"服务消费领域的市场主体轻资产特点明显，养老产业领域的企业本身投资周期长且存在抵质押物不足 的问题。再贷款的方式有助于降低金融机构的资金成本，也有助于丰富服务消费和养老领域主体的资金 来源，推动行业高质量发展。"中国邮政储蓄银行研究员娄飞鹏在接受《金融时报》记者采访时表示。 政策工具及时精准有效落地 1.2亿元养老产业贷款近日成功发放至重庆垫江泰泽城市运营管理有限公司（以下简称"泰泽公司"）的 账户。"这笔贷款就像一场及时雨，将有力推动公司养老服务水平再上新台阶。"公司负责人充满信心地 说，"新建升级的服务体系，将让当地老年人享受到更加优质、便捷的养老服务，切实提升他们的生活 幸福感。" 据了解，服务消费与养老再贷款政策出台后，中国人民银行重庆市分行推动全市金融机构对养老产业链 上下游企业开展深度走访与全面摸排，及时掌握企业需求，找准政策落地着力点。在此过程中，泰泽公 司的融资需求得到关注。 随即，农业银行垫江支行与该企业进行精准对接，及时为该公司养老设施新建升级、专业服务团队扩充 以及智能化养老服务体系搭建等项目解决资金缺口问题。 "相较于通过传统手段拉动内需的做法，服务消费与养老再贷款工具在机制设计和导向 ...

【导读】中国人民银行副行长邹澜：继续实施好适度宽松的货币政策 中国基金报记者 晨曦 7月14日，国务院新闻办公室举行新闻发布会。中国人民银行副行长邹澜介绍2025年上半年 货币信贷政策执行及金融统计数据情况，并答记者问。 同期公布的央行数据显示，2025年上半年社会融资规模增量累计为22.83万亿元，比上年同 期多4.74万亿元。上半年人民币贷款增加12.92万亿元，人民币存款增加17.94万亿元。 基金君总结以下重要看点： • 2020年以来，1年期和5年期以上LPR分别下降115和130个基点 邹澜表示，从国际对比看，近年持续多次降准降息，货币政策的状态是支持性的，政策效果 也在不断累积。2020年以来，人民银行已累计降准12次；累计下调政策利率9次，带动1年期 和5年期以上贷款市场报价利率分别下降115个和130个基点。 • 2025年1 — 6月新发放企业贷款加权平均利率 约 为3.3% 据邹澜介绍，社会综合融资成本低位下行。今年1 — 6月新发放企业贷款加权平均利率约为 3.3%，比去年同期低约45个基点；新发放个人住房贷款利率约3.1%，比上年同期低约60个 基点。 • 继续实施好适度宽松的货币政 ...

7月8日，在博乐市和瑞源商贸有限公司仓库内，各类饮品、奶制品琳琅满目，工作人员有条不紊地装载货物，满载的货车即将发往博州各地。 市民在镜湖华庭商业街夜市聚会、聊天。（资料图） 数据显示，截至今年5月末，博州住宿餐饮贷款余额同比增长14.39%，金融支持成效逐步显现。 岳进的经历，正是博州落实服务消费与养老再贷款政策的生动缩影。今年，中国人民银行设立5000亿元服务消费与养老再贷款，重点支持住宿餐饮、文体 娱乐、教育等服务消费领域及养老产业，引导金融机构加大投放力度。 新疆天莱香牛食品有限责任公司生产车间，员工在流水线上作业。（资料图） 政策一出，中国人民银行博州分行迅速行动，召开推进会强化政策宣传，联动博州发改委、博州文体广旅局、博州民政局等部门建立项目清单，推动金融 机构精准开展项目储备、对接走访和贷款营销，以高效金融服务助力相关产业发展。 在政策激励下，博州金融机构纷纷发力。中国工商银行博州分行结合企业信用与经营状况，为温泉县某康养中心发放信用贷款，用于住宿项目装修，提升 当地接待能力；中国建设银行博州分行为博乐市某餐厅发放个体工商户经营快贷，支持食材采购与周转，助力提升餐饮品质；中国邮储银行博州分行为第 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of the "service and elderly re-loan" policy introduced by the central government, which aims to stimulate consumption and support the elderly economy through targeted financial assistance [1][5] - A total of 500 billion yuan has been allocated for this loan initiative, with various sectors such as accommodation, catering, cultural and entertainment, and education receiving financial support [1] - The policy is designed to address the structural needs of the economy by providing low-cost, long-term liquidity to banks, encouraging them to focus on service consumption and elderly care sectors [1][4] Group 2 - Despite the positive outlook, there are significant shortcomings in the service consumption and elderly care sectors, including a lack of high-end and specialized supply, urban-rural disparities, and insufficient facilities [2] - Banks are encouraged to extend their credit services to these sectors, which presents a commercial opportunity while also requiring careful risk management due to the immature profit models and potential credit risks involved [2][3] - The articles suggest that banks should adopt a proactive approach in expanding their loan offerings while maintaining strict risk assessment and management practices to ensure the safety and reliability of loans [3][4] Group 3 - Recommendations for banks include developing specialized credit assessment systems for industries with public welfare attributes, enhancing collaboration with government and industry platforms to mitigate project risks, and utilizing digital tools for risk monitoring [4] - The articles highlight the need for banks to balance loan expansion with risk prevention, ensuring that service consumption and elderly loans can effectively contribute to economic growth and the development of the elderly economy [5]

