8月13日，国新办举行新闻发布会，介绍个人消费贷款贴息政策和服务业经营主体贷款贴息政策有关情 况。 财政部副部长廖岷介绍，个人消费贷款贴息政策直接惠及广大人民群众，是中央财政首次对个人消费贷 款进行贴息。制定个人消费贷款和消费领域的服务业经营主体贷款两项贴息政策，目的是要通过进一步 强化财政和金融协同，撬动更多信贷资金精准投向消费领域，降低居民和经营主体的信贷成本，在保障 和改善民生的同时，通过提振消费畅通经济循环。 激发消费潜力 8月12日，财政部联合中国人民银行、金融监管总局等相关部门发布《个人消费贷款财政贴息政策实施 方案》和《服务业经营主体贷款贴息政策实施方案》，通过财政和金融联动，支持促消费、扩内需。 廖岷介绍，个人消费贷款贴息政策贴息对象为居民使用的相关贷款经办机构个人消费贷款中实际用于消 费的部分，包括单笔5万元以下日常消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文 化旅游、家居家装、电子产品和健康医疗等重点领域消费，贴息比例为1个百分点，大体为当前商业银 行个人消费贷款利率水平的1/3，政策实施期为1年。 这两项贴息政策有利于激发消费潜力，提升市场活力，但同时，社会非常关心享受政 ...

Core Viewpoint - The Chinese government has introduced two subsidy policies for personal consumption loans and service industry loans to stimulate consumption and expand domestic demand, reflecting the government's commitment to enhancing consumer spending [1][2]. Group 1: Policy Details - The two subsidy policies are the "Personal Consumption Loan Subsidy Policy" and the "Service Industry Operating Entity Loan Subsidy Policy," which aim to support consumption and reduce credit costs for residents and businesses [1][2]. - The subsidy for personal consumption loans is set at 1%, which could potentially leverage 100 times the amount in loans for consumer spending [2]. - The subsidy period for both policies is one year, with a focus on various consumer needs, including daily expenses and significant purchases like home appliances and vehicles [2]. Group 2: Economic Impact - The policies are designed to enhance the vitality of the consumption market, particularly in the service sector, by addressing both demand and supply sides [1][3]. - Service consumption in China has significant growth potential, with per capita service consumption expenditure expected to reach 46.1% of total consumption by 2024, contributing 63% to the growth of consumer spending [3][4]. - The policies aim to improve the quality of service supply to meet the diverse and personalized needs of consumers, thereby promoting overall economic stability [5][6]. Group 3: Implementation and Oversight - The policies emphasize broad coverage and low thresholds for access, ensuring that the application process is straightforward and efficient for consumers [6][7]. - Financial institutions are required to adhere to strict regulatory measures to ensure the proper use of subsidy funds and protect consumer rights [7][8]. - The People's Bank of China is guiding financial institutions to enhance the integration of consumption scenarios and improve the attractiveness of consumer financial products [8].

Core Viewpoint - The event "潮味年货节" in Humen aims to promote consumption and enhance the local economy by providing a vibrant shopping and cultural experience for citizens and tourists during the New Year period [1][13]. Group 1: Event Overview - The event took place from January 3 to 5, transforming the Humen Junlehui Shopping Center into a lively marketplace with various activities to attract visitors [1]. - Organized by the Humen Town People's Government, the event aligns with national and local policies to stimulate consumer spending and meet the public's demand for a better life [1]. Group 2: Product Offerings - The event featured a wide array of traditional New Year goods, including local specialties such as white sand oil duck, unique cured meats, and traditional sweets, providing a comprehensive shopping experience for attendees [3]. - Numerous well-known local brands and large retailers participated, offering diverse choices for consumers [3]. Group 3: Promotions and Engagement - The event included exciting welfare activities, such as offline lottery draws for shopping vouchers and online distribution of consumption coupons, enhancing consumer engagement [5]. - Special New Year discount packages were offered in collaboration with various shopping districts and merchants, allowing citizens to enjoy savings while preparing for the New Year [5]. Group 4: Cultural Activities - An interactive area was set up for citizens to engage with traditional culture, featuring calligraphy demonstrations and DIY experiences for making New Year decorations [8]. - The event showcased performances, including a New Year concert and lion dance, creating a festive atmosphere and allowing for community interaction [9]. Group 5: Community Impact - Participants expressed satisfaction with the event, highlighting the enjoyment of local delicacies and cultural experiences, indicating a positive impact on community engagement and local tourism [11]. - The event not only served as a shopping festival but also as a platform for cultural heritage, blending local customs with consumer activity, thus contributing to the economic vitality of Humen [13].

