（原标题：他们，将影响你的生意和生活｜国家发改委主任郑栅洁） 关键词："十五五"规划、投资止跌回稳 坚持因地制宜，提高规划质量，加强规划内容审核衔接，把党的二十届四中全会《建议》确定的各项决 策部署和工作要求落到实处。同时，加强经济监测预警分析，完善政策工具箱，加强预期管理，做好今 明两年政策衔接、工作衔接，推动政策靠前发力，实现良好开局。 ——2025年12月12日召开的全国发展和改革工作会议指出 核心关注： 政策扫描： 1.编制实施好"十五五"规划。 2.多措并举促进投资止跌回稳。 3.提振消费要出实招出新招。 4.综合整治"内卷式"竞争和培育发展新动能。 5.进一步全面深化改革。 充分发挥"两重"建设、新增地方政府专项债券等各类政府投资资金作用，适当增加中央预算内投资规 模，继续发挥新型政策性金融工具作用。 优化实施消费品以旧换新政策，积极扩大服务消费，加快清理消费领域不合理限制性措施，推动消费供 给提质升级。 完善重点行业产能治理和重大基础设施调控，大力培育壮大新兴产业和未来产业，培育壮大若干新兴支 柱产业，深化拓展"人工智能+"行动，补齐科技服务业短板，完善低空经济产业生态，深入推进数字经 济高质量 ...

2025年，全国居民人均可支配收入为4.34万元，已达到2010年的3.5倍；比上年增长5.0%，与GDP增速 相当。 不过整体来看，我国居民收入占GDP的比重仍然偏低，2025年仅为43.5%，显著低于60%左右的世界平 均水平，制约着消费潜力的进一步释放。 分省份看，2025年，上海居民人均可支配收入已经率先迈上9万元台阶，北京距此也只有一步之遥；浙 江首次突破7万元大关。 扩大内需已成为我国经济发展的战略之举，提振消费则是实现这一战略的重中之重。 去年底，中央经济工作会议将"坚持内需主导，建设强大国内市场"摆在2026年经济工作重点任务之首， 凸显其关键引擎作用。 消费是收入的函数，当提振消费成为头等大事，居民的"钱袋子"自然成为焦点。此前，国家层面明确要 制定实施城乡居民增收计划，提高居民收入在国民收入分配中的比重，提高劳动报酬在初次分配中的比 重，努力实现居民收入和经济增长同步。 那么，当前发展情况如何？ 居民收入稳健增长 从全国来看，自2023年起，我国居民人均可支配收入增速已连续3年跑赢或与GDP增速持平。 回顾过去，在中国经济高速增长阶段，居民收入增幅曾长期低于经济增幅；近年来，随着我国经济从 ...

记者日前从省商务厅获悉：2025年，陕西聚力打好提振消费硬仗取得显著成绩，加力扩围实施消费 品以旧换新成效明显、商旅文体健融合释放服务消费潜力、试点示范带动作用持续放大、城乡商贸流通 能级不断提升。 为加力扩围实施消费品以旧换新，省商务厅制定工作方案和分领域实施细则，发挥14个部门工作协 调机制作用，省市联动开展政策设计、品类拓展、流程优化、服务提升、金融赋能等工作，安排中央、 省级、市级补贴资金76.86亿元，带动消费682.65亿元，参与企业16156家，惠及消费者超820万人次，推 动新能源汽车、通信器材、家用电器同比分别增长30.6%、40.9%和27.1%。西安政策解读服务、汉中资 金风险防控2项经验入选商务部典型案例。 2025年，省商务厅联合发展改革、财政、教育、民政、文旅、市场监管、体育、统计等部门制定促 进服务消费高质量发展若干措施等18项政策，会同文旅、体育等部门组织知味陕西等服务消费季活动 167场。"过去一年，跟着唐诗游长安蔚然成风，微短剧产业从'当红'走向'长红'，宝鸡推动'票根+'多业 态融合发展，咸阳打造国际面食之都，铜川推出'观赛+滑雪+康养+文创'套餐，延安美食联动红色研 学 ...

