支持提振和扩大消费，是金融服务实体经济的重要内容。信用卡是与人民群众日常生活联系最紧密的金 融产品之一，是金融连接C端客户和B端消费场景商户、服务实体经济的重要抓手。 党的二十届四中全会提出，坚持扩大内需这个战略基点，坚持惠民生和促消费、投资于物和投资于人紧 密结合，以新需求引领新供给，以新供给创造新需求，促进消费和投资、供给和需求良性互动，增强国 内大循环内生动力和可靠性。 在餐饮消费领域，建行信用卡以丰富的"'享趣'吃"活动普适各类客群的餐饮消费需求，既有山姆超市的 爆款食物，美味又价优，也有喜茶、霸王茶姬等网红茶饮，热门又划算，还有热气腾腾的"火锅节"，温 暖又实惠……这些遍布在全国各地、大街小巷的建行信用卡美食活动，让城市"烟火气"与消费活力同频 共振。 在购物消费领域，建行信用卡推出广泛覆盖线上线下的"'享趣'购"系列优惠活动。线上联动淘宝、天 猫、支付宝、抖音、拼多多、唯品会、中免日上等头部平台，全年不间断开展支付立减、积分加赠、分 期满减等多样化活动，并在"66节""狂欢11.11"等热门消费节点加码推出更多优惠。仅2025年"66节"期 建设银行信用卡始终坚持以人民为中心，全力服务支持实体经济 ...

Core Viewpoint - Huaxia Bank emphasizes its commitment to supporting the capital's development through various strategic actions, particularly the "Jinghua Action," which aims to leverage resources for the benefit of Beijing's growth and high-quality development [1] Group 1: Financial Support and Initiatives - Huaxia Bank has launched ten key actions this year, focusing on business development, cost reduction, risk control, internal management, and style construction, with the "Jinghua Action" being the most significant [1] - As of the end of October, Huaxia Bank has provided a total of 400 billion yuan in various financing services to the Beijing area, representing a 13% year-on-year increase [1] - The bank's technology finance initiatives are positioned as a core engine for supporting new productive forces in the capital, with a strategic focus on enhancing technology finance across the organization [2] Group 2: Technology Finance Development - Huaxia Bank has established a comprehensive product matrix to address the financing needs of technology enterprises throughout their lifecycle, including various loan products tailored to different growth stages [3] - The bank's technology enterprise loan balance reached nearly 240 billion yuan, with a growth rate of nearly 50%, serving over 8,400 clients [3] - In 2025, Huaxia Bank has issued nearly 4 billion yuan in credit loans to support the technology development of specific companies, such as Moer Technology [3] Group 3: Green Finance Initiatives - Huaxia Bank has positioned green finance alongside technology finance as a key feature, with a green finance balance exceeding 490 billion yuan and green loan balance surpassing 350 billion yuan, accounting for nearly 16% of total loans [4] - The bank has collaborated with the World Bank on significant projects aimed at air pollution prevention, with annual CO2 emissions reductions of 2.88 million tons [5] - Huaxia Bank has also supported major green infrastructure projects and led the underwriting of green asset-backed securities, demonstrating its commitment to sustainable development [5] Group 4: Consumer Finance Efforts - To support the construction of Beijing as an international consumption center, Huaxia Bank has launched 18 key tasks aimed at promoting consumer spending and enhancing financial services for major projects [6] - The bank has engaged in various promotional activities, including collaborations with supermarkets and cultural events, to stimulate consumer engagement and spending [6][7] Group 5: Regional Development and Collaboration - Huaxia Bank has provided nearly 90 billion yuan in financing services for key projects in the Beijing-Tianjin-Hebei region, marking a 31% year-on-year increase [8] - The bank has initiated the "Jinghua Action" to ensure comprehensive service coverage for state-owned enterprises in the capital and has supported various relocation projects to enhance regional integration [8] - Future plans include further advancing the "Jinghua Action" with more precise strategic layouts and innovative financial products to support the capital's development goals [8]

