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立方财评 | 提振消费要打好“政策组合拳”
Sou Hu Cai Jing· 2025-06-17 08:47
□大河财立方 记者 徐兵 入夏以来,从龙虾节到露营节,从啤酒节到美食节,各地消费活动热度持续攀升,不只是夏夜烟火气的 回归,更是中国消费市场持续恢复、升级提速的鲜明写照。在此背景下,河南、福建、广东等地相继出 台提振消费专项行动方案,围绕稳就业、促增收、扩内需,释放出强烈的政策信号:消费不仅是经济增 长的重要引擎,更是畅通国内大循环的关键环节。 当前消费结构正在发生深刻变化,从吃穿用到托育养老、从商品购买到服务体验,消费升级趋势日益明 显。广东发放托育券、福建鼓励发放结婚消费券,河南打造"跟着赛事去旅行""跟着微短剧去旅游"的文 旅新场景,这些举措都集中指向服务消费的培育与壮大。服务消费的快速扩容,不仅关乎经济数字的增 长,更映射出城镇化进程中居民日常生活方式的深层变迁。 面对新的消费趋势,政策工具也在持续创新与升级。从直接补贴到结构性减税,从消费券发放到社保补 贴,从贷款贴息到带薪休假,各地政府正在通过多重路径激活消费动力。广东对符合条件的消费贷款给 予财政贴息,上海、贵州推动文旅、养老等项目通过基础设施REITs获得融资支持,海南鼓励探索春秋 假弹性休假机制……这些举措共同构建起更加系统、更有协同性的促消 ...
广州楼市要出“狠招”!下一个是谁?
3 6 Ke· 2025-06-16 03:12
6月12日,广州市商务局就《广州市提振消费专项行动实施方案(征求意见稿)》公开征求意见(以下简称《方案》)。该方案从制定8大政策方案,激发 消费市场活力,扩大消费需求。《方案》有哪些值得家居行业关注的要点、将带来哪些产业利好?本期,家居新范式为大家一一梳理。 房地产方面:《方案》提出"有序减少消费限制"。其中,优化房地产政策,全面取消限购、限售、限价,降低贷款首付比例和利率,更好满足住房消费需 求。 老旧小区改造方面:《方案》提出"更好满足住房消费需求"。扎实推进城中村及老旧小区改造,2025年计划推进新开工老旧小区改造超150个,更新住宅 老旧电梯超9000台,完成城中村改造固定资产投资1000亿元。 推进利用专项借款购买存量商品房作为安置房。持续优化住房公积金使用政策,支持缴存人在提取住房公积金支付购房首付款的同时申请住房公积金个人 住房贷款,进一步优化租房提取政策措施。 银发经济方面:《方案》提出"创新发展银发经济"。其中,积极推动实施居家适老化改造"焕新"活动,推广便捷可及的居家社区养老服务,激发养老服务 消费。 以旧换新方面:《方案》提出"加力扩围实施消费品以旧换新"。用好消费品以旧换新资金,结合产 ...
