扩大政金企对接合作 《通知》提出3方面11条政策措施，主要来说，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。 中经记者 慈玉鹏 北京报道 近日，商务部、中国人民银行、国家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》），指导地方相关部门和金融机构加强协同，精准施策推动惠民生和 促消费紧密结合，进一步提振、扩大消费。 《通知》指出，要加快推动个人消费贷款 ...

Core Viewpoint - The Postal Savings Bank of China is actively promoting consumer finance to stimulate domestic demand and enhance consumer spending through various financial services and products [1] Group 1: Consumer Finance Initiatives - The bank has introduced a comprehensive action plan with 16 specific measures aimed at accelerating the development of consumer finance [1] - The bank's Urumqi branch has tailored financial products and optimized service processes to unlock consumer potential and meet both rigid and improvement consumption demands [1] Group 2: Auto Loan Services - The bank focuses on customer needs for low interest rates, quick processing, and simple procedures, implementing a differentiated pricing strategy for auto loans [3] - The bank has established partnerships with over 50 auto dealers and has created six specialized auto branches, facilitating over 200 million yuan in auto loans this year, benefiting more than 700 customers [3] Group 3: Housing Loan Services - The bank has enhanced its service for housing loans by collaborating with real estate associations and offering interest rate discounts to new housing loan customers [5] - This year, the bank has issued over 1 billion yuan in housing loans, helping nearly 2,000 families secure homes [5] Group 4: Consumer Promotion Activities - The bank launched the "Postal Benefits for Thousands of Families" campaign, which includes significant discounts on home appliances, directly responding to consumer needs [6] - The bank has implemented various year-round credit card promotions, resulting in over 100 million transactions and driving nearly 1.7 billion yuan in direct consumer spending [7]

Group 1 - Jiangsu Bank is actively responding to the national consumption boom by launching multiple online promotional measures for the "Double Twelve" shopping festival, investing approximately 3.3 million yuan in marketing expenses to stimulate consumer potential and enhance the consumption market [1] - The bank has partnered with leading payment platforms like Alipay and JD.com to offer exclusive payment discounts, investing around 1.5 million yuan in marketing to effectively lower shopping costs for consumers and boost overall consumption enthusiasm [3] - Jiangsu Bank is focusing on high-ticket consumption scenarios by introducing installment payment discounts and consumer loan benefits, with over 1 million yuan allocated for marketing to support large-scale transactions and facilitate consumption upgrades [5] Group 2 - To enhance travel-related financial services, Jiangsu Bank has collaborated with major online travel platforms such as Ctrip and Qunar, launching travel payment options and discounts for public transport, thereby supporting the recovery of the cultural and tourism industry [7] - The bank is leveraging its 22 million mobile banking customers to create dedicated consumption portals, implementing a multi-faceted strategy to drive traffic and support merchants in expanding sales channels during the "Double Twelve" period [9] - Jiangsu Bank plans to continue promoting quality merchants and products through both online and offline channels, aiming to stimulate consumer demand and drive consumption growth while fulfilling its social responsibility as a financial institution [11]

招联首席研究员董希淼向记者表示，提振消费政策正从短期刺激性工具，向长期性、系统性的主线转 变。《通知》是落实中央经济工作会议"坚持内需主导，建设强大国内市场"的政策部署，旨在通过商务 与金融系统的深度协同，破解制约消费潜力释放的障碍。《通知》的意义在于将提振消费的部署，转化 为一套系统、可操作、鼓励创新的协同行动框架，有助于构建一个由商务政策引导、金融服务支撑、多 方主体参与的良性消费生态。 （资料图） 党中央、国务院高度重视提振消费工作。党的二十届四中全会指出，发挥好产业、价格、就业、消费、 投资、贸易、区域、环保、监管等政策作用，促进形成更多由内需主导、消费拉动、内生增长的经济发 展模式。近日召开的中央经济工作会议要求，引导金融机构加力支持扩大内需。中共中央办公厅、国务 院办公厅印发《提振消费专项行动方案》，明确加强财税、金融、产业、投资等政策与消费政策的协 同。 商务部财务司负责人有关负责人表示，为贯彻党中央、国务院决策部署，商务部、中国人民银行、金融 监管总局深入调查研究、广泛听取意见，在已出台金融支持政策基础上，进一步细化完善具体举措，研 究制定《通知》，指导地方相关部门和金融机构加强协同，精准施策 ...

