央视网消息：12月15日，国务院新闻办公室举行新闻发布会，国家统计局相关负责人介绍，今年11月 份，工业生产稳定增长，装备制造业和高技术制造业增长较快。 国家统计局新闻发言人付凌晖介绍，1—11月份，全国规模以上工业增加值同比增长6.0%。11月份，分 三大门类看，采矿业增加值同比增长6.3%，制造业增长4.6%，电力、热力、燃气及水生产和供应业增 长4.3%。装备制造业增加值同比增长7.7%，高技术制造业增加值增长8.4%，分别快于全部规模以上工 业增加值2.9和3.6个百分点。 国家统计局：11月全国服务业生产指数同比增4.2% 发布会上，国家统计局新闻发言人介绍，今年11月份，服务业平稳增长，现代服务业发展向好。 国家统计局：前11个月社会消费品零售总额同比增长4% 今年以来，提振消费专项行动深入实施，消费品以旧换新政策发力显效，促进了消费规模扩大，消费结 构升级、消费动能焕新，带动了消费潜能释放。 付凌晖介绍，1—11月份，社会消费品零售总额同比增长4%，增速不仅快于上年同期，也快于上年全 年。1—11月份，服务零售额同比增长5.4%，增速比上月加快0.1个百分点，连续3个月回升，而且快于 商品零售额 ...

发布会上，国家统计局新闻发言人介绍，今年11月份，服务业平稳增长，现代服务业发展向好。 付凌晖介绍，11月份，全国服务业生产指数同比增长4.2%。1—11月份，全国服务业生产指数同比增长5.6%。1—10月份，规模以上服务 业企业营业收入同比增长7.6%。11月份，服务业商务活动指数为49.5%，服务业业务活动预期指数为55.9%。 付凌晖介绍，1—11月份，社会消费品零售总额同比增长4%，增速不仅快于上年同期，也快于上年全年。1—11月份，服务零售额同比增 长5.4%，增速比上月加快0.1个百分点，连续3个月回升，而且快于商品零售额增速，文体休闲服务类零售额保持两位数增长。1—11月份，实 物商品网上零售额同比增长5.7%，增速快于社会消费品零售总额1.7个百分点，占社会消费零售总额的比重达到25.9%。数字消费、绿色消费、 健康消费日益成为消费新热点，对消费的引领和支撑作用日益显现。 央视网消息：12月15日，国务院新闻办公室举行新闻发布会，国家统计局相关负责人介绍，今年11月份，工业生产稳定增长，装备制造业 和高技术制造业增长较快。 国家统计局：前11个月社会消费品零售总额同比增长4% 国家统计局新闻发 ...

Core Viewpoint - The new consumption patterns in China are steadily growing, with emerging models like instant retail and live-streaming e-commerce showing rapid development, indicating a significant shift in consumer behavior [1] Group 1: Online Retail Growth - From January to November, the online retail sales of physical goods increased by 5.7% year-on-year, outpacing the total retail sales of consumer goods by 1.7 percentage points [1] - Online retail now accounts for 25.9% of the total retail sales of consumer goods, highlighting its growing importance in the market [1] Group 2: Emerging Consumption Trends - Digital consumption, green consumption, and health-oriented consumption are becoming new hotspots, playing an increasingly significant role in supporting and leading overall consumption trends [1] - The retail volume of new energy vehicles in the passenger car market has maintained rapid growth during the same period [1]

人民财讯12月15日电，国家统计局新闻发言人、总经济师、国民经济综合统计司司长付凌晖在国新办新 闻发布会上表示，新型消费稳步成长，引领作用日益显现。即时零售、直播电商等消费新模式快速成 长，线上消费、新兴消费发展向好。1—11月份，实物商品网上零售额同比增长5.7%，增速快于社会消 费品零售总额1.7个百分点，占社会消费零售总额的比重达到25.9%。数字消费、绿色消费、健康消费日 益成为消费新热点，对消费的引领和支撑作用日益显现。1—11月份，全国乘用车新能源车市场零售量 保持了较快增长。 ...

Core Viewpoint - The article discusses the release of a notification aimed at strengthening collaboration between the business and financial systems to boost and expand consumption in China [2][4]. Group 1: Strengthening Collaboration - The notification outlines 11 policy measures across three main areas, emphasizing the need for local departments to enhance communication and collaboration, and to create mechanisms for cooperation [4][8]. - It encourages local governments to utilize digital currency and various financial tools to improve the effectiveness of consumption promotion policies [7][9]. Group 2: Financial Support for Key Consumption Areas - Financial institutions are urged to focus on five key areas: upgrading product consumption, expanding service consumption, nurturing new consumption types, innovating diverse consumption scenarios, and supporting consumption assistance [5][10]. - Specific measures include enhancing financial services for durable goods and digital products, and developing tailored financial products to meet consumer needs [10][11]. Group 3: Expanding Government-Financial-Enterprise Cooperation - The notification promotes joint consumption promotion activities involving financial institutions, local governments, and businesses to reach a wider audience [14][15]. - It emphasizes the importance of information sharing between local business departments and financial institutions to facilitate precise service delivery [15][16].