Core Viewpoint - Zhengzhou Bank is committed to integrating its development with the modernization of Henan Province, focusing on supporting the local economy and enhancing financial services to various sectors, including small and micro enterprises, consumer spending, and rural revitalization [1][2][4][6]. Group 1: Financial Support for Economic Development - Zhengzhou Bank aims to strengthen its capital base and optimize asset-liability structures to support national strategies and regional economic development [2]. - The bank is aligning its credit resources with key projects and sectors, such as advanced manufacturing and urban renewal, to ensure financial backing for the province's GDP growth target of 5.6% and industrial value-added growth of 8.4% [2]. Group 2: Support for Small and Micro Enterprises - The bank addresses the financing challenges faced by small and micro enterprises by providing tailored financial solutions throughout their lifecycle and reducing financing costs [3]. - Zhengzhou Bank conducts regular visits to understand the operational status and needs of these enterprises, offering customized financial support and utilizing diverse financing tools [3]. Group 3: Enhancing Financial Services for Citizens - The bank focuses on a people-centered development approach, creating a comprehensive financial service ecosystem that addresses various public needs, including healthcare and education [4]. - Zhengzhou Bank is expanding its financial services to rural areas, ensuring accessibility and convenience for residents [4]. Group 4: Stimulating Consumption and Domestic Demand - The bank is actively promoting consumption by optimizing credit services for housing, appliances, and digital products, thereby enhancing consumer spending potential [5]. - Zhengzhou Bank supports the development of new consumption models and urban improvement projects to boost retail sales across the province [5]. Group 5: Rural Revitalization Initiatives - The bank is committed to directing financial resources towards rural revitalization, enhancing basic financial services in rural areas, and supporting infrastructure and agricultural development [6]. - Zhengzhou Bank is developing financial products tailored to local agricultural industries to promote sustainable income growth for farmers [6]. Group 6: Future Outlook - Looking ahead, Zhengzhou Bank plans to focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its service capabilities [7]. - The bank aims to contribute to the modernization of Henan Province by providing precise financial services and robust support for local economic development [7].

Core Insights - The "Prize Invoice" pilot program has been launched in 50 cities across China, aiming to boost consumer spending during the Spring Festival and enhance public satisfaction with consumption [1][2] - The program is expected to distribute 10 billion yuan in prizes during the nine-day Spring Festival holiday, with a total of 100 billion yuan allocated for the six-month pilot period [1][2] Group 1: Program Implementation - The pilot program is jointly promoted by the Ministry of Finance, the Ministry of Commerce, and the State Taxation Administration, targeting sectors such as retail, catering, and tourism [2] - Consumers can participate in the lottery by submitting invoices for purchases over 100 yuan, which is anticipated to stimulate additional spending [3] Group 2: Market Impact - In Ningbo, the program has led to a 10% increase in foot traffic and a daily sales average exceeding 20 million yuan, reflecting a year-on-year growth of over 15% [1] - The initiative is seen as a tool to enhance consumer engagement and satisfaction, particularly during the festive season when spending typically rises [3] Group 3: Historical Context and Goals - The "Prize Invoice" concept is not new, having been introduced in the 1990s to combat cash transactions and tax evasion, but it has been reintroduced with a focus on stimulating consumption and expanding domestic demand [2] - The program combines consumption with a lottery mechanism, providing consumers with unexpected rewards and increasing the enjoyment of shopping [2][3]

Core Viewpoint - The opening of the duty-free store at Beijing Capital International Airport's Terminal 3 marks a significant milestone in enhancing the airport's commercial offerings and aligns with national strategies to boost consumption and establish Beijing as an international consumption center [6]. Group 1: Opening Ceremony - The duty-free store at Terminal 3 officially opened on February 13, 2026, with key figures from the Capital Airport Group and China Tourism Group in attendance [1]. - The ceremony included a speech by Wang Yangguang, Chairman and General Manager of China Duty Free Group (CDFG) [1]. Group 2: Store Features and Promotions - The upgraded duty-free store aims to provide a richer product matrix, stable high-end supply, and competitive pricing through innovative store design and digital member services [2]. - During the opening period coinciding with the Spring Festival travel rush, CDFG launched a promotional campaign offering discounts on various products, including fragrance items at up to 60% off and food and beverages at up to 15% off for registered members [2]. Group 3: Strategic Importance - The new duty-free stores at Terminals 2 and 3 cover approximately 14,200 square meters of core commercial space, representing a new phase in the airport's duty-free business [6]. - This initiative is part of a broader effort to respond to national consumption strategies and enhance Beijing's role as a hub for international commerce and exchanges [6].

Core Viewpoint - Xining has been selected as one of the 50 pilot cities for the prize invoice program, aiming to stimulate consumer spending through a total prize pool of 1.4 billion yuan [1][2] Group 1: Program Details - The prize invoice program will run from February 10 to July 31, covering eight major consumption sectors: retail, catering, accommodation, culture and arts, entertainment, tourism, sports, and residential services [1] - Consumers can participate by obtaining a digital invoice for purchases over 100 yuan from registered taxpayers in Xining [1] Group 2: Participation and Rewards - Participation is facilitated through the UnionPay "Prize Invoice" section, with plans to include Alipay in the future [2] - Participants can enter up to five times daily and 15 times monthly, with a maximum of one entry per invoice [2] - The program features two reward mechanisms: "instant win" with prizes of 100, 80, 50, and 20 yuan totaling 98 million yuan, and "regular grand prize draws" with prizes of 800, 500, and 200 yuan totaling 42 million yuan [2] Group 3: Promotional Activities - Xining will implement a year-round consumption promotion system with five themed shopping seasons and over 70 promotional events focusing on key sectors such as automobiles, home appliances, and digital products [2]

