周二，财政部发布《个人消费贷款财政贴息政策实施方案》、《服务业经营主体贷款贴息政策实施方 案》，并答记者问，以下是记者问要点： 《个人消费贷款财政贴息政策实施方案》出台背景 为深入贯彻落实党中央、国务院决策部署，按照7月31日国务院常务会议精神，财政部会同中国人民银 行、金融监管总局联合印发《方案》，通过实施个人消费贷款财政贴息政策，进一步强化财政金融协同 联动，以"真金白银"支持居民消费，降低居民消费信贷成本，在激发居民消费潜力的同时，支持扩大内 需，同此前出台的消费品以旧换新等政策，以及财政部同期出台的服务业经营主体贷款贴息政策形 成"组合拳"，从需求端和供给端协同发力，加力提振消费，巩固经济持续向好发展态势。 个人消费贷款财政贴息政策直接惠及消费者个人 与以往贴息政策重点支持投资端、供给端不同，此次出台的个人消费贷款财政贴息政策从需求端发力， 直接惠及消费者个人，降低个人消费贷款成本，贴息资金由相关贷款经办机构直接在向借款人收取贷款 利息时直接扣减，提高消费者幸福感、获得感。在支持对象上，依托商业银行、消费金融公司等差异化 的客群基础，广泛覆盖工薪阶层、灵活就业人员等各类人群，增强政策的普惠性。 个人消 ...

Core Viewpoint - The Ministry of Finance, in collaboration with several other departments, has issued a loan interest subsidy policy aimed at boosting consumption and supporting service industry operators, reflecting the government's commitment to enhance domestic demand and economic stability [1][2]. Group 1: Background and Rationale - The issuance of the loan interest subsidy policy is part of a broader strategy to stimulate consumption and improve investment efficiency, as highlighted in the 2024 Central Economic Work Conference and the 2025 Government Work Report [2]. - The policy aims to address the imbalance in supply and demand, as consumer recovery faces challenges despite recent efforts to expand domestic demand [2][3]. - There is a growing demand from the public for higher quality service consumption, with service consumption expenditure reaching 46.1% of per capita spending in 2024, indicating a shift from goods to services [3]. Group 2: Policy Implementation Requirements - The policy emphasizes government guidance and provincial coordination, requiring local governments to establish mechanisms for effective implementation [4]. - It promotes market operations and self-audit for loan approvals, allowing banks to independently assess and grant loans to eligible service industry operators [5]. - The policy outlines a need for precise strategies and efficient operations, simplifying the interest subsidy process to enhance financial support for service industry operators [5][6]. Group 3: Eligibility and Conditions - Eligible service industry operators can receive a subsidy of 1% on loans for a maximum term of one year, with a cap of 10,000 yuan per entity [7]. - The subsidy applies to various service sectors, including hospitality, healthcare, and cultural services, with loans needing to be used for improving service infrastructure [7]. - The policy specifies that loans must be contracted between March 16, 2025, and December 31, 2025, to qualify for the subsidy [7]. Group 4: Workflow and Management - The policy follows a structured workflow for loan approval and subsidy disbursement, involving multiple steps from loan application to fund settlement [8][9]. - The process includes regular audits and timely requests for subsidy funds from provincial finance departments to ensure efficient fund allocation [9]. - The policy aims to streamline procedures, allowing service operators to benefit from lower interest rates without extensive application processes [11]. Group 5: Accountability and Monitoring - The policy assigns clear responsibilities to banks, industry regulators, and financial departments to ensure compliance and effective use of funds [12]. - It prohibits the use of loan funds for real estate or speculative investments, ensuring that subsidies support legitimate service industry activities [12]. - Continuous monitoring and enforcement mechanisms are established to recover funds in case of policy violations, ensuring the integrity of the subsidy program [12].

