【环球网财经综合报道】日前，国家发改委、财政部印发《关于2026年实施大规模设备更新和消费品以旧换新政策的 通知》，同时下达首批625亿元资金支持消费品以旧换新。 值得关注的是，2026年国补对象新增智能眼镜、智能家居等智能产品，剔除家装、电动自行车两大类。同时，家电国 补范围缩小，限定为冰箱、洗衣机、电视、空调、电脑、热水器等6类产品，一级能效家电补贴比例从此前20%降至 15%，每件家电补贴最高额度从2000元降至1500元。 《金融时报》近日发文称，影响消费的因素包括内生因素如商品质量和消费者偏好，以及外生因素如收入、金融约 束、风险偏好和价格。展望2026年，"十五五"规划提出要提高居民消费率，但需考虑消费的复杂性和时代背景。 文章还提出，一方面要鼓励富裕人群多花钱少储蓄，另外一方面也要加大消费贷款投放，鼓励收入较低群体从生命周 期（如结婚、生育等大额消费）、职业周期（如预期未来收入不断提高增加现实消费）考虑贷款消费。针对收入波动 群体，如暂时遇到流动性约束利用贷款平滑消费。 同时文章还认为，提高消费的关键在于优化分配，扩大中等收入群体，强化社会保障，通过完善信贷政策降低债务和 信贷约束，特别是通过有 ...

Group 1 - The core viewpoint emphasizes the importance of investing in both material and human resources during the "15th Five-Year Plan" period, highlighting the need for comprehensive educational reforms to support innovation and development [1] - The "15th Five-Year Plan" aims to strengthen the foundation of education by focusing on the future, ensuring that current students are prepared to contribute to national rejuvenation [2] - Education is positioned as a key driver for social mobility, with a focus on improving the quality of employment for college graduates to expand the middle-income group [7] Group 2 - The article outlines the necessity of reinforcing the internal and external functions of education, emphasizing its role in supporting national development and technological advancement [2] - It discusses the importance of viewing Chinese education within a global context, advocating for high-level openness while promoting domestic innovation and talent cultivation [3] - The need for educational reforms to leverage technology is highlighted, with a focus on enhancing the understanding of technology among educators and students [4][6] Group 3 - The article stresses the significance of cultural confidence in education, arguing against a Western-centric view and promoting a diverse understanding of educational civilizations [4][5] - It points out that China's basic education has achieved levels comparable to high-income countries, suggesting a need to share these experiences globally [6] - The "15th Five-Year Plan" is seen as a critical period for vocational education to expand its influence and integration with industry [6][7]