【开栏语】8月25日，由中宣部组织的2025年"活力中国调研行"湖北主题采访活动在武汉启动。来自中央和湖北主要媒体的130余名记者将走进科创平台、企 业园区、项目现场，在荆楚大地的火热发展实践中感受活力中国的强劲动能。今起，本报开设"活力中国调研行"栏目，立体呈现湖北推动高质量发展的创新 实践和典型经验，记录支点建设的精彩故事。 根据安排，来自人民日报、新华社、中央广播电视总台等中央媒体及省主要媒体的130余名记者将分南北两线，奔赴武汉、鄂州、潜江、天门、荆州、宜昌 和孝感、随州、襄阳、十堰，围绕"提振消费、扩大内需、改善民生，增强人民群众获得感幸福感安全感"主题，开展为期一周的集中采访，以实地走访、深 度调研等形式，深切感受、报道宣介活力中国的湖北样本。 在25日的情况介绍会上，黎东辉和省经信厅、省科技厅、省人社厅、省文旅厅、省商务厅负责同志介绍了湖北相关情况。 湖北承东启西、联南通北，在中部地区区位优势突出，在国家发展大局中地位重要。党的十八大以来，习近平总书记6次亲临湖北，对湖北工作作出一系列 重要指示批示。湖北省委、省政府牢记殷殷嘱托，带领全省上下扛牢使命、感恩奋进，推动经济总量先后站稳4万亿、跨越5 ...

近日召开的国务院常务会议和全国消费品以旧换新工作推进电视电话会议对下阶段消费品以旧换新作出 部署，释放出政策支持加力信号。专家表示，从当前各地对以旧换新政策优化调整的路径看，后续以旧 换新政策有可能在上调资金支持规模、扩大品类范围等方面发力，同时将进一步强化政策协同与技术赋 能，确保政策红利直达消费者，有效扩大内需、提振消费。 ...

日前，国新办举行新闻发布会，介绍个人消费贷款贴息政策和服务业经营主体贷款贴息政策有关情况。 这两项贴息政策，分别从消费的需求端和供给端发力，将财政金融政策的着力点更多转向惠民生、促消 费，以"真金白银"助力居民更好消费、经营主体提升消费服务水平。 其次，创新产品，精准匹配需求。银行应抓住政策窗口，加大个人消费贷款投放力度。一方面，围绕住 房、教育、医疗等重点领域，为不同客群量身定制差异化产品：面向购房群体推出"家居贷""装修贷"等 组合方案，满足其随房衍生消费需求。另一方面，紧跟绿色消费、智能消费、数字消费新趋势，与新能 源汽车厂商联合推出低息分期方案；结合线上购物场景，开发秒批秒贷的线上消费信贷产品，让融资更 便捷。 再次，优化服务，提升体验。银行应进一步简化申请流程，探索远程开户、线上激活信用卡等无纸化服 务；整合信用卡、分期付款、消费贷等功能，实现"一站式"办理；运用人工智能技术上线7×24小时智能 客服，实时解答咨询。在风险可控前提下，对信用良好但收入证明不足的新市民，综合评估其社保、公 积金缴纳记录，给予合理授信额度，帮助其更好融入城市生活；同步建立尽职免责机制，打消一线人员 顾虑，鼓励其积极拓展消 ...

作为今年经济工作的"重头戏"，菏泽在消费市场的表现十分有看点。今年上半年，菏泽社会消费品零售 总额实现1254.9亿元，同比增长7.6%，这一增速位居全省榜首，展现出当地消费市场的强劲活力与巨大 潜力。 消费是经济的压舱石，更是经济增长的重要引擎。在国内有效需求不足、外部挑战加剧的背景下，菏泽 消费增长的蓬勃态势从何而来？ 小智治事，大智治制。菏泽消费市场的强劲增长，首先源于一套高效协同的政策"组合拳"。 这样的融合场景正在菏泽遍地开花，形成了"季季有主题、月月有亮点"的繁荣局面。 今年以来，菏泽积极落实山东省委、省政府提振消费部署要求，构建"1+N"政策框架，强化市县联动、 部门协同，出台覆盖商品消费升级、文旅消费提升、养老服务促进等领域的"提振消费十大行动"。 消费品以旧换新，统筹汽车、家电、家装等七类资源，推出327项优惠"大礼包"；全年策划储备22个城 中村改造项目，改造城镇老旧小区40个；开展消费品标准提升行动，严格落实《山东省设备更新和消费 品以旧换新标准提升工作方案》，支持优势企业申报"好品山东"……一项项政策、一个个规划接踵而 至。 同时，菏泽建立了多部门参与的协同联动机制，重点支持消费载体建 ...

