北京市委十三届七次全会明确提出，"到二〇三五年实现首都功能服务保障能力、综合经济实力、科技 创新实力、城市治理能力、国际影响力大幅提升，城乡区域发展更加均衡，人民生活更加幸福美好，率 先基本实现社会主义现代化"的奋斗目标。 面向"十五五"，北京这座承载千年文脉的古都，正在新时代浪潮中焕发更加蓬勃的生机。扎根北京30余 载的华夏银行，始终心怀"国之大者"，将服务首都发展与践行金融使命深度融合，为首都高质量发展持 续注入金融力量。 紧跟战略部署，服务首都发展 作为总部位于北京的全国性股份制商业银行，华夏银行始终将服务首都发展作为各项工作的重中之重， 积极融入首都"四个中心"功能建设和"四个服务"水平提升，持续为首都经济社会发展提供坚实金融支 撑。 华夏银行紧密围绕"坚持惠民生和促消费、投资于物和投资于人紧密结合""深入实施提振消费专项行 动"政策导向和北京培育建设国际消费中心城市的目标，制定了《支持北京培育建设国际消费中心城市 工作方案》，提出6大创新举措、18项重点任务，全方位助力民生消费提质扩容。 加强信贷支持，激活消费动能 聚焦北京市"3个100"重点工程、市发展改革委重点项目清单，华夏银行以"精准滴灌"的 ...

Core Insights - Guangdong Province is a leading region in China for consumer activity, with a retail sales total of approximately 3.43 trillion yuan in the first three quarters of 2025, reflecting a year-on-year growth of 2.8% [1] - The financial sector plays a crucial role in supporting consumption, as outlined in the "Guangdong Financial Support for Consumption Expansion Action Plan" [1] - The People's Bank of China Guangdong Branch has implemented a "Four Ones" mechanism to enhance financial services in the consumption sector [1][2] Financial Support Mechanisms - A comprehensive work plan has been established to strengthen policy guidance, targeting four consumer groups and launching six special actions to improve financial services [2] - The introduction of structural monetary policy tools has increased credit supply, with nearly 30 billion yuan in loans allocated to various consumer sectors since the establishment of specific loan programs [2][4] - A project subject database has been created to facilitate precise matching between financial institutions and market entities, enhancing the efficiency of financing [2][3] Innovative Financial Products - A credit product library has been compiled to promote financial products related to service consumption and the elderly care industry, with extensive outreach efforts to break down information barriers [3] - Financial institutions are encouraged to innovate products tailored to local industry characteristics, such as "潮玩版权贷" and "民宿贷," addressing financing challenges for creative and tourism sectors [3][6] Cost Reduction and Accessibility - Structural monetary policy tools have been effectively utilized to increase loan volumes while reducing financing costs, benefiting various consumer sectors [4][5] - Financial services have been extended to small and micro enterprises, with innovative products like "市民贷" designed to meet the needs of new citizens and rural residents [5] Support for Emerging Consumption Trends - Financial institutions are guided to develop flexible credit products and payment solutions that align with the rapid growth of service-oriented consumption, such as cultural tourism and health care [6][7] - The integration of financial services with smart home and green consumption initiatives has led to the introduction of products like "绿能家装贷" and "新能源汽车消费贷," stimulating demand in these sectors [7] Future Directions - The focus will be on nurturing new consumption growth points, optimizing the use of structural monetary policy tools, and enhancing cross-departmental collaboration to amplify policy effects [8][9] - Financial institutions will be encouraged to extend services to frontline consumption areas, creating engaging financial promotional activities to stimulate offline consumption [9]

《实施方案》强调，要加大商品消费、文旅体育消费、住宿餐饮消费、家政及养老托育等居民服务消费 支持力度，围绕北京市重点领域、主题活动、特色消费场景和品牌，创新融资模式，加大信贷投放。优 化金融产品和服务，支持消费基础设施和商贸流通体系建设。支持符合条件的消费基础设施发行基础设 施领域不动产投资信托基金。持续落实好北京市中小微企业首次贷款贴息、创业担保贷款等政策，强化 对民营和小微企业、个体工商户等吸纳就业能力强的经营主体金融服务，支持居民就业增收。优化银发 群体消费服务模式，为不同阶段、不同特征老龄群体提供全方位金融服务。聚焦重点消费场景、重点商 圈优化支付服务，提升境外来华人员在京消费服务水平。 提出18项具体措施 近日，人民银行北京市分行、市委宣传部、市委金融办、市发展改革委、市民政局、市财政局、市人力 资源和社会保障局、市商务局、市文化和旅游局、市体育局、北京金融监管局、北京证监局联合印发 《关于金融支持北京市提振和扩大消费的实施方案》（以下简称《实施方案》），提出2030年金融支持 北京市提振和扩大消费总体目标，并从加大重点领域金融支持挖掘消费潜力、完善重点群体配套服务释 放消费需求、提升金融机构服务水 ...