Core Viewpoint - Huaxia Bank emphasizes its commitment to supporting the capital's development through various strategic initiatives, particularly the "Jinghua Action," which aims to leverage resources for the benefit of Beijing's economic growth and infrastructure [1]. Group 1: Financial Support and Initiatives - Huaxia Bank has launched the "Ten Actions" initiative, focusing on business development, cost reduction, risk control, internal management, and style construction, with the "Jinghua Action" being the most significant [1]. - As of the end of October 2025, Huaxia Bank has provided a total of 400 billion yuan in various financing services to the Beijing area, marking a 13% year-on-year increase [1]. - The bank's technology finance strategy is positioned as a core engine for supporting new productive forces in the capital, with a goal to enhance its strategic focus on technology finance by 2025 [2]. Group 2: Technology Finance Development - Huaxia Bank has established a product matrix covering the entire lifecycle of enterprises, offering tailored financial products from startup to maturity stages, including "Sci-Tech Easy Loan" and "M&A Loans" [3]. - The bank's technology enterprise loan balance reached nearly 240 billion yuan by the end of October 2025, with a growth rate of nearly 50%, serving over 8,400 clients [3]. Group 3: Green Finance Initiatives - Huaxia Bank has positioned green finance alongside technology finance as a key feature, with a green finance balance exceeding 490 billion yuan and green loans surpassing 350 billion yuan, accounting for nearly 16% of total loans [4]. - The bank has collaborated with the World Bank on projects aimed at air pollution prevention, which are expected to reduce carbon dioxide emissions by 2.88 million tons annually [5]. Group 4: Consumer Finance Efforts - To support the construction of an international consumption center in Beijing, Huaxia Bank has launched 18 key tasks aimed at promoting consumer spending and enhancing financial support for major projects [6]. - The bank has engaged in various promotional activities, including collaborations with supermarkets and cultural events, attracting significant consumer participation and boosting transaction volumes [6][7]. Group 5: Regional Development and Collaboration - Since 2025, Huaxia Bank has provided nearly 90 billion yuan in financing services for key projects in the Beijing-Tianjin-Hebei region, reflecting a 31% year-on-year increase [8]. - The bank has initiated the "Jinghua Action" to ensure comprehensive service coverage for 37 state-owned enterprises in the capital, with over 4.8 billion yuan in credit allocated to 16 key projects [8].

来源：源达 投资要点 资讯要闻 2025年前十一个月社会融资规模增量累计为33.39万亿元，比上年同期多3.99万亿元。前十一个月人民币 贷款增加15.36万亿元。11月末，广义货币（M2）余额336.99万亿元，同比增长8%。狭义货币（M1） 余额112.89万亿元，同比增长4.9%。流通中货币（M0）余额13.74万亿元，同比增长10.6%。 12月14日，商务部、中国人民银行、金融监管总局联合印发《关于加强商务和金融协同更大力度提振消 费的通知》，聚焦消费重点领域加大支持力度，形成提振和扩大消费的更大工作合力。 12月18日，海南自由贸易港正式启动全岛封关，海南全岛8个对外开放口岸及10个"二线口岸"监管设施 悉数启用，标志着3万多平方公里的海南岛，正式成为海关监管特殊区域。 12月15日，国家统计局数据显示，11月份，一线城市新建商品住宅销售价格环比下降0.4%，降幅比上 月扩大0.1个百分点。同比下降1.2%，降幅比上月扩大0.4个百分点。 12月19日，日本央行将政策利率上调0.25个百分点至0.75%，创下自1995年9月以来的最高水平。 市场概览 国内证券市场主要指数表现不佳，其中上证50涨幅 ...

