民生银行自扎根燕赵大地27年来，始终坚守"服务大众、情系民生"的企业使命，聚焦"民营企业的银 行、敏捷开放的银行、用心服务的银行"战略定位，坚持与国家战略同频，与区域发展共振，用心用情 服务河北省经济社会发展大局。 截至目前，民生银行石家庄分行营业网点达120家，客户服务触角不断延伸，已累计服务个人客户570万 余户、中小微客户20万余户、公司客户2万余户，真正把便民、惠民、利民的金融服务带到客户身边， 助力河北省高质量发展。 胸怀国之大者，全力服务重大战略取得新进展 京津冀协同发展、雄安新区建设等国家重大战略在河北省相继落地，成为推动区域协调发展、打造新增 长极的核心引擎。民生银行石家庄分行将服务重大战略作为践行"国之大者"的使命担当，为保障国家重 大战略由蓝图变为现实注入源源不断的金融活水。 坚持金融为民，用心书写服务民生改善新篇章 全力支持京津冀协同发展。民生银行总行层面成立京津冀地区业务发展委员会，集总行以及北京、天 津、石家庄三家分行之力，对于涉及京津冀协同发展的重大项目，配置"五位一体"业务团队，实现快速 响应、快速落地。截至11月末，该行累计投放各项贷款270亿元，助力京津冀交通一体化等重大项目 ...

大力提振消费，深入实施提振消费专项行动，继续安排资金支持消费品以旧换新；积极扩大有效投资， 加大对新质生产力、人的全面发展等重点领域投入；加快推进全国统一大市场建设，规范税收优惠、财 政补贴政策……会议围绕明年财政支持扩大内需作出部署。 "我国内需市场潜力巨大，财政要在扩大内需、畅通经济循环中积极发挥作用。"财政部部长蓝佛安在会 上说。 据新华社电 12月27日至28日，全国财政工作会议在北京举行。会议指出，明年将扩大财政支出盘子， 确保必要支出力度；优化政府债券工具组合，更好发挥债券效益；提高转移支付资金效能，增强地方自 主可用财力；持续优化支出结构，强化重点领域保障；加强财政金融协同，放大政策效能。 此次会议还明确了明年财政工作的6方面重点任务。其中包括坚持内需主导，支持建设强大国内市场； 支持科技创新和产业创新深度融合，加快培育壮大新动能；推进城乡融合和区域联动，拓展发展空间。 同时，明年财政重点工作还将聚焦以下方面：进一步强化保基本、兜底线，切实加强民生保障；推动经 济社会发展全面绿色转型，加快建设美丽中国；加强国际财经交流合作，支持扩大高水平对外开放。 蓝佛安说，明年财政将促进居民就业增收，支持办好 ...

(一) 历史，往往在经过时间沉淀后可以看得更加清晰。 中国打赢脱贫攻坚战的重大意义正日益彰显，这是中国式现代化进程中的重要里程碑，标志着实现全体 人民共同富裕迈出了坚实的一大步，对促进世界现代化产生着深远影响。 "十五五"规划建议牢牢把握共同富裕的目标要求，围绕保障和改善民生部署一批均衡性、可及性强的政 策举措。中央经济工作会议提出"必须坚持投资于物和投资于人紧密结合"，要求"持续巩固拓展脱贫攻 坚成果"。 "十四五"时期，民生领域财政投入占全国一般公共预算支出70%以上。推动更多资金资源"投资于人"， 体现的是民生为大的发展旨归。 当此之际，我们再次学习领会习近平总书记2024年11月在二十国集团领导人里约热内卢峰会上发表的关 于"抗击饥饿与贫困"议题重要讲话《建设一个共同发展的公正世界》，更加深刻领悟到中国共产党人的 初心使命。 "中国始终坚持以人民为中心，庄严承诺'决不能落下一个贫困地区、一个贫困群众'。" "我先后在中国的村、县、市、省、中央工作，扶贫是工作的一个重要内容，也是我立志要办成的一件 大事。" "中国可以成功，其他发展中国家同样可以成功。这是中国成功打赢脱贫攻坚战的世界意义。" "立志要办 ...

