向来精打细算的姑父最近花几千元购买了一款智能手表，让我对提振消费有了新思考。普通智能手环只 需两三百元，为什么要买几千元的呢？原来姑父看重的是随时监测血压等功能。 "十五五"规划建议提出"大力提振消费""扩大优质消费品和服务供给"。大力提振消费是加快构建新发展 格局、推动高质量发展的内在要求。党的十八大以来，我们坚定实施扩大内需战略，使发展更多依靠内 需特别是消费需求拉动。大力提振消费，推动消费提质升级，是形成强大国内市场、畅通国内大循环的 关键所在，也有利于集聚全球优质资源要素，促进国内国际双循环，推动高质量发展。 如何提升产品和服务的质量？在市场机制作用下，企业自身有提质升级的内在动力，但一些中小微企业 受资金、技术制约，心有余而力不足。政府部门应加快建设质量基础设施公共服务平台，面向企业和市 场提供一站式、一体化服务。数据显示，"十四五"时期，参与质量认证提升行动的小微企业年度利润率 平均提升约8％，质量成本平均下降约6％，提升产品和服务品质的同时也提振了发展信心。 大力提振消费，要提高数量，更要提升质量。以产品和服务质量的提升带动消费需求释放，进而更好地 满足人民对美好生活的向往，为推动我国经济社会高 ...

国金证券首席经济学家宋雪涛表示，今年的中央经济工作会议确定明年经济工作首要任务为"坚持内需 主导，建设强大国内市场"。通过提振消费"组合拳"、加快补齐内需短板是明年经济增长的主动力和稳 定锚。宋雪涛表示，增强居民消费能力是提振消费的关键，核心在于推动重点群体增收减负。在增收方 面，通过促进就业、完善社会保障体系、优化收入分配结构等一系列举措，稳步扩大中等收入群体规 模，推动形成橄榄型分配格局，进而提高居民整体消费倾向。减负方面，持续完善教育、医疗、住房等 公共服务体系至关重要。通过发放育儿补贴、推动免费学前教育、推广养老服务消费补贴、提高城乡居 民基本养老金等举措落实"投资于人"，是增强居民消费能力的重要抓手。宋雪涛还提到，培育新型消费 有望成为明年提振消费的新抓手。发改委近日明确表示，将"加快出台实施首发经济、赛事经济、电子 商务、'人工智能 +'消费等领域提振消费的政策，大力发展银发经济和冰雪经济"，这些领域有望成为明 年消费的重要增量。 ...

12月15日，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，1-11月，规模以上装备制造业增加值同比增长9.3%，占全部规模以上工业的比重达到36.4%，其 中汽车制造业增加值增长11.8%。 从产品看，1-11月，汽车产量增长10.8%。新型消费稳步成长，引领作用日益显现。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 recent notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration aims to strengthen the collaboration between commerce and finance to boost consumer spending and enhance financial support for consumption [1]. Group 1: Financial Support for Consumption - Local governments are encouraged to collaborate with financial institutions to develop specialized work plans and enhance communication mechanisms, thereby increasing financial supply in the consumption sector [1]. - Financial institutions are urged to partner with platforms and key merchants to improve payment services such as installment payments, credit cards, mobile banking, and digital RMB, catering to consumer upgrade demands [1]. - The notice emphasizes the need to expand the customer base while ensuring compliance and risk control, particularly targeting "long-tail" customers to enhance accessibility and convenience [1]. Group 2: Promotion of Consumption Policies - The notice calls for the utilization of both commerce and finance channels to promote existing financial support measures for consumption, encouraging enterprises and consumers to fully leverage policy benefits [1]. - Financial consumer rights protection is highlighted, guiding consumers towards rational borrowing and consumption [1]. Group 3: Focus on Key Consumption Areas - There is a push to enhance financial services for durable goods and digital products, aiming to unlock potential in product consumption upgrades [4]. - The notice encourages the development of financial products and services tailored to service consumption sectors such as home services, hospitality, entertainment, education, tourism, and elderly care [5]. - New consumption models, including green consumption and digital consumption, are to be supported through innovative financial services that align with local conditions [6]. Group 4: Integration of Financial Services - The integration of financing, settlement, and insurance services is encouraged to support new consumption scenarios and enhance the financial backing for various commercial activities [7]. - Financial institutions are urged to actively participate in local consumption promotion activities organized by business authorities [8].

Core Viewpoint - The joint notification from the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau aims to strengthen collaboration between commerce and finance to boost and expand consumption in China [1][2]. Group 1: Policy Measures - The notification outlines 11 policy measures across three main areas, encouraging the synergy of government, finance, and enterprises to promote consumption through diverse activities and information sharing [1][2]. - Local commerce departments are encouraged to utilize existing funding channels to conduct consumption promotion activities, enhancing the effectiveness of financial support [2]. - The notification emphasizes the importance of financial institutions in supporting key consumption areas, including health, culture, and new consumption fields like digital and green consumption [2][3]. Group 2: New Consumption Development - The notification promotes the development of new consumption models, focusing on risk control and commercial sustainability, and encourages financial support for emerging sectors such as green and digital consumption [2][3]. - It highlights the role of digital RMB smart contracts and improved inbound payment convenience to empower cities with active consumption ecosystems [3]. Group 3: Upgrading Consumption - The notification calls for enhanced financial services for durable goods and digital products, aiming to meet consumer demand for upgrades [4]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment services, including installment plans and digital RMB [4]. - Policies supporting trade integration and cross-border supply chain financing are emphasized to facilitate the entry of quality foreign products into the domestic market [4]. Group 4: Economic Context - The notification is part of broader macroeconomic policies aimed at stabilizing the economy and promoting domestic demand, with recent indicators showing positive trends in consumer prices and production [5]. - The Ministry of Commerce plans to work with financial authorities to ensure the effective implementation of these measures, contributing to a strong start for the 14th Five-Year Plan [5].