Core Viewpoint - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau have jointly proposed 11 policy measures to enhance business and financial collaboration, aiming to boost consumption significantly [1] Group 1: Financial Support for Consumption - Financial institutions are encouraged to focus on five key areas: upgrading commodity consumption, expanding service consumption, nurturing new types of consumption, innovating diverse consumption scenarios, and assisting consumption support [2] - The new policies emphasize increasing financial support for commodity and service consumption, with specific measures to enhance personal consumption loans and reduce penalties for early loan settlements in vehicle trade-ins [5][9] Group 2: Government and Enterprise Collaboration - The initiative promotes collaboration among government, financial institutions, and enterprises to conduct various consumption promotion activities and share information effectively [4] - Local governments are encouraged to establish communication mechanisms to enhance cooperation between fiscal funds, credit funds, and social capital, aiming for a comprehensive policy approach to support consumer welfare [4] Group 3: Innovation in Consumption - The policies advocate for the innovation of financial products and services that integrate into consumption scenarios, particularly in the service and elderly care sectors [7] - There is a focus on exploring financial support for emerging consumption models such as the sharing economy, green consumption, and AI-driven consumption [7]

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》（以下简称《通知》），强化商务和金融系统 协作，引导金融机构聚焦消费重点领域加大支持力度，助力提振和扩大消费。 《通知》提出，扩大服务消费。结合家政、住宿餐饮、文体娱乐、教育、旅游、养老托育等重点服务消费发展趋向和特点，创新金融产品和服务，更多嵌入 消费场景、融入消费生态。用好用足服务消费与养老再贷款，激励引导金融机构在自主决策前提下加强对接服务，积极向服务消费领域和养老领域经营主体 发放贷款；建立健全重点企业、项目和活动推介机制，主动向金融机构推送。对此，首都经济贸易大学经济学院教授、博士生导师郝宇彪建议，重点针对服 务消费与养老消费领域加大支持力度，除针对消费者出台优惠措施外，还应该从供给端针对相关企业发展需求强化相关财政支持政策和结构性货币政策支持 力度，以提升供给与需求的匹配度，促进国民经济循环畅通。 《通知》还提出，因地制宜推动新型消费发展，按照风险可控、商业可持续原则，积极探索金融支持首发经济、绿色消费、健康消费、数字消费、"人工智 能+消费"、"IP+消费"等消费新业态新模式的有效举措，提供更具多样性 ...

Core Viewpoint - The notification aims to enhance collaboration between commerce and finance to boost consumer spending through various supportive measures [3]. Group 1: Financial Support Measures - The notification emphasizes resolving difficulties in implementing financial support for expanding consumption [3]. - It suggests exploring various methods such as financing guarantees, loan interest subsidies, and risk compensation to guide credit funds towards key consumption areas [3]. - There will be a focus on enhancing financial services for durable consumer goods and digital products [3]. Group 2: Consumer Services Improvement - The notification mentions improving installment payment options, credit card services, mobile banking, and digital currency to better meet consumer upgrade demands [3]. - It highlights the reduction of penalties for early loan settlement during vehicle trade-ins and aims to enhance the service platform for consumer goods exchange [3]. Group 3: New Consumption Models - The notification indicates an active exploration of financial support for green consumption and new consumption models involving artificial intelligence [3]. - It aims to provide more diverse and differentiated financial services to adapt to evolving consumer needs [3].

商务部网站12月14日消息，商务部办公厅、中国人民银行办公厅、金融监管总局办公厅发布《关于加强 商务和金融协同 更大力度提振消费的通知》，针对深化商务和金融系统协作、加大消费重点领域金融 支持、扩大政金企对接合作三个方面，提出11项具体举措。 要 点 速 览 鼓励有条件的地方运用数字人民币智能合约红包提升促消费政策实施质效 适当减免汽车以旧换新过程中提前结清贷款产生的违约金 培育新型消费。因地制宜推动新型消费发展，按照风险可控、商业可持续原则，积极探索金融支持首发 经济、绿色消费、健康消费、数字消费、"人工智能+消费"、"IP+消费"等消费新业态新模式的有效举 措，提供更具多样性、差异化的金融服务。引导金融机构与社交电商、直播电商等开展合作，开发适应 互联网特点的业务模式。支持金融机构加强与实体零售、电商平台合作，扩大"一站式"金融服务。在依 法合规、风险可控的前提下，合理适度扩大客户范围，下沉服务"长尾"客户，增强可获得性和便利度。 支持金融机构、大型企业在依法合规的前提下，探索扩大消费积分应用。 用好用足服务消费与养老再贷款 扩大知识产权、科技成果等无形资产质押融资服务 积极探索金融支持首发经济、绿色消费 ...

商务部网站12月14日消息，商务部办公厅、中国人民银行办公厅、金融监管总局办公厅发布《关于加强 商务和金融协同更大力度提振消费的通知》，针对深化商务和金融系统协作、加大消费重点领域金融支 持、扩大政金企对接合作三个方面，提出11项具体举措。 要 点速览 鼓励有条件的地方运用数字人民币智能合约红包提升促消费政策实施质效 加快推动个人消费贷款业务发展 培育新型消费。因地制宜推动新型消费发展，按照风险可控、商业可持续原则，积极探索金融支持首发 经济、绿色消费、健康消费、数字消费、"人工智能+消费"、"IP+消费"等消费新业态新模式的有效举 措，提供更具多样性、差异化的金融服务。引导金融机构与社交电商、直播电商等开展合作，开发适应 互联网特点的业务模式。支持金融机构加强与实体零售、电商平台合作，扩大"一站式"金融服务。在依 法合规、风险可控的前提下，合理适度扩大客户范围，下沉服务"长尾"客户，增强可获得性和便利度。 支持金融机构、大型企业在依法合规的前提下，探索扩大消费积分应用。 适当减免汽车以旧换新过程中提前结清贷款产生的违约金 用好用足服务消费与养老再贷款 扩大知识产权、科技成果等无形资产质押融资服务 鼓励商家、 ...