Group 1 - The core viewpoint emphasizes the importance of consumption as a driving force for economic growth, highlighting the government's role in releasing consumption potential through financial support measures [1] - The "Guiding Opinions on Financial Support for Boosting and Expanding Consumption" was released in June, advocating for credit support and government financing guarantees to stimulate the consumption market [1] - Government financing guarantees are identified as a key link in activating consumption potential and play a significant role in boosting the consumption market [1] Group 2 - Financing guarantee institutions are addressing the financing challenges faced by small and micro enterprises, which are crucial for the consumption market [4] - The Yantai Financing Guarantee Group launched a "Consumption Loan" product aimed at merchants benefiting from government consumption subsidies, effectively addressing their operational challenges [4] - The National Financial Supervision Administration and other departments issued measures to enhance financing support for small and micro enterprises, emphasizing the collaboration between financial institutions and government financing guarantee agencies [3][4] Group 3 - Employment is highlighted as a fundamental aspect of consumer demand, with government financing guarantee institutions encouraged to support labor-intensive small and micro enterprises to stabilize and expand employment [5] - The National Financing Guarantee Fund's provision of 1 billion yuan in guaranteed loans can stabilize employment for approximately 900 individuals, demonstrating the impact of financing guarantees on job creation [6] - Beijing Re-Guarantee Company aims to direct financial resources to small and micro enterprises, achieving a guarantee scale of 56.9 billion yuan in 2024, supporting over 17,000 jobs [6]

Core Viewpoint - The article discusses the challenges of boosting consumer spending in the context of debt deleveraging, suggesting that the consumer loan interest subsidy policy may not be sufficient on its own and that a multi-faceted approach is necessary to achieve desired outcomes [1][5]. Summary by Sections Consumer Loan Interest Subsidy Policy - On August 12, the Ministry of Finance and other departments issued the implementation plan for the personal consumer loan interest subsidy policy, which aims to reduce financing costs in the consumer sector [2]. - This policy represents a shift in fiscal policy towards more direct support for households and individuals, including initiatives like cash subsidies for childcare [2]. - The subsidy is limited in scope and should not be overinterpreted as a replacement for other consumer incentives, such as trade-in subsidies [2][3]. Relationship Between Consumer Loans and Spending - The relationship between consumer loans and retail consumption growth is complex, with evidence suggesting that increased consumer loans do not necessarily lead to higher consumption levels [3]. - Despite a significant reduction in average consumer loan interest rates from 6% to 3% since 2022, the growth rate of household consumer loans has declined [3]. Impact on Financial Institutions - The subsidy policy allows for a maximum interest reduction of 1 percentage point, potentially lowering consumer loan rates to 2% [4]. - This creates a competitive advantage for major banks and leading consumer finance companies, while smaller local banks may face challenges due to the lack of coverage under the policy [4]. - The policy is part of a broader set of measures aimed at stimulating consumption, including significant funds allocated for service consumption and other subsidies [4].