【宝鸡】以旧换新带动消费升级
Shan Xi Ri Bao· 2025-06-16 00:12
Group 1 - The core viewpoint of the articles highlights the efforts of Baoji City to boost consumer spending through various policies, particularly focusing on the "trade-in" program for consumer goods, which has led to significant market activity and growth in consumption [1][2] - As of May 15, Baoji City has sold 223,200 units of trade-in eligible consumer goods, with a subsidy fund of 209 million yuan, driving a total consumption of 1.482 billion yuan [1] - The automotive sector has seen a notable increase in trade-in activities, with a significant proportion of consumers opting to replace their vehicles during the "May Day" holiday, indicating a shift towards green and intelligent consumption [1] Group 2 - In the realm of new energy vehicles, the trade-in program has resulted in the sale of 2,434 units, generating 10.5 million yuan in consumption [2] - The implementation of the "trade-in" policy has been a key strategy for stimulating consumer demand, with over 200 promotional events organized to enhance market activity [2] - During the "May Day" holiday, key monitored enterprises in Baoji achieved sales of 49.09 million yuan, reflecting a year-on-year growth of 13.75%, while the Dragon Boat Festival saw sales of 23.15 million yuan, up 11.77% year-on-year [2]
董煜谈“十五五”规划:为世界提供确定性的“中国方案”
Zheng Quan Shi Bao· 2025-06-15 17:55
Core Viewpoint - The "15th Five-Year Plan" emphasizes the importance of integrating top-level design with public consultation, marking a significant shift in the planning process compared to previous iterations [2][8]. Group 1: Importance of Five-Year Plans - The five-year plans are crucial for China's economic and social development, reflecting a long-term strategic thinking that is central to the ruling party's governance philosophy [3][5]. - The global interest in China's five-year plans has increased as the country continues to achieve economic breakthroughs, highlighting the plans' significant role in this success [5]. Group 2: Planning Cycle and Methodology - The five-year cycle is chosen for its balance between short-term adjustments and long-term vision, allowing for continuous policy updates and implementation of major projects [6][8]. - Market participants should focus on long-term opportunities within the plans rather than just new terminologies, as continuity in development goals is essential for identifying sustainable investment opportunities [6][7]. Group 3: External and Internal Challenges - The "15th Five-Year Plan" faces more complex challenges than the "14th," including intensified great power competition, accelerated technological revolutions, and a restructuring of the global economic landscape [9][10]. - Domestic pressures, such as economic growth stabilization and demographic issues, necessitate a more nuanced approach in the new plan [9][11]. Group 4: Economic Growth and Consumption - The plan will likely emphasize expanding domestic demand, with a focus on boosting consumption as a strategic priority rather than a temporary measure [11][13]. - Service consumption is highlighted as a key area for growth, with policies aimed at enhancing employment and stabilizing the economy [13][14]. Group 5: Infrastructure and Investment - Major infrastructure projects will be a focal point in the "15th Five-Year Plan," with an emphasis on aligning these projects with new economic and social development goals [14][15]. - The plan will also address "soft construction," such as human capital investment, which is critical for long-term economic sustainability [15]. Group 6: Reform and Policy Implementation - The "15th Five-Year Plan" will align with the broader reform agenda set by the 20th National Congress, focusing on practical implementation of reforms to enhance market competitiveness [16][17]. - Key areas for reform include improving the macroeconomic governance system and managing market expectations effectively [18][19].
银行更好助力提振消费 还要创新服务模式
Zheng Quan Ri Bao· 2025-06-15 14:14
Group 1 - Banks play an indispensable role in boosting consumption through specialized actions [1] - Optimizing consumer credit supply is a key strategy for banks to stimulate consumption [1] - Banks should design diverse and personalized credit products tailored to different sectors and customer groups [1] Group 2 - Financial support for consumer-related industries is essential for a prosperous consumption market [2] - Banks need to increase financial support for manufacturing and service industries related to consumption [2] - Collaboration with e-commerce platforms and offline business districts is crucial for banks to create a consumer finance ecosystem [1][2]