Core Viewpoint - The Chinese government plans to implement a more proactive fiscal policy in 2026, focusing on expanding fiscal expenditure and optimizing spending structures to support economic growth and ensure a strong start to the "14th Five-Year Plan" [1] Group 1: Fiscal Policy and Economic Growth - The government aims to enhance domestic demand and support the construction of a robust domestic market, with a strong emphasis on boosting consumption through various initiatives [1] - Plans include funding for consumer incentives, optimizing personal consumption loan interest subsidies, and promoting new consumption models [1][2] - There will be a continued focus on effective investment in key areas such as new productivity and comprehensive human development [1] Group 2: Infrastructure and Social Welfare - Fiscal funds will be directed towards infrastructure investments and social welfare to reduce consumer concerns and stimulate spending [2] - The issuance of long-term special government bonds is expected to support major national projects and increase investment demand [2] - There will be a shift in fiscal spending towards improving living standards and enhancing consumer confidence [2] Group 3: Technological and Industrial Innovation - The government plans to increase fiscal investment in technology and strengthen the role of enterprises in innovation [2] - Policies will be implemented to support the integration of technological and industrial innovation, including financial incentives for technology adoption and application [2] - The focus will be on developing a modern industrial system and promoting high-quality development in key manufacturing sectors [2] Group 4: Social Security and Regional Development - Strengthening social security and ensuring basic living standards will be a priority, with measures to increase residents' income through various channels [3] - The government will promote urban-rural integration and regional coordination, supporting rural revitalization and enhancing agricultural productivity [3] - Fiscal policies will be adjusted to facilitate public services that are portable and accessible, promoting coordinated development in major regions [3]

来源：人民日报客户端，记者：曲哲涵 全国财政工作会议日前在北京召开。会议强调，2026年要继续实施更加积极的财政政策，扩大财政支出 盘子，确保必要支出力度；同时，持续优化支出结构，强化重点领域保障，提高政策精准度和有效性， 推动经济实现质的有效提升和量的合理增长，保持社会和谐稳定，为实现"十五五"良好开局提供有力保 障。 会议强调，2026年要坚持内需主导，支持建设强大国内市场。"我国内需市场潜力巨大，财政要在扩大 内需、畅通经济循环中积极发挥作用。"财政部部长蓝佛安表示，2026年将大力提振消费，深入实施提 振消费专项行动。继续安排资金支持消费品以旧换新，调整优化补贴范围和标准；优化个人消费贷款贴 息及服务业经营主体贷款贴息政策；支持发展消费新业态新模式，促进服务消费。同时，积极扩大有效 投资，加大对新质生产力、人的全面发展等重点领域投入。加快推进全国统一大市场建设，规范税收优 惠、财政补贴政策。 ...

Core Viewpoint - The article emphasizes that expanding domestic demand and opening up are not contradictory but rather mutually reinforcing elements that together drive sustainable economic development [1] Group 1: Economic Development - A smooth domestic circulation creates a gravitational field for global resources, facilitating a new development pattern that promotes both domestic and international dual circulation [1] - Historical evidence shows that periods of rapid economic growth in China coincide with coordinated expansion of domestic demand and openness [1] Group 2: Market Dynamics - The relationship between domestic demand and openness is characterized by a positive feedback mechanism, where increased market competition from openness enhances high-quality domestic supply [1] - A large domestic demand scale provides more negotiation leverage and cooperation opportunities for expanding openness [1] Group 3: Policy Recommendations - To effectively manage the relationship between expanding domestic demand and openness, a higher-level dynamic balance is required, driven by demand pulling supply and supply creating demand [1] - During the expansion of domestic demand, it is crucial to adhere to market-oriented reforms, breaking industry monopolies and local protectionism to ensure growth is based on efficiency and innovation [1] - When expanding openness, it is essential to balance development and security within a comprehensive risk prevention framework to ensure stable and sustainable economic progress [1]

Group 1 - The relationship between expanding domestic demand and opening up is crucial for China's economic response to various internal and external risks, ensuring a good start for the "14th Five-Year Plan" and achieving high-quality development [1] - Domestic demand is the fundamental driving force for China's economic development, with the central economic work conference prioritizing "domestic demand as the mainstay, building a strong domestic market" as a key task for 2026 [1] - High-level opening up is an important engine for economic growth, supporting modernization and reform, and will continue to be a strong backing for Chinese-style modernization in the future [1] Group 2 - Expanding domestic demand and opening up are not contradictory; they are mutually reinforcing and form an organic unity that drives sustainable economic development [2] - A smoother domestic circulation enhances the attraction of global resources, facilitating the construction of a new development pattern that promotes both domestic and international dual circulation [2] - Historical growth periods in China's economy have coincided with coordinated expansion of domestic demand and opening up, highlighting the need for a balanced approach in the face of globalization challenges [2] Group 3 - Achieving a higher-level dynamic balance between demand-driven supply and supply-creating demand is essential, requiring market-oriented reforms to break industry monopolies and local protectionism [3] - Expanding domestic demand should be based on efficiency improvement and innovation, while opening up must balance development and security within a robust risk prevention framework [3]