【环球网财经综合报道】为加快建设国际消费中心城市，中国人民银行北京市分行等12部门于11月18日联合印发《金融支持 北京市提振和扩大消费的实施方案》，提出力争到2030年基本建成多元化消费金融服务体系，为消费市场注入强劲金融动 力。北京社科院副研究员王鹏分析认为，该政策覆盖商品消费、文旅体育、养老托育等重点领域，不仅将为消费者带来利率 优惠、违约金减免等切实福利，更通过金融与消费场景的深度融合，有效释放消费市场潜力。 《方案》明确将加大对商品消费的信贷支持力度，成为汽车、家电等大宗消费的直接利好。针对汽车消费，政策鼓励金融机 构合理确定贷款发放比例、期限和利率，并适当减免汽车以旧换新过程中提前结清贷款产生的违约金。同时，引导金融机构 针对首次购买、以旧换新、二手车等不同场景优化创新金融产品，特别是加大对新能源汽车消费的金融支持。在家电及智能 家居领域，消费者可享受消费贷款、信用卡分期费率优惠，金融机构将通过参与商家促消费活动，为消费者适当减费让利。 文旅体育与住宿餐饮消费也将迎来金融创新赋能。依托北京"双奥之城"的优势，《方案》支持金融机构围绕"赛事+"、冰雪 经济等消费场景丰富金融产品，探索开展"门票收益权 ...

宏观日报 | 2025-11-19 关注中游数字化改造进展 数据来源：iFind，华泰期货研究院 行业总览 风险 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页 请仔细阅读本报告最后一页的免责声明 上游：1）黑色：玻璃价格小幅回落。2）农业：鸡蛋价格回升。3）地产：建材价格指数小幅回升。 中游：1）化工：PX开工持续高位，PTA开工回落。2）能源：电厂耗煤量小幅回升。3）基建：沥青开工回落。 下游：1）地产：二、三线城市商品房销售季节性回落。2）服务：国际航班班次小幅回落。 中观事件总览 生产行业： 1）工业和信息化部办公厅印发《高标准数字园区建设指南》，目标到2027年，建成200个左右高标准 数字园区，实现园区规上工业企业数字化改造全覆盖工业互联网应用覆盖园区全部行业，规上工业企业数字化改 造覆盖率达100%。数字基础设施支撑作用显著增强，双千兆网络覆盖率达100%，算力基础设施实现有效部署和应 用，数据开放共享、安全保障水平显著提升。 服务行业： 1）中国人民银行北京市分行等12部门印发《金融支持北京市提振和扩大消费的实施方案》。其中提出， 加大债券市场融资支持力度。支持符合条件的 ...

11月18日，中国人民银行北京市分行等12部门印发 《金融支持北京市提振和扩大消费的实施方案》 。 以下是全文： 金融支持北京市提振和扩大消费的实施方案 争到2030年 北京市消费领域金融服务水平进一步提升 ，北京市住宿餐饮、文旅体育、教育、居民服务等服务消费和养老产业贷款余额持续增 长、信贷投放力度不断加大，个人消费金融服务质效不断提升，金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服务体 系基本建成。 为深入贯彻党中央、国务院关于大力提振消费的决策部署，落实《关于金融支持提振和扩大消费的指导意见》（银发〔2025〕122号）文件以 及北京市委市政府工作要求，围绕助力国际消费中心城市建设，强化北京市商品消费和服务消费金融供给，更好满足北京市消费领域金融服 务需求，推动大力提振消费，制定本方案。 一、总体目标 以习近平新时代中国特色社会主义思想为指导，深入贯彻落实党的二十大和二十届二中、三中、四中全会及中央经济工作会议精神，完整、 准确、全面贯彻新发展理念，不断完善金融服务体系，提升金融服务能力，聚焦消费重点领域和环节加大金融支持力度。力争到2030年北京 市消费领域金融服务水平进一步提升，北京 ...

Core Insights - The implementation plan aims to enhance and expand consumption in Beijing, targeting a diversified consumer finance service system by 2030, which will inject financial vitality into the city's development as an international consumption center [1][3] - The plan includes specific measures to support consumer credit for major purchases like automobiles and home appliances, providing benefits such as interest rate reductions and waiver of penalties for early loan settlements [1][2] Group 1: Consumer Financing Support - The plan emphasizes increasing credit support for goods consumption, particularly in the automotive sector, by establishing reasonable loan issuance ratios, terms, and interest rates [1] - Financial institutions are encouraged to innovate financial products tailored to various car purchasing scenarios, including first-time buyers and trade-ins, with a focus on new energy vehicles [1][2] - Consumers in the home appliance and smart home sectors will benefit from favorable rates on consumer loans and credit card installments, with financial institutions participating in promotional activities to reduce costs for consumers [1] Group 2: Cultural and Sports Consumption - The plan supports financial innovation in the cultural and sports sectors, leveraging Beijing's "Double Olympic City" advantage to enrich financial products around events and the ice and snow economy [2] - Financial institutions are encouraged to collaborate with cultural and hospitality businesses to offer diverse promotional activities, such as discounts and credit card rewards [2] - The initiative aims to develop unique cultural and dining districts in key urban areas to enhance consumer experiences [2] Group 3: Employment and Entrepreneurship Support - The plan highlights the importance of job creation as a foundation for consumption growth, with measures to support small and micro enterprises through interest subsidies on initial loans [2] - It emphasizes the implementation of entrepreneurial guarantee loan policies and seeks to secure central government funding to support eligible individuals and businesses [2] Group 4: Financing System Development - The plan outlines a multi-faceted financing system involving credit, bonds, and equity to support quality enterprises in the consumption industry through public listings and other financing methods [3] - It encourages social capital investment in key service consumption areas and promotes private equity and venture capital investments in early-stage companies [3] - Financial institutions are supported in issuing financial bonds to expand consumer credit scale and are encouraged to collaborate with social and live e-commerce platforms to meet financing needs [3]