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need for financial institutions to enhance support for expanding domestic demand, with a focus on boosting consumption through coordinated efforts between business and finance [1]. Financial Support for Key Consumption Areas - Financial support will be increased for key areas of consumption, including upgrading product consumption, expanding service consumption, and fostering new types of consumption [2][3][4]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment services and better meet consumer needs for upgrading products [5]. - Personal consumption loans will be developed with differentiated policies on amounts, terms, and interest rates based on customer creditworthiness [5]. Collaboration Between Business and Finance - Local business departments and financial management departments are urged to strengthen communication and collaboration to address challenges in implementing financial support for consumption [9]. - Financial institutions are encouraged to develop specific action plans and implement policies to support consumption [9]. - The integration of financial support with local consumption promotion activities is encouraged to stimulate consumer potential [9]. Innovation in Financial Products and Services - Financial products and services will be innovated to better fit the characteristics of service consumption, including sectors like hospitality, entertainment, and education [12]. - New financial services will be developed to support emerging consumption trends such as green consumption, digital consumption, and AI-driven consumption [13]. - Financial institutions are encouraged to create tailored financial products for rural areas and support local consumption initiatives [10][14]. Promotion of Consumption Activities - Financial institutions are encouraged to actively participate in local consumption promotion activities and develop specialized products to reach more consumers [15]. - The use of digital currency and smart contracts is promoted to enhance the efficiency of consumption subsidy policies [15]. - Collaboration between financial institutions and merchants is encouraged to develop financial products that cater to the unique needs of the consumption industry [15]. Enhancing Rural and County-Level Consumption - Financial services will be tailored to support rural consumption and promote the sale of agricultural products [10]. - Financial institutions are encouraged to provide financing for logistics and distribution centers in rural areas to enhance local commerce [10]. - Support for county-level consumption initiatives will be provided through credit support for local promotional activities [10].

12月12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》（以下简称《通知》），提出3方面11条政策措施。 时政要闻 商务部等三部门：加大消费重点领域金融支持，因地制宜推动新型消费发展 《通知》提出，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"。 《通知》提出，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。 《通知》提出，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。 国家发改委：发挥新型政策性金融工具作用，完善重点行业产能治理和重大基础设施调控 12月 ...

中新社北京12月15日电 (记者 陈溯)中国国家统计局15日公布，11月全国社会消费品零售总额同比增长 1.3%。国家统计局新闻发言人付凌晖当天表示，近期社会消费品零售总额增速有所回落，主要因为去 年同期基数较高。从累计增速来看，今年社会消费品零售总额增长好于去年。 来源：中国新闻网 国家统计局：今年中国社会消费品零售总额累计增长好于去年 付凌晖在国务院新闻办公室举行的发布会上表示，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，带动了消费潜能释放。1至11月，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。 从11月份情况看，付凌晖表示，中国市场销售继续扩大，服务消费增长较快，新型消费继续壮大。 付凌晖表示，1至11月，中国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，且快于商品零售额增速，这意味着服务消费在全部消费中的比重提升。中国居民精神文化需求不断 扩大。1至11月，文体休闲服务类零售额保持两位数增长，网络影视等网上娱乐消费持续活跃，服务消 费潜力继续释放。 此外，新型消费稳步成长，线上消费、新兴消费发展向好。1至11月，实物商品 ...

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need for financial institutions to enhance support for expanding domestic demand, with a focus on boosting consumption through coordinated efforts between commerce and finance [1][10]. Group 1: Financial Support for Consumption - Financial support will be increased in key areas of consumption, including upgrading product consumption and expanding service consumption [1][2]. - Innovative financial products and services will be developed to cater to the characteristics of service consumption, such as home services, hospitality, and entertainment [2][4]. - The development of financing services for intangible assets like intellectual property and technology achievements will be prioritized, along with tailored financial products for small and micro enterprises [4]. Group 2: New Consumption Models - Financial institutions are encouraged to collaborate with platforms and key merchants to enhance payment options like installment plans and digital currencies, addressing consumer upgrade needs [6]. - There will be a focus on developing new consumption scenarios, including green consumption, digital consumption, and AI-driven consumption [7]. - Financial services will be integrated to support new business models and consumption activities, such as "Buy in China" initiatives and the development of urban consumption centers [7]. Group 3: Rural and County-Level Consumption - Financial support will be provided for county-level consumption initiatives, including seasonal commercial activities and rural product sales [11]. - The development of rural logistics and cold chain facilities will be supported through targeted financing [11]. - Financial institutions are encouraged to participate in local consumption promotion activities, offering tailored products and services to enhance consumer engagement [11].

新华财经北京12月15日电（记者安娜）消费不仅关系着经济发展，也和民生改善紧密相关。记者15日从 国家统计局获悉，1至11月份，我国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。 "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。"国家统计局新闻发言人付凌晖当日在国新办发布会 上说。 二是商品消费持续扩大，品质消费带动增强。促消费政策效果继续显现，11月份限额以上单位文化办公 用品类、通讯器材类商品零售额同比分别增长11.7%和20.6%，继续保持较快增长。消费品质要求逐步 提升，食品等基本生活消费较快增长。11月份限额以上单位粮油食品类零售额同比增长6.1%。在消费 升级带动下，美容化妆、金银饰品等相关商品销售增势较好。11月份限额以上单位化妆品类、金银珠宝 类商品零售额同比分别增长6.1%、8.5%。 三是新型消费稳步成长，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至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 ...