Economic Growth Targets - The nominal GDP growth target during the 14th Five-Year Plan period is set at no less than 5.5% to ensure the achievement of the 2035 vision goal[1] - To reach the 2035 goal of per capita GDP at the level of a moderately developed country, nominal GDP growth must average at least 5.4% over the next decade[1] - The average nominal GDP growth over the past eight quarters was only 4.2%, indicating a gap from the medium- to long-term target[1] Inflation and Economic Growth - The key to recovering nominal GDP growth lies in the price level; if the GDP deflator returns to the average level of 1.7% from 2012 to 2025, nominal GDP growth could reach 6.1%[1] - The GDP deflator averaged -0.9% over the past eight quarters, with a significant negative growth in service prices, necessitating a boost in consumer demand to recover service prices[1][2] Long-term Economic Strategy - The long-term economic growth strategy consists of three levels: the highest is the "three-step" strategy, the middle is the doubling target, and the lowest is the annual growth target[1] - Achieving the doubling target requires an average annual growth rate of 4.4% from 2020 to 2035, with a projected average growth rate of 5.4% for 2021-2025[1] Risks and Considerations - Risks to achieving the 2035 goals include potential long-term appreciation of the RMB against the USD, which could enhance the dollar-denominated per capita GDP[2] - Changes in real estate, consumption, exports, and population dynamics could significantly impact future economic growth and price levels[2]

Core Viewpoint - The Chinese government is implementing personal consumption loan interest subsidies and service industry loan interest subsidies to stimulate domestic consumption and economic growth, marking a significant shift in fiscal and financial policy focus towards enhancing people's livelihoods and promoting consumption [1][2]. Group 1: Policy Implementation - The Ministry of Finance, in collaboration with other departments, has released the "Implementation Plan for Personal Consumption Loan Interest Subsidy Policy" and the "Implementation Plan for Service Industry Loan Interest Subsidy Policy" to support consumption and expand domestic demand [1]. - These subsidy policies aim to leverage fiscal and financial cooperation to direct more credit towards the consumption sector, thereby reducing credit costs for residents and businesses [1][2]. Group 2: Innovation and Efficiency - This is the first time at the central government level that interest subsidies are being applied to personal consumption loans and service industry loans, which has been described as a new "national subsidy" in the consumption loan sector [2]. - The subsidy approach is noted for its precision, greater support for consumption, broader coverage, and more efficient processes [2]. Group 3: Future Outlook - The Ministry of Finance plans to continuously refine these policies based on experience and aims for them to effectively meet consumer demand while also integrating with existing policies like the consumer trade-in subsidies [2]. - The government emphasizes the importance of these policies in making domestic consumption a primary driver of national economic growth [2].

Group 1 - The core objective of the new personal consumption loan interest subsidy policy and service industry loan interest subsidy policy is to stimulate consumption and expand domestic demand through financial and fiscal collaboration [3][5] - The policies aim to reduce credit costs for residents and business entities, thereby enhancing the overall economic cycle while improving people's livelihoods [3][5] - The implementation of these policies is designed to be straightforward, with minimal barriers for consumers and service providers, covering a wide range of essential consumption scenarios [5] Group 2 - The policies are expected to address the increasingly diverse and multi-layered consumption demands of the public, focusing on both the demand and supply sides of consumption [5] - The timing of the policy rollout coincides with peak consumption periods such as summer vacations and upcoming traditional holidays, which is anticipated to boost consumer spending [5] - The Ministry of Finance will collaborate with relevant departments to ensure effective implementation and maximize the policies' impact on enhancing consumer services and meeting the growing needs of the public [5]

