Group 1: Policy Initiatives - Shenzhen has launched a "Special Action Plan to Boost Consumption," introducing 39 measures to stimulate consumer spending [2] - The plan includes expanding the use of housing provident fund for down payments on homes within the city [2] - A new policy will allow employees and their family members without housing in Shenzhen to withdraw up to 80% of their monthly contributions for rent starting from November 1, 2025 [2] Group 2: Support for Flexible Employment - Flexible employment workers in Shenzhen can voluntarily contribute to the housing provident fund under new regulations [3][4] - They can open accounts and make contributions online through platforms like WeChat and Alipay [4] - After signing a voluntary contribution agreement, these workers can withdraw funds for housing-related expenses [4] Group 3: Digital Innovations - Shenzhen's housing provident fund center has partnered with Agricultural Bank to implement digital RMB and smart contracts for fund withdrawals [3] - This innovation allows for immediate fund transfers upon approval, enhancing efficiency in processing withdrawals [4] - The smart contract system ensures automatic execution of terms, providing a secure and efficient way to manage fund withdrawals [4]