付凌晖表示，总的看，11月份消费市场总体平稳，消费规模继续扩大，服务消费较快增长，消费提质升级态 势持续。我国消费稳步扩大是人均GDP超过1万美元、消费结构升级发展的必然表现，也是促消费政策持续发 力、消费潜能释放的结果，还是新技术新模式广泛渗透、消费新增长点不断涌现的反映。但也要看到，居民 消费能力和信心有待进一步提升，消费增长内生动力仍需增强。下阶段，要继续深入实施提振消费专项行 动，着力稳就业促增收，积极扩大优质供给，大力优化消费环境，不断释放消费潜力，促进消费市场持续稳 定健康发展。 【大河财立方消息】12月15日，国务院新闻办公室举行新闻发布会，介绍2025年11月份国民经济运行情况。 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介绍，11月份消费市场总体平稳，消费 规模继续扩大，服务消费较快增长，消费提质升级态势持续。但也要看到，居民消费能力和信心有待进一步 提升，消费增长内生动力仍需增强。下阶段，要继续深入实施提振消费专项行动，着力稳就业促增收，积极 扩大优质供给，大力优化消费环境，不断释放消费潜力。 付凌晖表示，消费不仅关系着经济发展，也和民生改善紧密相关。今年以来，提振消费专 ...

每经AI快讯，据中国网直播，12月15日，国家统计局新闻发言人付凌晖表示，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，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。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。近期社会消费品零售总额增速有所回落，主要是因为去年同期基数较高。从累计增速来 看，今年的社会消费品零售总额增长好于去年。从11月份情况来看，市场销售继续扩大，服务消费增长 较快，新型消费继续壮大。 每经AI快讯，据中国网直播，12月15日，国家统计局新闻发言人付凌晖表示，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，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。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。近期社会消费品零售总额增速有所回落，主要是因为去年同期基数较高。从累计增速来 看，今年的社会消费品零售总额增长好于去年。从11月份情况来看，市场销售继续扩大，服务消费增长 较快，新型消费继续壮大。 ...

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]

国家统计局新闻发言人付凌晖在发布会上表示，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，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。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。近期社会消费品零 售总额增速有所回落，主要是因为去年同期基数较高。从累计增速来看，今年的社会消费品零售总额增 长好于去年。从11月份情况来看，市场销售继续扩大，服务消费增长较快，新型消费继续壮大。 （文章来源：第一财经） ...

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 joint 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 consumption significantly [1][2]. Group 1: Policy Measures - The notice outlines 11 policy measures across three main areas: enhancing collaboration between commerce and finance, increasing financial support for key consumption areas, and expanding cooperation among government, finance, and enterprises [2][4]. - It emphasizes the need for local departments to improve communication and collaboration, encouraging the establishment of mechanisms to address challenges in financial support for consumption [4][5]. Group 2: Financial Support for Consumption - Financial institutions are encouraged to focus on five key areas: upgrading product consumption, expanding service consumption, fostering new consumption types, innovating diverse consumption scenarios, and supporting consumption assistance [2][7]. - Specific measures include enhancing financial services for durable goods and digital products, improving loan policies for personal consumption, and supporting cross-border trade financing [7][8]. Group 3: Government-Finance-Enterprise Cooperation - The notice promotes joint consumption activities organized by local commerce departments and financial institutions, aiming to reach more businesses and consumers [11]. - It encourages the sharing of information and resources between local departments and financial institutions to facilitate precise service delivery and enhance credit construction in the consumption sector [12].

最近，商务部、央行、金融监管总局联合发布了一份重磅文件：《关于加强商务和金融协同，更大力度 提振消费的通知》。 一句话概括这份文件的核心思路就是：金融，要更直接、更主动地为"多花钱"这件事服务。这对金融市 场，尤其是A股，意味着什么？我们慢慢拆。 这份《通知》里，一共提出了3个方面、11条措施，内容很多，但如果从金融视角来看，其实逻辑非常 清楚：想尽一切办法，把消费信心、消费能力和消费场景重新激活。 而金融系统，是这次发力的"关键工具人"。 第一条主线：商品消费，要花得动钱，这次文件里，对商品消费的支持给得非常细、也非常直接。比 如：大宗耐用品、数码产品，汽车以旧换新等等，核心就一件事：让消费者买东西时，金融跟得上、撑 得住、成本更低。 政策明确要求：消费贷款额度更灵活，期限可以拉长，利率要更差异化，甚至连提前还车贷的违约金， 都可以适当减免。 政策明确提出，要让金融产品更贴近消费场景，而不是只停留在给贷款。 比如：服务消费专项贷款，养老再贷款，知识产权、科技成果等"无形资产"也能融资，商业保险、健康 险、年金险配套跟上。 这其实是在为服务业修复、就业稳定打基础。而这，对整个经济和资本市场都是正反馈。 第三条 ...