8月11日晚，由黑龙江省商务厅与七台河市人民政府联合主办的"购在龙江·食在龙江"全省夜经济促消费活动启动仪式在七台河市桃山区步行街举办。 启动仪式上，美团发布重点促消费活动及资源支持方案;黑龙江省数字商务协会、黑龙江省诚信建设促进会、黑龙江省酒类流通协会登台分享促消费资源 支持举措与行业发展蓝图;金融机构及零售、餐饮等企业同步开展现场推介，优惠福利送不停。 此外，哈尔滨市中华巴洛克传统商市历史文化街区、哈尔滨市南岗商业步行街及北安市南京路步行街获授"黑龙江省级商业步行街(商圈)"称号。七台河市 同步为本地十大名店、名小吃、名菜、名厨集中授牌。 本次活动采取"线上+线下"融合方式开展。线下40个特色展位商品丰富、互动多彩，吸引市民驻足，氛围热烈;线上依托龙江云展会平台打造"购在龙江·食 在龙江"主题专场，近百种特色展品集中展示，浏览量破10万次。活动期间，全省13个市(地)将结合本地消费特点，同步组织开展形式多样、内容丰富的 配套活动，形成"统一时间、统一主题"全域联动的消费矩阵，通过"线下聚人气、线上升热度"同频发力，最大限度释放黑龙江消费潜力。 活动现场 下一步，黑龙江省商务厅将会同有关部门持续加大夜经济培 ...

费领域的服务水平，为居民获得高品质的商品与服务提供便利。二是坚持简单易行。两项政策不设繁琐的 门槛、不搞复杂的操作，力求惠及广大人民群众生活和经营主体经营所需，贴息测算和申请等工作主要由 贷款经办机构完成，这样能最大程度地便利借款人。三是坚持贴近生活。政策支持范围广泛覆盖涉及居民 衣食住行的主要消费场景和消费种类，贴息额度综合考虑了城乡居民家庭收入和支出状况，有助于支持普 通老百姓日常生活的部分开支。四是坚持市场化、法治化运作。两项政策均明确要求经办机构要按照市场 化、法治化的原则开展授信评审、贷后管理，严格执行各项信贷监督管理制度规定，强化信贷资金用途管 理和风险管控。五是坚持部门的协作。两项政策实行全流程管理，中央和地方相关部门各司其职，严格把 好资金的审核、拨付等关口，确保政策的执行效果。 廖岷表示，当前人民群众的消费需求日益呈现出多层次、多样化的特点。两项贴息政策分别从消费的需求 端和供给端来发力，将财政金融政策的着力点更多转向惠民生、促消费。现在也正值暑期，大家旅游度 假、休闲消暑、影视打卡、学习充电等消费需求旺盛。接下来还有中秋佳节、"十一"黄金周，都是传统的 消费旺季，希望这项政策能够对人民群众 ...

今天上午，国务院新闻办公室举行新闻发布会，财政部、商务部、中国人民银行、金融监管总局有关负责人介绍了个人消费贷款贴息政策和服务业经营主 体贷款贴息政策有关情况。财政部副部长廖岷表示，两项贴息政策在设计过程中，坚持了五方面原则，并且兼顾了消费的需求端和供给端。 财政部副部长 廖岷： 一是坚持服务消费群体和经营者。两项政策直接惠及消费者个人和消费服务的供给方，通过降低信贷成本、提高政策覆盖面等措施，为提升消费领域服务 水平，使居民获得高品质的商品与服务提供便利。 二是坚持简单易行。两项政策不设烦琐的门槛、不搞复杂操作，力求惠及广大人民群众生活和服务业经营主体经营所需，贴息测算和申请等工作主要由贷 款经办机构完成，最大程度便利借款人。 三是坚持贴近生活。政策支持范围广泛覆盖涉及居民衣食住行的主要消费场景和消费品类，贴息额度综合考虑了城乡居民家庭收入和支出状况，有助于支 持普通老百姓日常生活的部分开支。 四是坚持市场化、法治化运作。两项政策均明确要求经办机构要按照市场化、法治化的原则开展授信评审、贷后管理，严格执行各项信贷监督管理制度规 定，强化信贷资金用途管理和风险管控。 五是坚持部门的协作。两项政策实行全流程管理 ...

Group 1 - The Ministry of Finance is implementing personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to stimulate demand and supply in the economy [1] - The focus of fiscal and financial policies is shifting towards improving people's livelihoods and promoting consumption [1] - The Ministry of Finance will collaborate with relevant departments to effectively implement these measures, aiming to enhance consumer spending and service levels in the service industry [1]