多地明确加快培育国际消费中心城市 近期，21世纪经济研究院从商务部获得的消息显示，目前未认定任何一座城市已获批成为国际消费中心 城市。因此作为2021年入选首批培育建设的5座城市：上海、北京、广州、重庆和天津仍处于培育阶 段。如重庆"十四五"规划纲要提出的是"着力建设国际消费中心城市"，"十五五"规划建议中，重庆继续 提出"加快建设国际消费中心城市。" 这一信号表明，"十五五"时期除首批入围培育建设的5座城市外，国内其他城市仍具备竞争资格。通过 梳理各地方的"十五五"规划建议，可发现一些地区继续保持或加大了对国际消费中心城市的培育力度， 另有一些地区根据形势的变化，主动调整了建设目标或方向。 21世纪经济研究院 研究员 李果 截至12月16日，四川、湖北、湖南、河南、山东、陕西、福建、黑龙江、浙江、辽宁、广东、北京、重 庆、天津等省份陆续发布了地方版的国民经济和社会发展第十五个五年规划的建议（以下简称"十五 五"规划建议）。 通过对比各省份的"十四五"规划纲要与"十五五"规划建议，可发现不同地区对于下一个五年的城市消费 工作，有不同的施策方法，一是对于"国际消费中心城市"的培育建设工作，有地区进一步细化建设方 ...

Core Viewpoint - The article emphasizes the importance of enhancing consumption quality to stimulate domestic demand and promote high-quality economic development, aligning with the "14th Five-Year Plan" goals [1][5]. Group 1: Consumption Quality Improvement - Improving consumption quality can help address supply-demand mismatches, as the demand for high-quality and high-value products is not being met despite sufficient overall supply [2]. - The shift in consumer preferences from basic needs to quality and personalized services is evident, with a growing demand for education, healthcare, and tourism services [2][3]. - New consumption patterns are emerging, such as digital, green, and health-related consumption, but the supply in these areas is still underdeveloped [3]. Group 2: Business Competition and Innovation - Encouraging businesses to offer high-quality products and services can lead to higher profits, which in turn fuels further research and development, creating a positive feedback loop [4]. - The current "involution" competition often sacrifices product quality for price, which can harm long-term consumer trust and innovation [4]. - Government support is crucial for small and medium enterprises to enhance quality, as evidenced by data showing that participating in quality improvement initiatives can increase annual profit margins by approximately 8% and reduce quality costs by about 6% [4]. Group 3: Overall Economic Impact - Enhancing both the quantity and quality of consumption is essential for meeting the public's aspirations for a better life and injecting stronger momentum into the high-quality development of the economy [5].

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].

Group 1: Policy Initiatives - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau jointly issued a notification to enhance financial support for key consumption areas and promote new consumption development [1] - The notification emphasizes the need for collaboration between business and financial systems, encouraging local departments to strengthen communication and cooperation [1] - Financial institutions are encouraged to optimize products and services around five key areas: upgrading commodity consumption, expanding service consumption, fostering new consumption, innovating diverse consumption scenarios, and supporting consumption assistance [1] Group 2: Investment and Infrastructure - The National Development and Reform Commission highlighted the importance of using new policy financial tools to improve capacity governance in key industries and major infrastructure regulation [2] - The meeting called for measures to stabilize investment, including increasing central budget investments and utilizing various government investment funds [2] - It also emphasized the need to optimize consumption policies and remove unreasonable restrictions in the consumption sector [2] Group 3: Green Finance - The Ministry of Industry and Information Technology and the People's Bank of China issued a notification to establish a green finance support mechanism for green factory construction [3] - The notification identifies key support areas such as major technological innovations in traditional industries and zero-carbon factory projects [3] - Financial institutions are encouraged to develop green finance plans and enhance credit support for green factory initiatives [3] Group 4: Local Initiatives - Beijing Economic-Technological Development Area aims to cultivate a future energy industry worth over 50 billion by 2028, focusing on new energy and future energy sectors [5] - The measures include supporting the development of new energy storage technologies and clean energy sectors like wind, solar, and hydrogen [5] - The initiative also emphasizes the importance of key technology innovation and the establishment of public service platforms for future energy [6] Group 5: Scene Innovation - Hubei Province plans to establish a scene innovation service platform by 2027, providing over 1,000 scene services annually [7] - The plan focuses on 20 key areas, including digital economy, manufacturing, emergency management, and healthcare [7] - A diversified financial service system will be constructed to support scene cultivation and application, utilizing government funds and market investments [7]

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].