新华社北京7月17日电 题：供需两端发力 激发消费潜能 消费旺，经济活。把提振消费摆到更加突出位置，扎实推动各项政策措施更快落地见效，将更好满足人 民群众多层次、多样化消费需求，为经济高质量发展注入更强动能。 【纠错】 【责任编辑:薛涛】 站在年中望全年，上半年持续释放的消费活力为全年消费向好提供了坚实支撑。当前，需要继续从供需 两端协同发力，进一步激发市场活力和消费潜能，持续推动消费升级。 从供给端看，提升供给质量、优化消费环境是关键。从《哪吒2》成为票房黑马，再到Labubu引爆消费 热点，日益多元化、个性化的消费需求迫切呼唤传统供给模式的变革与转型。一方面，市场要以消费者 的需求为导向，全力以赴做优产品质量；另一方面，政府要加快完善质量标准、信用约束、消费维权等 制度，让大家放心消费。 从需求端看，增强消费能力、提升消费意愿是重点。让老百姓的消费底气更足、预期更稳、信心更强， 需要促进工资性收入合理增长，拓宽财产性收入渠道，多措并举促进农民增收，扎实解决拖欠账款问 题，更有力推动消费潜能持续释放。 提振消费是一项系统工程，需要各方共同发力、形成合力。健全和用好宏观政策取向一致性评估工作机 制，加强财税、 ...

国家发展改革委副主任赵辰昕4月28日在国新办新闻发布会上表示，深入实施提振消费专项行动， 并抓紧出台各领域专项措施，也会指导限购城市针对长期摇号家庭和无车家庭等重点群体定向增发购车 指标。（记者张晓洁、谢希瑶） 【纠错】 【责任编辑:成岚】 ...

Core Viewpoint - The Chinese government is implementing multiple measures to strengthen domestic consumption and enhance the domestic circulation of the economy, emphasizing the importance of consumption as a driving force for economic growth [1][2]. Group 1: Measures to Boost Consumption - Accelerating the implementation of special actions to boost consumption, including upgrading product consumption and promoting the replacement of old consumer goods [2]. - Expanding service consumption by advancing the opening of the service industry and enhancing the quality of services in health, elderly care, childcare, and domestic services [2]. - Fostering new types of consumption, such as digital and green consumption, and promoting innovative consumption scenarios through events like "Buy in China" [2]. Group 2: Modern Trade and Supply Chain Development - Improving the modern commercial circulation system by upgrading circulation facilities and expanding pilot cities for trade circulation [2]. - Developing intelligent supply chains to enhance collaboration between upstream and downstream businesses in the trade and logistics sectors [2]. - Promoting high-quality development of e-commerce by nurturing quality e-commerce initiatives and creating a favorable ecosystem for e-commerce [2]. Group 3: Integration of Domestic and Foreign Trade - Accelerating the integration of domestic and foreign trade to help enterprises effectively respond to external shocks [3]. - Assisting foreign trade enterprises in expanding domestic sales and ensuring that policies benefit a broader range of foreign trade companies [3]. - Organizing events to connect foreign trade enterprises with domestic purchasing platforms, particularly in sectors like automotive and home appliances [3].

Group 1 - The central government emphasizes the importance of expanding domestic demand as a key focus for economic work in the second half of the year, with a particular emphasis on consumption and effective investment [1][2] - The implementation of the "Consumption Promotion Special Action" aims to boost consumer spending and improve living standards, thereby expanding consumption demand [1][2] - Experts highlight the need to enhance residents' consumption capacity and willingness through income growth and reduced financial burdens, which will support sustained consumer confidence [2][3] Group 2 - Service consumption is identified as a crucial area for consumption upgrade, with policies expected to focus on diversifying and improving the quality of service offerings [3] - The shift in investment focus from quantity to quality is noted, with an emphasis on new infrastructure, urbanization, and public service sectors to drive effective investment [3] - Urban renewal is highlighted as a key strategy for enhancing investment quality and effectiveness, with government-led public investment playing a significant role [3]

