Core Viewpoint - The notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau emphasizes the need to strengthen collaboration between commerce and finance to boost consumption significantly [1][4]. Group 1: Strengthening Collaboration - Local commerce departments and financial management departments are encouraged to enhance communication and establish a coordinated working mechanism to address challenges in financial support for consumption expansion [4][5]. - Financial institutions are urged to align their resources and services with existing policies to actively support consumption growth [5][11]. Group 2: Financial Support for Key Consumption Areas - The notice highlights the importance of increasing financial support for service consumption, particularly in sectors like home services, hospitality, entertainment, education, tourism, and elderly care [2][8]. - Financial products and services should be innovated to better integrate into consumption scenarios and ecosystems, promoting the use of loans and financing for service-oriented businesses [2][8]. Group 3: New Consumption Models - The document encourages the development of new consumption models, including green consumption, digital consumption, and AI-driven consumption, while ensuring risk control and commercial sustainability [9]. - Financial institutions are advised to collaborate with e-commerce platforms and social media to create tailored financial services that cater to the unique characteristics of online shopping [9]. Group 4: Promoting Consumption Activities - Financial institutions are encouraged to participate in local consumption promotion activities, offering specialized products and services to reach a broader consumer base [11][12]. - The notice suggests the use of digital currency and smart contracts to enhance the efficiency of subsidy distribution and targeted policies [11]. Group 5: Information Sharing and Consumer Protection - Local commerce departments are tasked with creating a list of key projects in the consumption sector to facilitate information sharing with financial institutions, ensuring precise service delivery [12]. - The importance of consumer rights protection is emphasized, guiding consumers towards rational borrowing and spending practices [12].

Core Viewpoint - The joint notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau 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 cooperation mechanisms, encouraging the integration of fiscal funds, credit, and social capital to implement specific measures effectively [2][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 service consumption policies, and promoting new consumption models such as green and digital consumption [7][9]. Group 3: Government-Finance-Enterprise Cooperation - The notice encourages joint promotional activities for consumption, urging financial institutions to participate in local initiatives and develop tailored financial products to meet diverse consumer needs [2][11]. - It also highlights the importance of information sharing between local commerce departments and financial institutions to facilitate precise service delivery and enhance credit availability in the consumption sector [11][12].

12月14日，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》，提出3方面11条政策措施，全文如下： 商务部办公厅中国人民银行办公厅金融监管总局办公厅关于加强商务和金融协同更大力度提振消费的通 知 商办财函〔2025〕447号 各省、自治区、直辖市及计划单列市、新疆生产建设兵团商务主管部门，中国人民银行上海总部，各 省、自治区、直辖市及计划单列市分行，金融监管总局各监管局，各政策性银行、大型银行、股份制银 行，各保险集团（控股）公司、保险公司： 为深入贯彻党中央、国务院决策部署，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，现将有关事项通知如下： 一、深化商务和金融系统协作 （一）完善协作机制。地方商务主管部门与金融管理部门加强沟通交流和分工协作，结合实际情况建立 健全协调工作机制，推动解决金融支持扩消费工作落实中遇到的困难和问题。鼓励有条件的地方与金融 机构健全沟通合作机制、推出专门工作方案等，引导金融机构依据市场化、法治化原则，丰富金融产品 和服务，加大对消费领域的金融供给。 （六）培育新型消费。因地制宜推 ...

Core Viewpoint - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration have issued a notification to strengthen the collaboration between commerce and finance to boost consumption [1] Group 1: Policy Coordination - The notification emphasizes the need for policy synergy, encouraging local commerce departments to utilize existing funding channels to actively promote consumption activities [1] - It suggests that localities should explore various methods such as financing guarantees, loan interest subsidies, and risk compensation to enhance the collaboration between fiscal, commerce, and financial policies [1] Group 2: Digital Currency and New Consumption Areas - The notification encourages qualified localities to use digital RMB smart contract red envelopes to improve the effectiveness of consumption promotion policies [1] - It highlights the importance of supporting key consumption projects in areas such as health and wellness, cultural tourism, and new consumption fields like digital and green sectors [1] Group 3: Financial Institutions' Role - Banks and non-bank financial institutions are encouraged to leverage their unique strengths and collaborate in consumption promotion activities to enhance the quality and upgrade of consumption [1]

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 enhancing collaboration between commerce and finance to boost consumption through 11 specific policy measures [1][2]. Group 1: Strengthening Collaboration - The notification emphasizes the need for local commerce and financial departments to improve communication and collaboration, establishing mechanisms to address challenges in financial support for consumption [2][3]. - It encourages local authorities to utilize existing funding channels and conduct promotional activities to stimulate consumption, leveraging digital currency and various financial instruments [3][4]. Group 2: Financial Support for Key Consumption Areas - Financial institutions are urged to enhance services for durable goods and digital products, facilitating consumer financing options such as installment payments and credit cards [4][5]. - There is a focus on expanding service consumption by innovating financial products tailored to sectors like hospitality, education, and healthcare, thereby increasing financial accessibility for service providers [5][6]. - The notification promotes the development of new consumption models, including green and digital consumption, and encourages financial institutions to collaborate with e-commerce platforms [6][7]. Group 3: Expanding Government-Finance-Enterprise Cooperation - The notification advocates for joint promotional activities between financial institutions and local commerce departments to reach more consumers and businesses [8][9]. - It highlights the importance of information sharing between local commerce departments and financial institutions to facilitate precise service delivery and enhance credit availability for small and micro enterprises [9][10].