Core Insights - Agricultural Bank of China (ABC) is actively promoting consumer spending in Inner Mongolia through various financial services and promotional activities aimed at enhancing consumer vitality [1][2][3] Group 1: Consumer Financing Initiatives - ABC's "Wangjie Loan" program has enabled customers like Li Jingran to secure loans quickly for home renovations, with a notable example being a 190,000 yuan loan processed online within a day [2] - The bank has implemented a management model combining personal loan centers and business outlets to streamline loan approval processes, thereby reducing waiting times for customers [2] Group 2: Promotional Activities - ABC has launched several local promotional activities, such as the "6 yuan breakfast" offer and discounts at cinemas and restaurants, to enhance customer experience and stimulate spending [3] - The bank's initiatives have resulted in over 370,000 transactions from promotional activities, providing direct benefits of approximately 252,790 yuan to consumers [3] Group 3: Financial Performance - As of the end of November, ABC's personal consumer loan balance reached 19 billion yuan, reflecting a growth of 3.65 billion yuan since the beginning of the year [3] - The number of active credit card users surpassed 900,000, with total transaction volume reaching 48.06 billion yuan, indicating a successful cycle of consumer engagement and spending enhancement [3]

Core Viewpoint - The article discusses the recent joint notice 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 [1]. Group 1: Policy Measures - The notice outlines 11 policy measures across three main areas: deepening collaboration between commerce and finance, increasing financial support for key consumption areas, and expanding cooperation among government, finance, and enterprises [2]. - 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 [5][6]. Group 2: Financial Support for Consumption - Financial institutions are encouraged to focus on five key areas: upgrading goods consumption, expanding service consumption, fostering new consumption types, innovating diverse consumption scenarios, and supporting consumption assistance [2]. - Specific measures include enhancing financial services for durable goods and digital products, promoting installment payment options, and providing tailored personal loan policies [7][8]. - The notice also highlights the importance of developing new consumption models, such as green and digital consumption, and supporting collaborations between financial institutions and e-commerce platforms [9][10]. 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 [11][12]. - It calls for improved information sharing between local commerce departments and financial institutions to facilitate precise service delivery and enhance credit availability for small and micro enterprises [12][13]. - The article stresses the importance of promoting consumer rights and guiding rational borrowing and consumption behaviors among consumers [13].

Core Viewpoint - The document outlines a notification from three Chinese government departments aimed at enhancing collaboration between the business and financial sectors to boost and expand consumer spending [1][3][16]. Group 1: Strengthening Collaboration - The notification emphasizes the need for improved communication and collaboration between local business and financial departments, encouraging the establishment of cooperative mechanisms to address challenges in financial support for consumer expansion [3][5][19]. - It calls for the integration of fiscal funds, credit resources, and social capital to create a synergistic effect in policy implementation [3][16]. - Local authorities are encouraged to utilize digital RMB smart contract red envelopes to enhance the effectiveness of consumer promotion policies [4][17]. Group 2: Financial Support for Key Consumption Areas - Financial institutions are urged to focus on five key areas: upgrading product consumption, expanding service consumption, fostering new types of consumption, innovating diverse consumption scenarios, and supporting consumer assistance [3][16][20]. - The notification highlights the importance of optimizing financial products and services to better align with consumer needs and promote new consumption models [3][20]. - It suggests that financial institutions should enhance consumer finance services for durable goods and digital products, facilitating better access to credit for consumers [8][20]. Group 3: Expanding Government-Financial-Enterprise Cooperation - The document encourages the collaboration of government, financial institutions, and businesses to conduct various consumer promotion activities and share information effectively [3][12][24]. - It promotes the development of tailored financial products and services that meet the specific needs of different consumer scenarios [12][24]. - The notification also emphasizes the importance of sharing information about key consumer projects to facilitate precise financial services [12][25].

