns [4][11]. - For high-income groups, leveraging technological innovation can stimulate demand for upgraded consumption, aligning with the capital's industrial advantages [4][11]. - Addressing the needs of specific groups such as youth, new citizens, and rural residents requires tailored financial products that match their characteristics and potential income growth [7][8]. Group 3: Innovation and Risk Management - Balancing innovation with risk management is crucial, emphasizing data security and privacy protection while preventing excessive credit and irrational consumption [10][12]. - Financial institutions must adhere to regulations regarding data usage and ensure that consumer credit products are designed responsibly to avoid over-indebtedness [10][12]. - Establishing a collaborative governance framework is necessary to ensure compliance and mitigate risks associated with financial innovations [10][12]. Group 4: Long-term Mechanisms - A sustainable financial consumption promotion mechanism should be established, focusing on maintaining a stable economic environment to support employment and income expectations [11][12]. - Continuous improvement of social security systems is vital to reduce residents' concerns in areas such as healthcare and education, fostering a more confident consumption environment [12]. - A policy coordination mechanism should integrate financial support with industrial development and social security policies to create a virtuous cycle of employment, income growth, and consumption expansion [12].