Core Viewpoint - The article emphasizes the importance of enhancing consumption quality to stimulate domestic demand and promote high-quality economic development, aligning with the "14th Five-Year Plan" goals [1][5]. Group 1: Consumption Quality Improvement - Improving consumption quality can help address supply-demand mismatches, as the demand for high-quality and high-value products is not being met despite sufficient overall supply [2]. - The shift in consumer preferences from basic needs to quality and personalized services is evident, with a growing demand for education, healthcare, and tourism services [2][3]. - New consumption patterns are emerging, such as digital, green, and health-related consumption, but the supply in these areas is still underdeveloped [3]. Group 2: Business Competition and Innovation - Encouraging businesses to offer high-quality products and services can lead to higher profits, which in turn fuels further research and development, creating a positive feedback loop [4]. - The current "involution" competition often sacrifices product quality for price, which can harm long-term consumer trust and innovation [4]. - Government support is crucial for small and medium enterprises to enhance quality, as evidenced by data showing that participating in quality improvement initiatives can increase annual profit margins by approximately 8% and reduce quality costs by about 6% [4]. Group 3: Overall Economic Impact - Enhancing both the quantity and quality of consumption is essential for meeting the public's aspirations for a better life and injecting stronger momentum into the high-quality development of the economy [5].

本报北京12月16日电 （记者王珂）商务部、中国人民银行、金融监管总局近日联合印发《关于加强商 务和金融协同 更大力度提振消费的通知》，指导地方商务主管部门和中国人民银行分支机构、金融监 管总局各监管局及金融机构加强协同配合，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。 通知围绕商品消费、服务消费、新型消费、消费场景、消费帮扶等重点领域和强机制、抓落实、促合力 等关键环节，提出3方面11条政策措施。 一是深化系统协作。指导地方相关部门建立健全协调工作机制，加强常态化沟通交流，细化支持举措， 强化财政、商务、金融政策协同配合。二是加大金融支持。丰富完善金融产品和服务，加强场景对接、 生态融合，提高对消费领域适配性，助力升级商品消费，扩大服务消费，培育新型消费，创新多元化消 费场景，做好消费帮扶。三是扩大对接合作。鼓励联合开展促消费活动、拓展多种形式的信息共享、做 好宣传引导推广，增强经营主体和消费者获得感，推动各项政策措施落地见效。 通知强调，要强化协同配合，做好部门间政策衔接、工作对接和优势互补；要抓好落地见效，鼓励各地 方有关部门、金融机构结合实际细化完善金融支持举措，激发消费潜力；要 ...

Group 1 - The core viewpoint emphasizes that stable employment is crucial for promoting consumption, as highlighted by Liu Yonghao, Chairman of New Hope Group, during the "National Forum: 2025 Annual Meeting" [2] - Traditional employment, which includes manufacturing, services, and construction, accounts for 60%-80% of the national employment population and is essential for stabilizing the economy and consumption [2] - The rapid development of new productive forces, represented by technology companies, currently provides employment for about 10% of the national population, indicating a need for expansion in this sector [3] Group 2 - Flexible employment, including gig workers such as delivery drivers and construction workers, constitutes a significant portion of the employment population, necessitating supportive policies and a tailored social security system [3] - Liu Yonghao suggests that the government should implement "moderately relaxed" policies to encourage and support flexible employment [3]

Group 1 - The core focus for the upcoming year is to expand domestic demand, which is prioritized as the main task. Domestic demand has shown stability, contributing 71% to economic growth in the first three quarters of this year. However, there is a noted slowdown in consumption and investment growth that requires ongoing efforts to boost domestic demand [1] - There is a structural shift in consumption patterns, moving from a focus on goods to a balance between goods and service consumption. While some areas of goods consumption are slowing, there is strong demand in service sectors such as culture, tourism, elderly care, and childcare. The strategy involves leveraging new demand to drive new supply and vice versa [1] - Plans to increase urban and rural residents' income, enhance employment quality, and raise basic pensions are essential to improve consumer spending capacity. The aim is to expand the supply of quality goods and services and develop new consumption growth points in sectors like home services and health tourism [1] Group 2 - Investment is currently declining, but there are significant opportunities in technology innovation, industrial upgrades, infrastructure, and improving living standards. The strategy involves combining investments in physical assets and human capital to stimulate both consumption and investment [2] - The government is expected to play a crucial role in driving investment through the effective use of budgetary funds, long-term special bonds, and local government bonds. The focus will be on implementing major projects that can stimulate economic activity [2] - There is a need to invigorate private investment by implementing measures to support private enterprises in participating in significant projects in sectors like railways and nuclear power, and guiding private investment towards high-tech and service industries [2]