新京报贝壳财经讯 12月14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》），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，提出3方面11条政策措施。 其中，在培育新型消费方面，通知提出，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、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。 ...

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。 12月14日，据商务部网站，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》）。《通知》提出3方面11条政策措施： 一是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"。 二是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。 三是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。 一、深化商务和金融系统协作 （一）完善协作机制。地方商务主管部门与金融管理部门加强沟通交流和分工协作，结合 ...

Core Viewpoint - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration have issued a notification to enhance collaboration between commerce and finance, aiming to boost consumption through increased financial support in key areas [1][2]. Group 1: Strengthening Collaboration - Local commerce departments and financial management authorities are encouraged to improve communication and establish coordination mechanisms to address challenges in financial support for consumption [1]. - Financial institutions are urged to develop specific implementation guidelines and conduct special actions to support consumption based on existing policies [1][2]. Group 2: Financial Support for Key Consumption Areas - There is a focus on upgrading consumer goods, particularly durable goods and digital products, by enhancing financial services and facilitating consumer financing options [3]. - The notification emphasizes the need to expand service consumption by innovating financial products tailored to sectors like hospitality, education, and healthcare [4]. Group 3: Promoting New Consumption Models - The initiative encourages the development of new consumption types, including green and digital consumption, by providing diverse financial services [5]. - Financial institutions are advised to collaborate with e-commerce platforms to create business models that cater to online consumer behavior [5]. Group 4: Enhancing Government-Finance-Enterprise Cooperation - Financial institutions are encouraged to participate in local consumption promotion activities, offering tailored financial products and services to reach more consumers [7]. - There is a call for improved information sharing between local commerce departments and financial institutions to facilitate precise financing services [8]. Group 5: Publicity and Consumer Guidance - The notification highlights the importance of promoting existing financial support policies to both enterprises and consumers, ensuring they can effectively utilize these benefits [8]. - It also stresses the need for consumer protection and guidance on responsible borrowing and consumption practices [8].

Core Viewpoint - The article emphasizes the need for enhanced collaboration between commerce and finance sectors to stimulate and expand consumer spending through a series of targeted policy measures [1][2]. Group 1: Strengthening Collaboration - Local commerce departments and financial management authorities are encouraged to improve communication and establish a coordinated working mechanism to address challenges in implementing financial support for consumption [2][3]. - Financial institutions are urged to align their resources and services with existing policies to actively support consumer spending initiatives [3]. Group 2: Financial Support for Key Consumption Areas - The focus is on upgrading product consumption by enhancing financial services for durable goods and digital products, including installment payments and credit card services [4][5]. - There is a push to expand service consumption by innovating financial products tailored to sectors like hospitality, entertainment, and education, thereby increasing financial accessibility [5][6]. - New consumption models are to be fostered, including green and digital consumption, with financial institutions encouraged to collaborate with e-commerce platforms [6][7]. Group 3: Promoting Consumption Assistance - Initiatives to boost rural consumption and support local agricultural products are highlighted, with financial services tailored to rural logistics and distribution needs [6][8]. - Financial institutions are encouraged to participate in local consumption promotion activities, offering tailored financial products and services to enhance consumer engagement [7][8]. Group 4: Information Sharing and Promotion - The establishment of a project list for key consumption areas is recommended to facilitate information sharing between local commerce departments and financial institutions [7][8]. - There is a call for effective promotion of existing financial support policies to ensure that businesses and consumers can fully utilize available benefits [8].

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need for financial institutions to enhance support for expanding domestic demand, leading to the issuance of a notification aimed at boosting consumption through coordinated efforts between commerce and finance [2][3]. Group 1: Strengthening Collaboration Between Commerce and Finance - Local commerce departments and financial management authorities are encouraged to improve communication and establish coordination mechanisms to address challenges in implementing financial support for consumption [3][4]. - Financial institutions are urged to align their resources and develop specific implementation guidelines to support consumption expansion, following existing policy frameworks [4][5]. - Local authorities are encouraged to utilize existing funding channels to promote consumption activities, leveraging digital currency and various financial instruments to enhance policy effectiveness [4][6]. Group 2: Increasing Financial Support for Key Consumption Areas - Financial services for durable goods and digital products are to be enhanced, with a focus on installment payments and credit services to meet consumer upgrade demands [5][6]. - A comprehensive policy support system for service consumption is to be established, promoting innovation in financial products tailored to sectors like hospitality, education, and tourism [6][7]. - New consumption models, including green and digital consumption, are to be explored, with financial institutions encouraged to collaborate with e-commerce platforms to develop suitable business models [7][8]. Group 3: Expanding Government-Financial-Enterprise Cooperation - Financial institutions are encouraged to participate in local consumption promotion activities, offering tailored products and services to reach a broader consumer base [9][10]. - Information sharing mechanisms are to be established to facilitate better alignment between financial institutions and local commerce departments, enhancing the precision of financial services [9][10]. - Promotion of consumer rights and rational borrowing practices is emphasized, alongside the need for regular updates on the progress of financial support for consumption [10][11].