Core Viewpoint - The Chinese government plans to implement a more proactive fiscal policy in 2026, focusing on expanding fiscal expenditure and optimizing spending structures to support economic growth and ensure a strong start to the "14th Five-Year Plan" [1] Group 1: Fiscal Policy and Economic Growth - The government aims to enhance domestic demand and support the construction of a robust domestic market, with a strong emphasis on boosting consumption through various initiatives [1] - Plans include funding for consumer incentives, optimizing personal consumption loan interest subsidies, and promoting new consumption models [1] - There will be increased investment in key areas such as new productivity and comprehensive human development, alongside efforts to establish a unified national market [1] Group 2: Infrastructure and Social Welfare - Continued issuance of long-term special government bonds is expected to support major national projects, ensuring sustained investment demand and improving living standards [2] - Fiscal spending will be directed towards social welfare, with a focus on enhancing residents' income and improving consumption willingness [2] - The government will implement policies to lower financing costs for innovation and service sectors, thereby encouraging technological innovation and consumption [2] Group 3: Technological and Industrial Development - The government plans to increase fiscal investment in technology and strengthen the role of enterprises in innovation [2] - There will be a focus on fostering new productive forces through enhanced fiscal and tax policies, promoting the integration of technological and industrial innovation [2] - Initiatives will include insurance compensation policies for first-time applications and support for high-quality development in key manufacturing sectors [2] Group 4: Social Security and Regional Development - Strengthening basic social security and enhancing urban-rural integration will be priorities, with measures to increase residents' income through various channels [3] - The government will support rural revitalization and improve agricultural productivity, while also promoting new urbanization and regional coordinated development [3] - Fiscal policies will be adjusted to ensure public services are accessible and portable, facilitating urban renewal and regional strategies [3]

Group 1 - The relationship between expanding domestic demand and opening up is crucial for China's economic response to various internal and external risks, ensuring a good start for the "14th Five-Year Plan" and achieving high-quality development [1] - Domestic demand is identified as the fundamental driving force for China's economic development, with the emphasis on "domestic demand as the mainstay" being a top priority in the 2026 economic work tasks set by the Central Economic Work Conference [1] - High-level opening up is seen as a key path to stimulate domestic demand potential and improve its quality, through the introduction of advanced technology, management experience, and competitive mechanisms [1][2] Group 2 - Expanding domestic demand and opening up are not contradictory but are mutually reinforcing elements that together drive sustainable economic development [2] - A smooth domestic circulation enhances the attraction of global resources, facilitating the formation of a new development pattern that promotes both domestic and international dual circulation [2] - Historical experiences indicate that periods of rapid economic growth in China often coincide with coordinated expansion of domestic demand and opening up [2][3] Group 3 - Achieving a higher-level dynamic balance between demand-driven supply and supply-creating demand is essential, which requires market-oriented reforms to break industry monopolies and local protectionism [3] - A comprehensive risk prevention system is necessary to ensure the stability and long-term sustainability of the Chinese economy while expanding both domestic demand and opening up [3]

Core Viewpoint - The concept of "zero debt" is rare among the population, and experts suggest stimulating consumption among this group to boost domestic demand, but there is significant public resistance to the idea of incurring debt [3][20]. Group 1: Zero Debt Population - Only 13.4% of the 175 million individuals born in the 1990s are free from any loans, including mortgages, car loans, and online loans [3]. - The overall percentage of adults living without debt is just 12.3%, indicating that most people carry various debts [6]. - Among young people, a staggering 86.6% are in debt, making the zero debt group a target for consumption stimulation [6]. Group 2: Attitudes Towards Consumption - Individuals who maintain zero debt are cautious and prioritize financial security over impulsive spending [8]. - Many choose to save for emergencies rather than spend on non-essential items, reflecting a mindset shaped by economic uncertainty [10][14]. - The desire to avoid debt is not a rejection of consumption but a preference for meaningful expenditures that enhance quality of life, such as travel and personal development [22]. Group 3: Economic Context and Consumer Behavior - Current economic conditions, including job market volatility and rising living costs, contribute to a reluctance to spend [12][24]. - Experts believe that improving public services related to healthcare and retirement could alleviate concerns and encourage spending [16][24]. - The push for consumer loans and credit card promotions is viewed as counterproductive, as it may pressure individuals to take on debt they do not want [20]. Group 4: Long-term Solutions for Consumption - The key to stimulating consumption lies in building confidence in future income stability and reducing healthcare and retirement worries [26]. - Addressing these fundamental issues will create a more favorable environment for spending, as individuals will feel secure in their financial situations [27].