Group 1 - The core initiative is the "Horse Year Welcoming New Year · Shopping in Changchun" coupon distribution activity, aimed at boosting consumer spending and stimulating domestic demand in Changchun City [1][21][30] - The total amount of coupons to be distributed is 267 million yuan for supermarket coupons, 346 million yuan for department store coupons, and 195 million yuan for fuel coupons, with government and enterprise contributions specified [1][21][30][43] Group 2 - The distribution method involves a collaboration model of "government subsidies + enterprise matching funds," with specific amounts allocated from each source [1][21][30][43] - The coupons will be distributed through the UnionPay Cloud Flash Payment APP, targeting users located in Changchun City during the activity period [2][12][22][55] Group 3 - The first phase of coupon distribution for supermarkets is scheduled for February 13, 2026, and will be available until March 3, 2026, while the second phase will start on March 6, 2026, and end on March 31, 2026 [3][13][22][32][44] - The face value of the supermarket coupon is 40 yuan (discount of 40 yuan on a minimum purchase of 200 yuan), with a government subsidy of 30 yuan and enterprise contribution of 10 yuan [4][14][23][33][46] Group 4 - Users can claim the coupons by accessing the "You Look What" mini-program within the UnionPay APP, and the coupons will be credited to their personal accounts immediately upon successful claim [5][15][24][34][47] - The coupons must be used at designated merchants, and specific rules apply regarding refunds and returns, which affect the usability of the coupons [6][16][25][35][49] Group 5 - Participants must bind their phone numbers and bank cards in the UnionPay APP and complete real-name authentication to be eligible for the coupons [8][18][27][61] - Users are required to enable GPS location services in the APP, and any fraudulent activities will result in disqualification from the program [9][19][29][62]

Core Viewpoint - The Chinese government is implementing a series of initiatives to boost consumer spending during the 2026 Spring Festival, including promotional activities and enhanced market supply measures [1][2][3][4] Group 1: Government Initiatives - The Ministry of Commerce, in collaboration with nine departments, has planned the "Happy Shopping Spring Festival" special activities, offering consumers incentives such as trade-in programs, prize invoices, and financial support [1] - Financial regulatory authorities are encouraging financial institutions to assist in organizing consumer promotion activities, providing subsidies, and offering value-added services [2] - The State Administration of Radio and Television is promoting the "Happy Shopping Spring Festival" through engaging television and online content to stimulate consumer demand [3] Group 2: Market Supply and Consumer Behavior - Data shows that essential goods supply is robust, with key supermarket inventories of grains, oils, meats, and eggs increasing by over 20% compared to the previous month, and vegetable stocks up by 7.7% [4] - The 2026 online New Year goods festival has seen a total online retail sales of 989.73 billion yuan since its launch in January, highlighting a strong consumer engagement through various promotional activities [2] - The Ministry of Culture and Tourism is launching 22 themed activities to enhance cultural experiences during the Spring Festival, including significant consumer subsidies exceeding 360 million yuan [3][4] Group 3: Consumer Experience Enhancement - The integration of online and offline shopping experiences is being emphasized, with new formats such as cloud exhibitions and live streaming to invigorate consumer activity [2] - The promotion of traditional culture and heritage is being leveraged to create unique consumer experiences, aligning with the festive spirit of the Spring Festival [2] - The sports sector is enhancing public access to sports facilities during the holiday, promoting outdoor activities and fitness opportunities for the public [3]

Group 1 - The core viewpoint emphasizes the importance of boosting consumption as a strategic initiative, with a focus on expanding domestic demand and creating a strong domestic market as a priority for economic work in 2026 [1] - Various local governments are implementing new consumer policies, such as trade-in programs for consumer goods and promoting unique cultural tourism projects, which have shown positive effects on consumption [1] - The central government has reiterated the need to integrate various policy effects to enhance residents' consumption motivation and leverage consumption as a fundamental driver of economic growth [1] Group 2 - There is a significant focus on enhancing policy support for durable consumer goods like electric vehicles and home appliances, which have shown notable short-term consumption boosts, although their long-term effectiveness may face diminishing returns [2] - To improve policy effectiveness and sustainability, it is suggested to expand subsidy coverage to include more smart products and service consumption, thereby optimizing consumption structure [2] - The need to strengthen the alignment between supply and demand is highlighted, addressing the current imbalance where strong supply does not meet weak demand, and promoting a virtuous cycle of domestic demand [3] Group 3 - Continuous improvement of residents' consumption capacity is essential, which can be achieved through optimized subsidy policies and enhanced supply of goods and services [3] - The relationship between industrial development, job creation, income increase, and stable expectations is crucial for enhancing consumption quality and expansion [3] - Emphasis is placed on the role of service consumption in extending the consumption chain and creating more job opportunities, leading to dual effects of industrial value addition and income growth for residents [3]