扩大产品供给 围绕金融促消费，丰富消费金融产品和服务，增强消费金融服务的适配性和便利度是此次《方案》的亮 点之一。 近日，《关于增强消费品供需适配性进一步促进消费的实施方案》(以下简称《方案》)提出，强化财政 金融支持。丰富消费金融产品和服务，增强消费金融服务的适配性和便利度。消费金融的快速发展与消 费市场需求高度契合。通过提供灵活多样的金融产品，消费金融有效降低了消费者的购买门槛，使更多 优质产品能够触达目标消费群体。 政策接续发力 消费金融作为连接消费需求与金融供给的关键纽带，是激发消费活力、有效提振内需的重要力量。 苏商银行特约研究员薛洪言认为，首先，消费金融能够降低消费门槛，将潜在需求转化为实际购买力， 帮助更多消费者获取优质产品与服务。其次，通过灵活的分期和信贷方式，消费金融释放了消费潜力， 使消费者得以提前提升生活品质。最后，消费金融促进了供需适配，作为连接生产与消费的桥梁，消费 金融助力实现以消费升级引领产业升级的政策目标。总的来看，消费金融已超越传统借贷功能，成为推 动供需对接、激活内需的重要金融力量。 今年以来，金融管理部门多次召开金融机构座谈会，引导金融机构充分满足实体经济有效信贷需求，尤 ...

Core Viewpoint - Accelerating the filling of the domestic demand gap, especially in consumption, has become a crucial topic for driving China's economic growth, with expanding domestic demand being prioritized as one of the eight key tasks for economic work in 2026 [1][10]. Policy Measures - The Ministry of Commerce and other departments have jointly issued a notification to strengthen the collaboration between commerce and finance to boost consumption, outlining 11 measures to enhance financial support in key areas and expand cooperation between government, finance, and enterprises [1][12]. - Recent policies have been introduced to stimulate market vitality and release consumption potential, including guidelines encouraging financial institutions to increase consumer loan issuance and support service consumption [2][11]. Financial Support and Collaboration - The notification emphasizes the need for a "combination punch" of policies, enhancing collaboration between financial institutions and retail platforms to improve payment services and support for consumer financing [3][12]. - Financial institutions are encouraged to innovate financial products and services that integrate into consumption scenarios, focusing on areas such as home services, education, and health, to stimulate new consumption patterns [3][13]. Market Response and Impact - Following the implementation of the consumption loan subsidy policy, significant market activity has been observed, with companies like Zhaolian Consumer Finance reporting substantial loan issuance and customer engagement [5][15]. - Merchants have gained confidence from financial policies, with promotional tools like interest-free installment plans leading to increased sales and customer engagement [5][15]. Targeting Underdeveloped Markets - The notification highlights the importance of expanding consumption in county-level markets and rural areas, recognizing their potential for growth and the need for targeted financial support [7][17]. - Financial institutions are focusing on providing services to underserved populations, including new citizens and small businesses, to enhance financial inclusion and stimulate local consumption [18][19]. Long-term Strategy - The overall strategy for boosting consumption is shifting from short-term stimulus measures to long-term, systematic approaches aimed at enhancing consumer capacity and addressing structural issues in the economy [20].

扩大政金企对接合作 《通知》提出3方面11条政策措施，主要来说，一是深化商务和金融系统协作。推动地方有关部门加强 沟通交流和分工协作，鼓励有条件的地方健全沟通合作机制，强化财政资金、信贷资金与社会资本等合 力，细化落实具体实施细则，共同打好政策"组合拳"。 二是加大消费重点领域金融支持。鼓励金融机构围绕升级商品消费、扩大服务消费、培育新型消费、创 新多元化消费场景、助力消费帮扶五大重点领域，优化金融产品服务，推动供需两端强化对接，提高对 商品和服务消费的适配性，因地制宜推动新型消费发展，支持消费新业态新模式新场景建设，落实落细 各项金融支持举措。 三是扩大政金企对接合作。鼓励发挥"政金企"扩消费合力，开展多层次、多渠道、多样化的促消费活动 和信息共享，做好精准对接服务，用足用好相关政策红利，更好满足相关经营主体和消费者需求。 中经记者 慈玉鹏 北京报道 近日，商务部、中国人民银行、国家金融监管总局联合印发《关于加强商务和金融协同 更大力度提振 消费的通知》（以下简称《通知》），指导地方相关部门和金融机构加强协同，精准施策推动惠民生和 促消费紧密结合，进一步提振、扩大消费。 《通知》指出，要加快推动个人消费贷款 ...