洞察市场需求 银行业助力提振消费有妙招
Core Viewpoint - Recent initiatives by multiple regions aim to boost consumption and stimulate economic growth, with the banking industry responding by adjusting credit strategies to meet diverse consumer financial needs [1] Group 1: Credit Strategy Adjustments - The banking sector is optimizing product offerings to better support consumption, introducing specialized consumer loan products for housing, automobiles, education, and tourism [1] - Notable products include "Home Loan," "Renovation Loan," and "Education Loan" tailored for specific consumer groups, as well as senior-friendly financial products [1] - Banks are collaborating with electric vehicle brands to offer low-interest loans for green consumption, with some models featuring zero down payment and extended repayment terms [1] Group 2: Focus on Daily Consumer Needs - Banks are enhancing credit card payment and installment services to stimulate consumption, focusing on key areas like home decoration, automobiles, and home appliances [2] - Agricultural Bank is implementing promotional activities such as credit card discounts and interest-free installments to meet consumer demands [2] - Adjustments in loan terms are being made to extend repayment periods for long-term consumer needs, thereby alleviating financial burdens on consumers [2] Group 3: Deep Collaboration with Merchants - The banking industry is engaging in deep collaborations with merchants to provide financial support and joint marketing efforts, enhancing consumer experiences [3] - Partnerships in the housing sector allow customers to apply for home loans and home decoration loans simultaneously, benefiting from exclusive rates [3] - Customized financial solutions are being developed in the automotive sector, integrating loan processes with vehicle purchasing for a seamless experience [3] Group 4: Joint Marketing and Local Support - Joint marketing initiatives are being utilized to attract consumers through mobile banking apps and social media channels, promoting merchant discounts and consumption strategies [4] - Agricultural Bank's "Merchant e-loan" provides unsecured loans based on merchant performance, aiding in operational funding and inventory management [4] - Local banks are supporting regional industries, such as providing credit to the stone industry, thereby facilitating equipment upgrades and local economic development [4]
羊晚快评|用好政策“礼包”,释放消费活力
Sou Hu Cai Jing· 2025-06-15 12:21
政策的生命力在于执行。广东系列提振消费政策"组合拳"从就业增收、消费能力保障、服务消费提质、大宗消费升级等方面作出了相关部署,对有效提升居 民消费信心、释放消费潜力有着重大的意义。当然,政策的落地实施还需要各部门协同配合、加强监管,确保政策不走样、落到实处。这样才能真正让消费 者受益、让消费市场持续升温,为广东经济社会发展注入源源不断的动力。 消费是经济增长的重要引擎。今年政府工作报告将"大力提振消费、提高投资效益,全方位扩大国内需求"摆在政府工作任务之首,足见其对于经济发展的重 要性。今年以来,为大力提振消费,国家层面出台了《关于2025年加力扩围实施大规模设备更新和消费品以旧换新政策的通知》《手机、平板、智能手表 (手环)购新补贴实施方案》《提振消费专项行动方案》等,并且安排了大规模国债资金支持"两新"政策;广东省也不断丰富政策工具箱,出台了《广东省 提振消费专项行动实施方案》;广东多个地市也发布了提振消费专项行动方案,包括推出文旅、餐饮消费券,举办购物节、嘉年华等促销活动,推动汽车、 电动车、家电、数码产品以旧换新,加大对个人消费者开展旧房装修、厨卫等局部改造、居家适老化改造的物料购置补贴力度等多项举措 ...
多地出台提振消费专项行动方案 多点发力繁荣文旅市场
Zheng Quan Ri Bao· 2025-06-13 16:13
Group 1 - The core viewpoint of the news is that Guangzhou has released an implementation plan to boost consumption, focusing on enhancing service consumption and expanding inbound tourism [1] - The plan aims to optimize cultural and tourism consumption supply by utilizing cultural venues and scenic resources, and promoting various cultural and tourism activities [1] - The implementation includes measures such as a 240-hour visa-free transit policy and enhancing shopping experiences for inbound tourists through tax refund services and the establishment of duty-free shops [1][2] Group 2 - Experts emphasize that expanding inbound consumption can drive the upgrade of cultural and tourism consumption, creating a closed loop of experience, consumption, communication, and upgrade [2] - Various regions have introduced specific plans to enhance residents' consumption willingness and capacity, focusing on the vitality of the cultural and tourism market [2][3] - The importance of cultural tourism consumption is highlighted as a strategic component of the national economy, with significant industry correlation and economic multiplier effects [3] Group 3 - The shift from "ticket economy" to "experience economy" is necessary for optimizing cultural tourism supply, leveraging technology and local cultural IP [4] - The integration of "culture + high-end consumption" is emphasized to enhance convenience policies and service upgrades for inbound consumption [4] - A holistic ecosystem combining commerce, travel, culture, sports, and health is proposed, driven by culture, technology, and service [4]
