高效、精准、便捷 金融“活水”润泽消费“沃土”为假日经济添动能

Core Viewpoint - The Chinese government is promoting financial institutions to enhance innovation in financial products and services during the Spring Festival, focusing on key consumer areas to provide efficient and convenient financial services [1] Group 1: Consumer Loan Support - Financial institutions are encouraged to increase personal consumption loan issuance, determining reasonable loan issuance ratios, terms, and interest rates to support the replacement of durable consumer goods such as automobiles, home appliances, and home renovations [3] - The development of comprehensive grading systems for insurance models is being accelerated to effectively promote automobile consumption [3] Group 2: Service Consumption Enhancement - There is a push to develop commercial insurance annuity products that combine elderly risk protection and wealth management functions, as well as commercial medical insurance that benefits chronic disease patients and the elderly [5] - The development of commercial long-term care insurance is being strongly promoted, alongside optimizing financial service models in cultural tourism, sports, entertainment, and education sectors to stimulate service consumption [5] Group 3: New Consumption Models - Financial institutions are encouraged to broaden online financial support channels for consumption, collaborating with merchants to develop financial products and services that cater to new consumption characteristics [7] - Support is being provided for the development of digital consumption, experiential consumption, smart consumption, and customized consumption models [7]