服务消费依然有较大增长空间，通过财政货币政策联动有助于扩大相关服务消费的供给，进而提振带动服务消费。2020至2024年，我国居民服 务性消费支出年均增长9.6%，保持较快增长。2025年1—11月份，服务零售额同比增长5.4%，假期出行消费、演唱会经济等服务消费表现亮 眼。 2025年8月，财政部、央行、金融监管总局三部门联合对外发布《个人消费贷款财政贴息政策实施方案》，明确2025年9月1日至2026年8月31日 期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用卡业务）中实际用于消费，且可通过贷款发放账户等识别借款人相关消费交 易信息的部分，可按规定享受贴息政策。贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文化旅 游、家居家装、电子产品、健康医疗等重点领域消费。年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费贷款本金计算），且 最高不超过贷款合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、10%。 上海金融与发展实验室副主任董希淼对记者表示，服务业经营主体贷款贴息，能降低消费领域经营主体的融资成本，支持和鼓励经营主体保持 生产经营持 ...

Core Viewpoint - The People's Bank of China, along with 12 departments, has issued a plan to support the enhancement and expansion of consumption in Beijing, focusing on financial assistance for small and micro enterprises [1] Group 1: Financial Support for Enterprises - The plan emphasizes the continuation of interest subsidies for first-time loans to small and micro enterprises in Beijing, aimed at reducing their financing costs [1] - There is a strong focus on providing financial services to private and small enterprises, as well as individual businesses that have a strong capacity for job creation [1] Group 2: Entrepreneurship Support - The implementation of guaranteed loans for entrepreneurship will be deepened, with ongoing interest subsidies for these loans [1] - The plan aims to actively seek support from central inclusive finance special funds, ensuring proper management and use of funds to promote income growth for eligible individuals and enterprises [1]