了解到赵强夫妇的情况后，邮储银行乌鲁木齐市分行客户经理刘勇一边审核基本资料，一边快速运用远 程受理系统，线上初评客户信用状况和贷款资质，现场出具预审结果。确定他们符合贷款条件后，刘勇 还悉心指导客户提供资料，并详细分析其家庭情况，推荐最适合他们的还款方式。从申请到审批通过， 这笔特殊的贷款业务仅用了两天时间。 换新车、买新房、去旅行……消费，一头连着千家万户，一头连着千行万业。今年2月，邮储银行 （601658）发布《中国邮政储蓄银行提振消费扩大内需行动方案》，围绕加快消费金融发展等方面提出 16项具体措施，进一步加大金融服务扩大内需、提振消费力度，助力提高消费能力和意愿。邮储银行乌 鲁木齐市分行立足城市消费市场，持续丰富金融产品，优化服务流程，充分激发各类消费潜力，释放刚 性和改善性消费需求。 冉冉晨雾重，晖晖冬日微。驾着新车行驶在回家路上，肖合来提·依比布拉感觉似"春风拂面"。 肖合来提·依比布拉在伊犁州从事黄金加工零售生意。今年以来，随着黄金交易"走俏"，他的生意越来 越红火。11月初，肖合来提专程从伊犁飞往乌鲁木齐，只因一直中意的车辆全疆只在乌鲁木齐设有唯一 品牌授权4S店。前阵子得知该车型恰好有现货 ...

针对客单价较高的消费场景，江苏银行在合作支付平台同步推出分期付款立减、消费贷优惠等专项权益 活动，精准匹配消费者多元化支付需求。此次专项举措投入营销费用超百万，通过优化消费金融服务， 进一步提升大额消费交易规模，为消费升级提供有力支撑。 为积极响应全民消费热潮，充分发挥金融服务实体经济的重要作用，江苏银行围绕 "双十二" 消费节 点，精心部署多项线上促消费举措，并投入约330万元营销费用，通过跨界合作、资源聚焦、权益升级 等方式，全方位激活消费潜力，助力消费市场提质扩容。 联动头部支付平台，激活全域消费活力 江苏银行主动携手支付宝、京东等国内头部支付平台，聚焦 "双十二" 购物节核心客群，推出限定支付 优惠活动。本次活动专项投入营销费用约150万元，以实打实的优惠力度降低消费者购物成本，有效激 发全域消费热情，助力消费市场持续升温。同时，江苏银行将向"苏品苏货"等目标商户加大专项金融资 源支持力度，以信贷支持、消费补贴、支付优惠等多种形式，为优质商户经营与本地经济高质量发展注 入金融动力。 聚焦大额消费场景，开展信贷优惠活动 江苏银行依托手机银行2200万客户资源，在线上专区搭建了"苏品苏货"专区、聚惠平台等 ...

招联首席研究员董希淼向记者表示，提振消费政策正从短期刺激性工具，向长期性、系统性的主线转 变。《通知》是落实中央经济工作会议"坚持内需主导，建设强大国内市场"的政策部署，旨在通过商务 与金融系统的深度协同，破解制约消费潜力释放的障碍。《通知》的意义在于将提振消费的部署，转化 为一套系统、可操作、鼓励创新的协同行动框架，有助于构建一个由商务政策引导、金融服务支撑、多 方主体参与的良性消费生态。 （资料图） 党中央、国务院高度重视提振消费工作。党的二十届四中全会指出，发挥好产业、价格、就业、消费、 投资、贸易、区域、环保、监管等政策作用，促进形成更多由内需主导、消费拉动、内生增长的经济发 展模式。近日召开的中央经济工作会议要求，引导金融机构加力支持扩大内需。中共中央办公厅、国务 院办公厅印发《提振消费专项行动方案》，明确加强财税、金融、产业、投资等政策与消费政策的协 同。 商务部财务司负责人有关负责人表示，为贯彻党中央、国务院决策部署，商务部、中国人民银行、金融 监管总局深入调查研究、广泛听取意见，在已出台金融支持政策基础上，进一步细化完善具体举措，研 究制定《通知》，指导地方相关部门和金融机构加强协同，精准施策 ...