为新春消费配好“金钥匙”

Core Viewpoint - The Ministry of Commerce and nine other units have issued the "2026 'Buy New Year' Spring Festival Special Activity Plan" to enhance the supply of quality goods and services, stimulate the vitality of physical commerce, and better meet the needs of the people for a better life [1] Financial Support - The plan emphasizes "increased financial support," encouraging financial institutions to collaborate with key merchants to organize exclusive Spring Festival activities, such as consumer red envelopes and discounts, to expand the coverage of these activities [1] - Financial institutions are required to ensure adequate cash services during the Spring Festival, including maintaining sufficient cash reserves and operating a reasonable number of outlets [2] Consumer Experience - The initiative aims to enhance consumer satisfaction and convenience by ensuring that financial services remain available during the holiday, addressing the core demand for cash withdrawal services, especially for traditional practices like giving red envelopes [1][2] - Financial institutions should improve their mobile banking services to better integrate payment services with consumer scenarios, thereby increasing user engagement and satisfaction [3] Policy Implementation - The plan includes the efficient implementation of consumer loan interest subsidy policies, which were extended until the end of 2026, including support for credit card installment services [3] - Consumers can access credit card interest subsidy agreements through mobile banking or customer service, ensuring that they benefit from the policy without additional steps [4]