Group 1 - The core message emphasizes the need for financial institutions to focus on key consumer sectors to boost and expand consumption [1] - The notification encourages enhanced financial services for durable goods and digital products, aiming to tap into the potential for consumer goods upgrades [1] - Financial institutions are urged to collaborate with platforms and key merchants, improving services like installment payments, credit cards, mobile banking, and digital currency to better meet consumer renewal demands [1] Group 2 - The policy outlines the importance of determining loan issuance ratios, terms, and interest rates based on customers' repayment capabilities and credit status [1] - It highlights the implementation of differentiated policies for personal consumer loans regarding amounts, terms, and interest rates to accelerate the development of personal consumer loan business [1] - The notification suggests waiving penalties for early loan settlements during the vehicle trade-in process [1]

Core Viewpoint - The Ministry of Commerce has issued a notification to strengthen the collaboration between commerce and finance, aiming to boost consumption through 11 specific policy measures across three main areas [1][15]. Group 1: Strengthening Financial Support for Key Consumption Areas - Emphasis on enhancing financial services for durable goods and digital products to tap into consumption upgrade potential [1][6]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment services like installment plans and digital currency [1][6]. - Support for cross-border supply chain financing and integration of domestic and foreign trade operations [1][6]. Group 2: Expanding Service Consumption Policies - A comprehensive policy framework ("1+N") is proposed to support service consumption in sectors like hospitality, entertainment, and education [1][7]. - Financial products and services will be innovated to better fit into consumption scenarios and ecosystems [1][7]. - Encouragement for financial institutions to provide loans to service sectors and elderly care businesses [1][7]. Group 3: Promoting New Consumption Models - Initiatives to foster new consumption types, including green and digital consumption, with tailored financial services [1][8]. - Financial institutions are urged to collaborate with e-commerce platforms to develop internet-adapted business models [1][8]. - Support for expanding consumer access and convenience through innovative financial solutions [1][8]. Group 4: Enhancing Government-Financial-Enterprise Cooperation - Encouragement for financial institutions to participate in local consumption promotion activities, offering specialized products and services [1][10]. - Development of a project list for key consumption areas to facilitate information sharing between local commerce departments and financial institutions [1][11]. - Promotion of consumer rights and rational borrowing through effective communication of financial policies [1][12].

Core Viewpoint - The notification emphasizes the need for enhanced collaboration between the business and financial sectors to stimulate and expand consumer spending, aligning with the directives of the central government [2][3]. Group 1: Strengthening Collaboration - Local business authorities and financial management departments are encouraged to improve communication and establish coordination mechanisms to address challenges in financial support for consumer expansion [2][3]. - Financial institutions are urged to align their resources and services with existing policies to actively support consumer spending initiatives [3][4]. - Local authorities are encouraged to utilize existing funding channels and collaborate with financial institutions to enhance the effectiveness of consumer promotion activities [3][4]. Group 2: Financial Support for Key Consumer Areas - Financial services for durable goods and digital products are to be strengthened, with a focus on meeting consumer upgrade demands through various payment options [4][5]. - The notification calls for the development of innovative financial products tailored to service consumption sectors such as hospitality, entertainment, and education [5][6]. - New consumption models, including green and digital consumption, are to be promoted with financial support, encouraging collaboration between financial institutions and e-commerce platforms [6][7]. Group 3: Enhancing Government-Financial-Enterprise Cooperation - Financial institutions are encouraged to participate in local consumer promotion activities, offering tailored products and services to reach a broader audience [8][9]. - Information sharing between local business authorities and financial institutions is to be improved to facilitate precise financing services for key consumer projects [9][10]. - The notification highlights the importance of promoting financial policies and protecting consumer rights to encourage responsible borrowing and spending [9][10].