金融支持扩大内需结构性问题值得关注

Group 1 - The article highlights a "temperature difference" between macro data and micro perceptions, indicating structural issues in financial support for expanding domestic demand that need systematic resolution [1] - For residents, the financial support mechanism to promote consumption is not yet well-established, with a significant increase in demand for short-term consumer loans, while banks struggle to meet this demand [1] - The article notes that consumer financial products are highly homogeneous, lacking differentiated risk pricing mechanisms and credit tools that align with upgraded consumption areas such as education, healthcare, and tourism [1] Group 2 - For enterprises, there remains a gap in the supply of medium to long-term funds necessary for effective investment, as banks prefer to provide short-term working capital loans [1] - This structural mismatch in funding duration raises the overall financing costs for enterprises and leads to short-term investment decision-making, creating a gap between enterprises' willingness, ability, and effectiveness to invest [1] - Financial institutions face dual challenges of narrowing net interest margins and rising pressure from non-performing assets, impacting their ability to serve long-tail customer segments in consumer credit, small business loans, and technology innovation loans [1]