Group 1 - The People's Bank of China (PBOC) has established a "Service Consumption and Elderly Re-lending" program to encourage financial institutions to increase support for key service consumption sectors and the elderly industry [1][2] - The total amount for the re-lending program is set at 500 billion yuan, with an annual interest rate of 1.5% and a maximum term of 3 years [1] - The program is aimed at 26 financial institutions, including national development banks, policy banks, state-owned commercial banks, and major city commercial banks, allowing them to independently decide on loan issuance based on risk [1][2] Group 2 - The PBOC's focus on expanding domestic demand and boosting consumption highlights the importance of service consumption as a key area for economic growth [2] - The initiative is part of a broader strategy to enhance service consumption supply and meet the upgrading needs of consumer demand [2] - This re-lending tool represents an innovative measure by the PBOC to support consumption recovery in collaboration with fiscal and other industry policies [2]

本刊记者/李朝瑞 今年的政府工作报告，把提振消费、扩大内需列为全年十大任务之首，提出要大力提振消费、提高投资 效益，全方位扩大国内需求，还特别强调，要让内需成为拉动经济增长的主动力和稳定锚。 经济学上常把投资、消费、出口比喻为拉动GDP增长的"三驾马车"，这是对经济增长原理生动形象的表 述。 经济增长的原动力来源于经济中总需求的拉动，其中消费是核心驱动因素。人类历史上，由于对消费水 平不断的期望和追求，刺激了生产力的发展。马克思在分析生产和消费关系时指出，"没有生产，就没 有消费，但是没有消费，也就没有生产，因为没有消费，就没有生产的目的"。而生产又决定消费内容 和形式，例如工业化催生标准化的商品，信息化推动精准、高效的服务，改变人们生活方式和社会文化 形态。"好"的消费，促进"好"的生产，"好"的生产又给消费者带来福祉，可以说消费是经济的"压舱 石"，也是民生福祉的"晴雨表"。在当前经济形势下提振消费又被赋予更加重要的使命，这是由我国经 济进入高质量发展阶段的新形势要求决定的。 首先解读一下关于提振消费的纲领性文件和政策导向。 1. 国家层面出台了一系列重要文件，为提振消费提供了明确的政策指引。2025年3 ...

Core Points - The 2025 Baoji (Qingdao) Beer Music and Food Festival was launched on August 4, aimed at boosting consumption during the summer season [1][3] - The event attracted nearly 40,000 citizens and tourists on its first day, generating over 200,000 yuan in retail sales, showcasing the vibrant summer economy of Baoji [5][6] Group 1 - The event was inaugurated by key officials including the Deputy Director of the Provincial Commerce Department and the Deputy Mayor, highlighting the importance of government support in promoting local consumption [3][6] - The festival features a main venue and 20 sub-venues, with various themed activities planned over two months, emphasizing the integration of beer, music, and food to enhance the local consumption experience [6][10] - The event aims to stimulate the local economy by leveraging the "summer economy" opportunity, with a focus on attracting visitors and enhancing the overall consumer market in Baoji [6][8] Group 2 - The event includes a series of themed activities such as the "Taste Baoji" food season, trunk markets, stargazing camping, and sports events, designed to create a festive atmosphere and encourage spending [10] - The local government is committed to optimizing supply and activating market demand to release diverse and high-quality consumption potential, contributing to a more vibrant and sustainable consumption ecosystem [8]

Group 1: Financial Support for New Industrialization - The People's Bank of China and six other departments issued guidelines to enhance financial support for new industrialization, focusing on five areas including improving technological innovation capabilities and supply chain resilience [1] Group 2: Special Bond Issuance - In July, the issuance of new special bonds reached 616.936 billion yuan, marking an increase of 89.842 billion yuan compared to the previous month, representing the highest monthly issuance level for the year [2] Group 3: Employment Initiatives in Fujian - The Fujian Provincial Government announced the allocation of special funds in the fiscal budget to promote employment, emphasizing the importance of prioritizing employment policies and investing in human resources to ensure stable employment conditions [5] Group 4: Supportive Measures for Enterprises in Qingdao - Qingdao City released 31 new measures aimed at supporting and assisting enterprises, although specific details of these measures were not provided in the document [5]