社融多增3.83万亿背后:债券对贷款替代作用明显
Sou Hu Cai Jing· 2025-06-13 13:15
Group 1 - The core viewpoint of the articles highlights the growth in social financing scale driven primarily by government and corporate bonds, indicating a shift towards direct financing methods [1][2] - As of May 2025, the total social financing scale reached 426.16 trillion yuan, with a year-on-year growth of 8.7%, remaining stable compared to the previous month [1] - The balance of loans to the real economy was 262.86 trillion yuan, showing a year-on-year increase of 7%, but a slight decline of 0.1 percentage points from the previous month [1] Group 2 - Government bonds accounted for 20.5% of the total social financing scale, reflecting a significant year-on-year increase of 2.1 percentage points, while corporate bonds made up 7.7%, down 0.4 percentage points [1] - The net financing of government bonds in the first five months of 2025 reached 6.31 trillion yuan, which is an increase of 3.81 trillion yuan compared to the previous year [1][2] - The issuance of special refinancing bonds has been a key factor in replacing bank loans, which may temporarily affect credit volume but ultimately helps alleviate local debt risks [3][4] Group 3 - The trend of bonds substituting loans is becoming more pronounced, with nearly 90% of the social financing scale consisting of bonds and loans, indicating their complementary roles in supporting economic stability [3] - The average yield of 5-year AAA-rated corporate bonds fell to 1.97% in May, encouraging companies to increase bond financing to lower overall financing costs [2][3] - The growth in fixed asset investment funding sources, including government bonds, increased by 16.7% year-on-year, significantly outpacing other funding sources [4] Group 4 - The broad money supply (M2) reached 325.78 trillion yuan, growing by 7.9% year-on-year, while the narrow money supply (M1) was 108.91 trillion yuan, with a growth of 2.3% [5] - The manufacturing PMI improved by 0.5 percentage points in May, indicating a marginal recovery in social confidence and economic activity [5][6] - The consumer price index (CPI) saw a year-on-year decline of 0.1%, while the core CPI rose by 0.6%, suggesting ongoing low inflation levels influenced by supply-demand imbalances [6]
广州促消费组合拳:不止取消购房“三限”
Group 1 - The core viewpoint of the article is the release of Guangzhou's "Implementation Plan for Boosting Consumption," which aims to stimulate economic activity through various measures, including the optimization of real estate policies and support for employment [1][2][4]. - The plan emphasizes the complete cancellation of restrictions on real estate, including purchase limits, sales limits, and price limits, which is expected to activate potential demand and promote housing purchases, especially from non-local buyers [2][5]. - The plan outlines 33 specific measures across eight areas, including employment support, consumer capacity enhancement, and service quality improvement, aiming to significantly boost consumer spending [2][3]. Group 2 - Employment stabilization is prioritized, with plans to create 350 public welfare jobs and achieve a graduate employment rate of at least 70% by the end of July [3][4]. - The minimum wage in Guangzhou has been adjusted to 2500 yuan/month, and measures will be taken to ensure normal wage growth and address overdue payments to small and medium-sized enterprises [3][4]. - The plan includes significant investment in housing supply and guarantees, with a target of 100 billion yuan for urban village renovations this year and the construction of over 150 old community renovations by 2025 [5]. Group 3 - The plan aims to enhance automotive consumption by simplifying the process for individuals to apply for car purchase permits and expanding automotive consumption scenarios [6]. - It proposes initiatives to boost service consumption, including food festivals and tourism promotions, to enhance the local economy and attract international visitors [7][8]. - The plan also includes measures to simplify the approval process for large events, facilitating a more vibrant cultural and entertainment scene in Guangzhou [8].