Core Viewpoint - The article discusses a joint notification issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau aimed at boosting consumption through enhanced collaboration between commerce and finance sectors. Group 1: Policy Measures - The notification outlines 11 policy measures across three main areas focusing on product consumption, service consumption, and new consumption types, emphasizing the need for strong mechanisms and implementation [2][4][5]. - Local departments are encouraged to strengthen communication and collaboration, utilizing financial and social capital to stimulate consumption [2][7]. Group 2: Financial Support for Consumption - Financial institutions are urged to optimize their services around five key areas: upgrading product consumption, expanding service consumption, nurturing new consumption types, innovating diverse consumption scenarios, and supporting consumption assistance [4][5]. - Specific measures include enhancing financial services for durable goods and digital products, and developing tailored loan products based on consumer credit profiles [4][6]. Group 3: New Consumption Development - The notification promotes the development of new consumption types, including green, health, and digital consumption, while encouraging financial institutions to explore innovative financial services [6][8]. - It emphasizes the integration of financing, settlement, and insurance services to support new consumption scenarios and enhance the overall consumer experience [6][7]. Group 4: Government-Financial-Enterprise Collaboration - The notification encourages a collaborative approach among government, financial institutions, and businesses to conduct diverse promotional activities and share information effectively [7][8]. - Financial institutions are advised to participate in local consumption promotion activities and customize services to meet specific local needs [7][8]. Group 5: Implementation and Future Steps - The Ministry of Commerce plans to guide local departments and financial institutions in implementing these measures effectively, aiming to support consumer welfare and stimulate consumption for a strong economic start [8].

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] 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 diverse financial services for new consumption models, including green consumption and digital consumption [7] - Financial support will be directed towards initiatives that promote local consumption and rural development, including financing for logistics and agricultural product sales [11] Group 3: Consumer Engagement and Incentives - Financial institutions are urged to participate in local promotional activities to reach more businesses and consumers, offering tailored financial solutions [11] - The use of digital currency smart contracts and consumer vouchers will be encouraged to facilitate efficient fund circulation and targeted support [11] - Collaboration between financial institutions and merchants will be promoted to create financial products that align with the characteristics of the consumption industry [11]

Core Viewpoint - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration have issued a notification aimed at enhancing collaboration between commerce and finance to boost consumption, outlining 11 policy measures across three main areas [1]. Group 1: Upgrading Commodity Consumption - The notification emphasizes the enhancement of financial services for durable goods and digital products, aiming to unlock the potential for commodity consumption upgrades [3]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment options such as installment plans, credit cards, mobile banking, and digital currency, catering to consumer demand for upgrades [3]. - Policies will be implemented to rationally determine loan issuance ratios, terms, and interest rates based on customer repayment ability and credit status, while also expediting the development of personal consumption loans [3]. Group 2: Encouraging Local Consumption Initiatives - Local commerce authorities are urged to leverage existing funding channels to actively promote consumption activities, aligning financial support to better stimulate consumption potential [4]. - The use of digital currency smart contracts is encouraged to enhance the effectiveness of consumption promotion policies [4]. - Various financial support methods, such as loan interest subsidies and risk compensation, will be explored to guide credit funds towards key consumption areas [4]. Group 3: Fostering New Consumption Models - The notification calls for the development of new consumption models tailored to local conditions, focusing on sustainable and controllable risks while exploring financial support for emerging economic sectors like green and digital consumption [5]. - Financial institutions are encouraged to collaborate with social e-commerce and live-streaming platforms to create internet-adapted business models [5]. - There is a push for financial services to be more accessible to a broader customer base, including underserved segments, enhancing convenience and availability [5]. Group 4: Innovating Diverse Consumption Scenarios - The notification supports the integration of financing, settlement, and insurance services to foster new consumption scenarios, enhancing financial support for various commercial activities and urban development projects [6]. - Financial institutions are encouraged to engage in rural e-commerce development and support local consumption initiatives, particularly in agricultural product sales [6]. - There is a focus on improving financing for logistics and distribution centers in rural areas to meet the credit needs of cold chain logistics projects [6].