（原标题：中央财办有关负责同志详解2025年中央经济工作会议精神） 人民财讯12月16日电，当前经济形势怎么看？"十五五"新开局重点任务如何推进？聚焦舆论关注的热点 问题，中央财办有关负责同志会后第一时间接受中央主要媒体采访，深入解读中央经济工作会议精神。 问：内需发展现状如何？提振消费、扩大投资的空间和动力在哪里？ 答：扩大内需是明年排在首位的重点任务。今年我国内需总体保持稳健，前三季度内需对经济增长贡献 率达到71%。提振消费政策成效明显，扩大有效投资扎实推进。我们也注意到，近几个月消费和投资增 速有所放缓，需要持续加力扩内需。 人民财讯12月16日电，当前经济形势怎么看？"十五五"新开局重点任务如何推进？聚焦舆论关注的热点 问题，中央财办有关负责同志会后第一时间接受中央主要媒体采访，深入解读中央经济工作会议精神。 问：内需发展现状如何？提振消费、扩大投资的空间和动力在哪里？ 答：扩大内需是明年排在首位的重点任务。今年我国内需总体保持稳健，前三季度内需对经济增长贡献 率达到71%。提振消费政策成效明显，扩大有效投资扎实推进。我们也注意到，近几个月消费和投资增 速有所放缓，需要持续加力扩内需。 明年要把握消 ...

明年要着眼惠民生增后劲，推动投资止跌回稳。当前投资出现下滑，但我国在科技创新、产业升级、基 础设施、改善民生等方面还有不少短板弱项。要把投资于物和投资于人相结合，统筹提振消费和扩大投 资，加快建设停车场、充电桩、旅游公路等消费基础设施，提高养老、托育、医疗等民生类投资比重， 高质量推进城市更新，着力扩大有效投资。要有效发挥政府投资带动作用，用好中央预算内投资、超长 期特别国债、地方政府专项债券等资金，优化实施"两重"项目，靠前实施具备条件的"十五五"重大项 目，发挥重大工程牵引带动作用。要激发民间投资活力，落实好进一步促进民间投资发展的若干措施， 支持民营企业参与铁路、核电等领域重大项目，引导民间投资向高技术、服务业等新赛道拓展，以更实 举措增强民间投资信心。 （文章来源：新华社） 针对内需发展现状如何？提振消费、扩大投资的空间和动力在哪里？中央财办有关负责同志表示，扩大 内需是明年排在首位的重点任务。今年我国内需总体保持稳健，前三季度内需对经济增长贡献率达到 71%。提振消费政策成效明显，扩大有效投资扎实推进。我们也注意到，近几个月消费和投资增速有所 放缓，需要持续加力扩内需。 明年要把握消费的结构性变化， ...

12月10日至11日，中央经济工作会议在北京举行。 会议在部署明年经济工作重点任务时明确提出，坚持内需主导，建设强大国内市场。 具体包括：深入实施提振消费专项行动，制定实施城乡居民增收计划；扩大优质商品和服务供给；优 化"两新"政策实施；清理消费领域不合理限制措施，释放服务消费潜力；推动投资止跌回稳，适当增加 中央预算内投资规模，优化实施"两重"项目，优化地方政府专项债券用途管理，继续发挥新型政策性金 融工具作用，有效激发民间投资活力；高质量推进城市更新。 中央经济工作会议提出坚持内需主导释放出什么信号？如何清理消费领域不合理限制措施？在具体措施 层面，从加力扩围到优化"两新"政策实施，如何理解表述的转变？围绕上述疑问，《每日经济新闻》记 者（以下简称NBD）近日对中国宏观经济研究院研究员张燕生进行了专访。 大国的现代化必须以内需为主导 NBD：中央经济工作会议将内需主导放在明年经济工作的首位，并明确提出坚持内需主导。这释放了 什么信号？ 张燕生：今年全国两会期间，政府工作报告就把扩大国内需求作为经济工作的重中之重。年末举行的中 央经济工作会议把坚持内需主导作为明年各项任务之首。虽然提法有所不同，但重要性实质 ...

