金融监管总局郭武平：鼓励金融机构加大消费领域资源投入

Core Viewpoint - The Chinese government is implementing financial support measures to stimulate consumer spending during the 2026 "Lego New Spring" festival, focusing on reducing costs, improving services, benefiting people's livelihoods, and strengthening guarantees [1][2][3] Group 1: Cost Reduction - The financial regulatory authority has introduced interest subsidy policies for personal consumption loans, reducing the interest rate by 1 percentage point [1] - Recent adjustments include expanding the scope of interest subsidies to credit cards and increasing the subsidy amount, with a broader range of financial institutions involved [1] Group 2: Service Improvement - Financial institutions are encouraged to develop tailored financial products for new consumption scenarios such as digital, green, and intelligent consumption, enhancing service adaptability and convenience [2] - Collaboration with key merchants to offer consumer incentives like cash rebates and discounts is emphasized to better serve social welfare [2] Group 3: Livelihood Benefits - Financial institutions are tasked with assisting local governments in organizing consumption promotion activities and providing value-added services [2] - New insurance products targeting shopping, dining, and travel are being developed to optimize coverage and claims services [3] Group 4: Strengthening Guarantees - Financial institutions will ensure adequate branch operations during holidays to meet basic financial service needs [2] - There is a focus on enhancing payment convenience for specific groups such as the elderly and foreign visitors [3] Group 5: Consumer Rights Protection - The financial regulatory authority will strengthen consumer rights protection by improving product information disclosure and data security [3] - Efforts will be made to promote financial literacy among key demographics, including new citizens and the elderly, to encourage rational consumption [3] Group 6: Future Directions - The financial regulatory authority plans to continue guiding policies that encourage increased resource investment in the consumer sector and enhance the quality of financial services [3]