Group 1 - The core viewpoint emphasizes the importance of increasing support for the replacement of old consumer goods to stimulate consumption, as highlighted in the recent meeting of the Central Political Bureau [1] - A total of 300 billion yuan has been allocated this year to support the replacement of old consumer goods, doubling the amount from last year [1] - Retail sales of household appliances and audio-visual equipment, as well as furniture, saw year-on-year growth of 30.7% and 22.9% respectively in the first half of the year, while passenger car retail volume increased by 10.8% [1] Group 2 - The "Special Action Plan to Boost Consumption" aims to improve urban and rural consumption facilities, with rural online retail sales growing by 6.2% and agricultural product online retail sales by 7.0% in the first half of the year [2] - The Ministry of Commerce plans to enhance the county-level commercial network, ensuring that each county has chain supermarkets and logistics centers, while towns have commercial centers [2] - The initiative includes promoting the upgrade of rural e-commerce and logistics, encouraging large e-commerce platforms to expand into rural areas, thereby increasing farmers' income and rural consumption [2]

Core Insights - The forum discussed the new challenges and necessary reforms for the Chinese economy, emphasizing the need to boost consumption by removing administrative restrictions on spending [1][3] Group 1: Economic Challenges - The primary issue affecting domestic circulation is insufficient effective demand, attributed to various factors such as weak consumer willingness, declining income growth expectations, and reduced risk appetite among market participants [3] - Structural barriers and administrative controls are hindering the growth of domestic demand, with many restrictive consumption policies still in place [3] Group 2: Recommendations for Boosting Consumption - To stimulate consumption and expand domestic demand, it is essential to improve the institutional mechanisms that promote consumption, respect consumer choice, and eliminate administrative interventions that negatively impact consumption [3] - The most effective and direct approach to boost consumption is to remove restrictions such as purchase limits, allowing affluent consumers to spend, which in turn can drive market activity and economic recovery [3]

Core Insights - The third Beer Music Carnival in Fushun County successfully concluded, running from August 8 to August 17, with a theme of "Raise a Glass to Fushun, Music is for You, Cheers for More Fun!" [1][5] - The event integrated beer, music, consumption, and employment, creating a festive atmosphere for citizens and tourists [1][5] Economic Impact - The carnival saw on-site consumption exceeding 1 million yuan, with daily average consumer participation increasing by 30% compared to the previous event [3] - Fushun County aims to continue integrating cultural tourism, events, and performance resources to launch more high-quality consumer products [3] Event Highlights - The closing ceremony featured awards for the top three singers in the singing competition, with performances that energized the audience [3] - Various interactive games and performances, including classic songs and a vibrant atmosphere with food and craft beer stalls, contributed to the event's success [3][5]

Core Viewpoint - The implementation of the personal consumption loan and service industry loan interest subsidy policies marks a significant step by the central government to boost consumption and support economic growth through financial collaboration [1][2]. Group 1: Policy Overview - The central and provincial finances will bear 90% and 10% of the interest subsidy costs, respectively, with a subsidy rate of 1 percentage point for eligible personal consumption loans and service industry loans, effective for one year [1]. - This is the first time that such interest subsidy policies have been implemented at the central level, reflecting the government's commitment to enhancing consumption [1]. Group 2: Economic Impact - Consumption is identified as a crucial engine for economic growth and a key component in facilitating domestic circulation [1]. - The government has prioritized boosting consumption and expanding domestic demand in recent economic meetings and reports, indicating a strategic focus on these areas [1]. Group 3: Role of Financial Institutions - Banks are designated as the main financial institutions responsible for implementing these subsidy policies, playing a vital role in supporting consumption and expanding domestic demand [2]. - Financial institutions are expected to optimize their asset structures while managing risks and ensuring that funds are directed appropriately [2][4]. Group 4: Implementation Strategies - Banks must enhance their responsibilities by developing detailed work plans and ensuring compliance with the policies, while also focusing on serving personal consumption and the real economy [3]. - The use of big data and technology is encouraged to analyze customer needs and adjust strategies based on regional consumption differences [3]. Group 5: Fund Management - Financial institutions are required to maintain strict oversight of fund flows to ensure that subsidies are utilized for their intended purposes, avoiding misallocation to non-consumption sectors [4]. - A comprehensive approach to loan approval and post-loan monitoring is necessary to prevent misuse of funds and ensure compliance with the subsidy policies [4].