北京商报讯（记者 孔瑶瑶）为积极响应新时代消费者的新需求、新期待，促进消费者权益保护工作提 质增效，12月16日，中国消费者协会（以下简称"中消协"）面向社会公开征集2026年消费维权年主题。 中消协表示，消费是拉动经济增长的重要引擎，也承载着人民群众对美好生活的向往。当前，提振消 费、扩大内需不仅仅是经济议题，更是关乎民生福祉与发展大局的重要课题。优化消费环境、强化消费 者权益保护，让居民真正实现"能消费""敢消费""愿消费"，对于释放我国超大规模市场潜力、增强国内 大循环内生动力和可靠性，满足人民日益增长的美好生活需要具有重要作用。 中消协将通过此举明确工作思路，凝聚社会共识，协同各方力量，持续优化消费环境，为大力提振消 费、推动高质量发展与高品质生活相互促进，确保"十五五"开好局、起好步提供助力。 消费者可通过中国消费者协会微信公众号"CCA-315"征集启事留言，也可以电子邮件形式发送应征稿 件，邮寄请在信封上标明"2026年年主题"字样。应征年主题字数在10个字以内，并请附相应的理由说 明。 近年消费维权年主题 2021年 守护安全 畅通消费 2022年 共促消费公平 2023年 提振消费信心 20 ...

Core Viewpoint - The stability of the real estate market is crucial for boosting consumption and ensuring the resilience of the overall economy, necessitating decisive and innovative government policies to reverse market expectations [2][3][5]. Group 1: Relationship Between Real Estate and Consumption - The relationship between real estate and consumption is clear; a household's consumption ability depends on its asset value and future income expectations. The current decline in consumption is due to the significant reduction in household assets and weakened confidence in future income caused by the downturn in the real estate market [3][5]. - Experts emphasize the need to stabilize asset values and market expectations to solidify the foundation of consumption, aligning with the central government's repeated calls for "stabilizing housing prices, land prices, and expectations" [5][6]. Group 2: Investment Attributes of Real Estate - Real estate possesses both consumption and investment attributes, similar to government bonds and stocks. The current rental yield in some declining markets is approaching 2%, making it relatively attractive compared to savings [6]. - The shift in market expectations has led to a decline in transaction volumes despite falling prices, contrasting with typical consumer behavior where price drops stimulate sales. This change is attributed to a generational shift in perception, particularly among younger individuals who no longer view rising property prices as inevitable [6][7]. Group 3: Pathways to Stabilize the Real Estate Market - Experts suggest various strategies to address the current challenges in the real estate market, including the potential for easing purchase restrictions in major cities to stimulate market activity, as evidenced by positive trends in cities like Chengdu after policy relaxations [8][9]. - The central government is encouraged to utilize public financial tools to address local fiscal and financial issues, with the issuance of government bonds seen as a viable method to meet market demand for quality assets and support economic recovery [9][10]. - The establishment of a personal bankruptcy protection system is deemed urgent to alleviate the burdens on homeowners unable to continue mortgage payments, which would help protect consumer confidence and overall economic stability [10][11]. Group 4: Importance of Real Estate Stability - The stability of the real estate market is considered more critical than that of the stock market, as it affects a broader segment of the population and directly influences consumer confidence and asset security [11][12]. - The central government is believed to have the capability and experience to address the challenges in the real estate market through institutional innovation and policy tools, which can help restore a healthy market environment [11][12].

粤开证券首席经济学家、研究院院长罗志恒表示，提振消费不仅仅是居民行为，更多是政府、企业和居 民共同推进的结果。对于政府来说，要尽可能地营造促进老百姓更好消费的环境，有必要改革对地方政 府的考核制度、财税激励制度，既要招商引资，也要促进消费；对于企业来说，要通过提供更高质量的 商品服务来更好地释放居民需求，有必要放开市场准入让企业良性竞争创造高质量的供给；而居民有了 良好的消费环境、更高的消费能力，自然就提高了居民消费率。消费是目的、是结果，而非手段。 ...