Core Viewpoint - The People's Bank of China and 12 other departments have issued a plan to enhance and expand consumption in Beijing, aiming to establish a diversified consumer finance service system by 2030, which will support the city's development as an international consumption center [1][2]. Group 1: Consumer Finance Support - The plan emphasizes increasing credit support for commodity consumption, particularly benefiting large purchases like automobiles and home appliances [1]. - For automotive consumption, the policy suggests reasonable determination of loan issuance ratios, terms, and interest rates, along with waiving penalties for early loan settlements during trade-in processes [1]. - Financial institutions are encouraged to innovate financial products tailored to various car purchasing scenarios, especially for new energy vehicles [1]. Group 2: Cultural, Tourism, and Sports Consumption - The plan supports financial institutions in developing diverse financial products around events and the ice and snow economy, including exploring financing models like "ticket revenue rights pledge" [2]. - In the dining sector, the plan promotes collaboration between financial institutions and hospitality businesses to offer various discounts and rewards, enhancing consumer engagement [2]. - It aims to create distinctive cultural and tourism consumption districts and dining clusters in key urban areas [2]. Group 3: Employment and Entrepreneurship Support - The plan highlights the importance of employment growth as a foundation for consumption increase, focusing on providing financial services to small and micro enterprises and individual businesses [2]. - It includes measures for interest subsidies on initial loans for small businesses and encourages entrepreneurship through guaranteed loans and central financial support [2]. Group 4: Financial Supply-Side Reform - The plan aims to construct a diversified financing system encompassing credit, bonds, and equity, supporting quality enterprises in the consumer industry to raise funds through listings and other means [3]. - It encourages social capital investment in key service consumption sectors and promotes private equity and venture capital investments in early-stage companies [3]. - Financial institutions are supported in collaborating with social and live e-commerce platforms to meet the financing needs of merchants and consumers [3]. Group 5: Long-term Impact - The plan is designed to stimulate short-term consumption while focusing on long-term system construction, expected to lower financing costs and invigorate the consumption market [3]. - As the measures are implemented, consumers will benefit from more convenient and favorable financial services, while consumption enterprises will receive increased funding support [3].

总体目标方面，实施方案提出，力争到2030年北京市消费领域金融服务水平进一步提升，北京市住宿餐 饮、文旅体育、教育、居民服务等服务消费和养老产业贷款余额持续增长、信贷投放力度不断加大，个 人消费金融服务质效不断提升，金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服 务体系基本建成。 实施方案明确，加大商品消费信贷支持力度。积极开展汽车贷款业务，合理确定贷款发放比例、期限和 利率，适当减免汽车以旧换新过程中提前结清贷款产生的违约金。引导金融机构针对首次购买、以旧换 新、二手车等不同购车场景优化创新金融产品，加大对汽车特别是新能源汽车消费的金融支持力度。鼓 励金融机构积极满足家电以旧换新、绿色智能家居家装、电子产品等领域消费金融需求，通过多种形式 参与商家促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 在扩大消费供给方面，实施方案提出，发挥信贷支持主渠道作用。辖内各银行、消费金融公司、汽车金 融公司等金融机构要找准自身功能定位，发挥自身优势，为消费领域提供差异化、特色化、便捷化的金 融服务。鼓励辖内银行加大对服务消费领域内部资金转移定价支持，创新优化服务消费领域信贷产品， ...

Group 1 - The core viewpoint of the news is the implementation of a financial support plan by the People's Bank of China and 12 other departments to boost and expand consumption in Beijing, aiming to establish a diversified consumer finance service system by 2030 [1][3] - The plan includes significant support for consumer credit, particularly in large purchases such as automobiles and home appliances, with measures like loan term adjustments and fee reductions for early loan settlements [1][2] - The initiative emphasizes the integration of finance with consumption scenarios, aiming to unlock the potential of the consumer market through various financial products tailored for different purchasing situations [1][3] Group 2 - The plan encourages financial innovation in the cultural, tourism, and sports sectors, promoting diverse discount activities and the development of unique consumption districts in Beijing [2] - Employment growth is highlighted as a foundational support for consumption increase, with measures to provide financial services to small and micro enterprises, enhancing their capacity to create jobs [2][3] - The financial supply-side reform aims to establish a multi-faceted financing system involving credit, bonds, and equity, facilitating capital access for quality enterprises in the consumer industry [3]