Core Viewpoint - The establishment of service consumption and elderly care re-loans is a significant measure to stimulate consumption growth and provide financial support for the service consumption and elderly care industries [1][2]. Group 1: Financial Support and Policy Implementation - The service consumption and elderly care re-loan has a total quota of 500 billion yuan, with an interest rate of 1.5% and a maximum term of 3 years [2]. - The People's Bank of China and six other departments emphasize the need for financial support to boost service consumption, particularly in light of the increasing aging population [2][3]. - Financial institutions are encouraged to provide loans to key areas of service consumption and elderly care, which will help reduce funding costs and enhance the financial support available to these sectors [2][3]. Group 2: Impact and Progress - As of mid-June, financial institutions in Yunnan Province have issued over 1 billion yuan in loans under the service consumption and elderly care re-loan policy, supporting more than 300 businesses [3]. - The China Bank's Shandong branch has issued 64 loans totaling 730 million yuan in support of service consumption and elderly care [3]. - The re-loan initiative is expected to alleviate financing difficulties for businesses in the service consumption and elderly care sectors, contributing positively to economic growth [3][4]. Group 3: Targeted Sectors and Loan Distribution - The re-loan program covers various key areas, including accommodation and catering, cultural, sports and entertainment, education, and elderly care industries [4][5]. - Specific examples include a 10 million yuan loan to a restaurant in Beijing and a 1.9 million yuan loan to a smart elderly care technology service company [4][5]. - The program aims to provide low-cost, long-term funding support to enterprises in the service consumption sectors, addressing their diverse financial needs [5].

生产行业：新能源车下游消费推广。 1）商务部办公厅发布关于组织开展2025年千县万镇新能源汽车消费季活动 的通知。活动内容中提到，统筹汽车以旧换新、汽车流通消费改革试点等重点工作和"购在中国"系列活动安排， 充分发挥地方、行业协会、企业等作用，坚持"政策+活动"双轮驱动，加强新能源汽车供需对接、新品发布，推动 完善县乡地区新能源汽车购买使用环境，助力新能源汽车下乡。 宏观日报 | 2025-06-25 化工中游开工率季节性下行 中观事件总览 行业总览 市场定价：全行业信用利差近期小幅回落。 风险 服务行业：退休金无需缴纳个人所得税。 1）六部门联合印发《关于金融支持提振和扩大消费的指导意见》。其中 提出，强化结构性货币政策工具激励。设立服务消费与养老再贷款，额度5000亿元，对21家全国性金融机构以及5 家属于系统重要性金融机构的城市商业银行发放的服务消费重点领域贷款，可按照贷款本金的100%申请再贷款。2） 6月24日，北京市税务局12366纳税缴费服务热线回应纳税人咨询，表示退休金无需缴纳个人所得税。 数据来源：iFind，华泰期货研究院 经济政策超预期，全球地缘政治冲突 2025年期货市场研究报告 第1 ...

Group 1 - The government has announced a significant initiative involving a 500 billion yuan loan aimed at boosting service consumption and the elderly care industry, providing substantial financial support for daily living and elder care services [1][3] - This "re-loan" mechanism allows banks to receive funds from the government, enabling them to offer more favorable loans to businesses in the service consumption and elderly care sectors, thus enhancing consumer experiences and service quality [3][4] - The initiative is expected to lead to improvements in various service sectors, such as entertainment and family activities, as businesses can invest in better facilities and creative projects due to access to low-interest loans [3][4] Group 2 - The elderly care industry is set to benefit significantly from this funding, allowing for the modernization of facilities and the introduction of new services, such as smart care systems and community nutrition programs [3][4] - The government has established oversight mechanisms to ensure that the funds are utilized effectively within the targeted sectors, preventing misuse and ensuring that the financial support translates into tangible improvements for consumers [3][4] - Overall, this initiative is positioned as a "super buff" for consumers, enhancing spending experiences and providing peace of mind for families regarding elder care, with expectations of noticeable changes in the near future [4]

Group 1 - The People's Bank of China announced the establishment of 500 billion yuan to support service consumption and the elderly care industry, with financial institutions in Xinjiang actively implementing this initiative [1] - Xinjiang financial institutions are developing specialized credit products to promote the development of related industries, such as the Agricultural Bank of China's "Merchant e-loan" with a maximum limit of 5 million yuan, which has issued 1.069 billion yuan in loans to support over 1,900 merchants [1] - The Industrial and Commercial Bank of China in Xinjiang launched digital inclusive financing products, focusing on supporting infrastructure construction in key tourist areas, with total loans exceeding 800 million yuan [1] Group 2 - The People's Bank of China in Xinjiang is enhancing cross-border payment and foreign currency exchange services, including the establishment of foreign currency exchange windows and self-service exchange machines for various currencies [2] - A cross-departmental coordination mechanism has been established to reduce financing costs and risks, integrating policy resources to enhance financial service supply capabilities [2]

Group 1 - The Bank of China Beijing Branch has issued a preferential loan of 10 million yuan to a local restaurant, marking it as one of the first banks in Beijing to successfully allocate loans under the service consumption and elderly re-loan policy [1] - The People's Bank of China established a 500 billion yuan service consumption and elderly re-loan fund to encourage financial institutions to increase support for key areas of service consumption and the elderly industry [1] - Since May, the Bank of China Beijing Branch has actively responded to the policy by forming a special task force to tailor financial service plans for enterprises in need, enhancing their internal development capabilities [1] Group 2 - The restaurant that received the loan had previously faced cash flow issues due to market fluctuations, but after receiving the funds, it successfully completed ingredient procurement and equipment upgrades, leading to a steady increase in daily revenue [2] - The Bank of China Beijing Branch has provided 131 million yuan in loans to the restaurant industry and a total of 340 million yuan to the service consumption sector, significantly alleviating the financing difficulties faced by private and small enterprises [2] - Looking ahead, the Bank of China Beijing Branch plans to strengthen communication with relevant industry authorities and continue to leverage the policy opportunities to enhance financial support and innovate financial products and services [2]

近日，中国工商银行吉林省分行在吉林省人民银行指导下，成功向省内某重点高校发放贷款。这是中国 人民银行设立服务消费与养老再贷款新政后，吉林工行在教育领域落地的首笔融资业务，标志着该行在 支持消费与养老产业升级的新赛道上迈出关键一步。 政策响应：从中央部署到地方实践的高效联动 4月25日，中央经济工作会议提出设立服务消费与养老再贷款政策框架；5月9日，中国人民银行印发 《关于设立服务消费与养老再贷款有关事宜的通知》，激励引导金融机构加大对住宿餐饮、居民服务、 教育、文体娱乐及养老产业的支持力度。吉林工行迅速响应，主动对接域内重点客户，并加速推进贷款 审批发放流程，于5月14日实现首笔教育领域贷款精准投放。 本次获得贷款的高校是吉林省高等教育领域的标杆单位，先后被吉林省教育厅确定为专业硕士立项建设 单位，被教育部评为吉林省转型发展示范高校、吉林省本科人才培养改革示范高校，综合实力稳居"中 国顶尖应用型大学"行列。贷款资金将专项用于该校学科建设、人才培养及产学研融合项目，进一步强 化其在应用型人才培养领域的示范效应，为吉林省消费与养老产业输送更多专业技术人才，推动产业服 务能级提升。 高校赋能：金融"活水"注入教育示 ...