（来源：中国消费者报） ■本报记者 吴采平 1月3日，消费者毕先生带着家人在湖北省黄石市未苏湾旅游。临近中午，毕先生走到一家餐馆门前，掏 出手机扫了扫张贴在餐馆门前的"放心消费码"，随即看到了这家餐馆的食品经营许可证、后厨操作间情 况等。"扫一扫就能知道商户的相关信息，这下子消费更放心了。"毕先生对记者说。 作为黄石市以东坡文化为牵引打造的文旅消费新地标，未苏湾集餐饮、购物、休闲体验等多元业态于一 体，是黄石市承载消费者烟火生活与游客沉浸式体验的核心区域。为保障消费者更多元的消费体验，黄 石市消费者委员会、黄石市下陆区市场监管局在未苏湾创新构建以"放心消费码"为核心的智慧服务体 系，在亮证经营、产品介绍、价格公示、投诉公开、精准监管与文化赋能六大维度，全面打造信息透 明、消费安心、文化浓郁的放心消费特色街区。 即扫即查明白消费 据肖圣武介绍，依托"放心消费码"，未苏湾街区商户的营业执照、食品经营许可证等核心资质信息实现 即时公示。市场监管部门会在后台实时更新，确保公示信息真实有效，并通过后台实时核查商户亮证率 与信息准确率。目前，街区无证经营、证照过期等问题发生率为0。 1月3日，在未苏湾街区，记者路过一家瑞 ...

近日，由丰台区商务局指导、值得买科技主导建设的一站式便民消费服务平台——"精彩消费在丰台"微 信小程序正式上线。该平台整合区域文商旅体健多领域优质资源，为市民提供本地商家福利、热门活动 查询等便捷服务，旨在进一步发挥互联网企业在内容、技术与用户触达方面的优势，将线上流量与线下 场景深度联动，推动区域消费持续繁荣。 特色美食 商场购物 景点游玩 休闲娱乐 生活服务 丰台故事 福利上新 必看活动 > > 12月中国园林博 金鼎轩 物馆活动清单~ 296元起四人餐 五洲植物园的冬 儒宴江南菜 日奇遇之旅 满百元享9折 篇内容带你打 朱光玉火锅馆 开丰台的冬日 享150元双人餐 "精彩消费在丰台"是丰台区首个数字化全域消费示范平台，由值得买科技提供技术及运营能力支撑。平 台覆盖博物馆、景区、商超、餐厅、影院等多元场景，为消费者提供便捷、高效的消费指引的同时，也 为区内商户提供线上展示、精准触达与数字化运营工具，构建更具活力的区域商业生态。 目前，消费者登录微信小程序即可浏览特色美食、商场购物、景点游玩、休闲娱乐、生活服务和丰台故 事等丰富内容，目前平台收录商家数量超2250家，后续还将持续拓展更多资源，构建更丰富的内 ...

最近，大家注意到，相关部门和一些地方又相继出台了一系列提振消费的新政策，来激发新活力。消费 是中国经济增长的重要引擎，特别是在外部环境不确定性增加的背景下，扩大内需、增强消费对经济的 拉动作用至关重要。"十五五"规划建议中，大力提振消费也被置于更加突出的位置，并提出一系列重大 部署。那么，我国的消费市场有怎样的优势和潜力?怎么能更好地发挥消费引擎的作用呢? 今年大热的AI玩具你玩儿过吗?融合了最新的大语言模型技术，这些玩具可以实现高度拟人化交互体 验。通俗地说，就是它可以更好地与你互动。这些玩具可不仅仅是给小朋友玩儿的，像是AI下棋机器 人(16.970, -0.33, -1.91%)、AI陪伴机器人、AI宠物等也备受成年人欢迎。京东数据显示，2025年上半 年，AI玩具销量同比增长超200%，迅速成为消费市场的"新宠"。 技术变革激发新型消费，正成为新的经济增长点。今年，很多人可能都听说过"外骨骼机器人"，泰山就 是首批"吃螃蟹"的景区。穿上它，登山时你就仿佛有了一个隐形助力，可以节省30%至50%的体力，而 且这个机器人还可以实时监测你的身体状况，为你进行景点讲解等等。一经推出，"外骨骼机器人"就大 受游 ...

Core Insights - The third Fengtai District Commercial Development Conference was held, introducing the first comprehensive regional consumption platform in Fengtai, allowing consumers to access local merchant benefits and activities through a WeChat mini-program [1][5] - The conference focused on the theme of "Commercial Coexistence and Collaborative Development," with participation from over 120 commercial brands and various industry associations, aiming to promote the upgrade of the regional commercial ecosystem [1][3] Group 1: New Consumption Initiatives - Fengtai District is advancing 28 pilot projects related to new consumption scenarios and business models, focusing on the development of a service system for the first-release economy and innovative multi-service consumption scenarios [3][5] - Nine outstanding enterprises were awarded special titles for their contributions in the "three new" areas, highlighting the district's strategic cooperation with quality brands [3][5] Group 2: Digital Consumption Platform - The "Exciting Consumption in Fengtai" digital consumption demonstration platform was launched, designed to connect consumers with quality resources efficiently, featuring over 1,717 registered businesses [5][6] - The platform aims to enhance consumer experience by providing access to local merchant benefits, consumption maps, and popular event queries through a single interface [5][6] Group 3: Commercial Space Availability - A display area for vacant commercial spaces was set up at the conference, showcasing over 600,000 square meters of rentable space across various districts, catering to diverse business needs [6] - Notable projects include the Xiaowayao Industrial Park, offering 145,000 square meters for commercial and office use, and the Xiguotao Auto Service Base, providing 8,100 square meters for automotive-related businesses [6]

Core Insights - The growth of service consumption outpaces that of goods consumption, and rural consumption growth exceeds urban consumption, indicating significant optimization in China's consumption structure [1][9][15] - In the first three quarters, final consumption expenditure contributed 53.5% to economic growth, an increase of 9 percentage points compared to the previous year [1] - The total retail sales of consumer goods reached 36,587.7 billion yuan, with a year-on-year growth of 4.5% [1] Consumption Growth by Region - Jiangsu, Guangdong, and Shandong are the only provinces with retail sales exceeding 30,000 billion yuan, with figures of 34,788.3 billion yuan, 34,254.07 billion yuan, and 30,386.1 billion yuan respectively [6][7] - Hainan leads the nation with an 8.6% growth rate, followed by Inner Mongolia at 7.2%, and several provinces in central and western China also show strong growth [4][5] Changes in Consumption Structure - The consumption structure is shifting, with significant growth in spending on daily necessities, education, culture, and entertainment services [3][9] - The "old-for-new" policy has effectively stimulated consumption, particularly in home appliances and new energy vehicles, with notable growth rates in Inner Mongolia and Shanxi [5][9] Rural vs Urban Consumption - Rural consumption growth is outpacing urban consumption, with Jiangsu's rural consumption growth exceeding urban by 1.4 percentage points, and Guizhou by 1.7 percentage points [14][15] - The shift from basic to improved consumption in rural areas is driven by the "old-for-new" policy and the enhancement of consumption infrastructure [14][16] Policy Implications - The "14th Five-Year Plan" emphasizes boosting consumption and enhancing public service spending to increase residents' consumption capacity [8][14] - Future expansion of county-level markets is expected to support rural consumption as a new growth curve for national retail sales [16]

Core Insights - The growth of service consumption outpaces that of goods consumption, and rural consumption growth exceeds urban consumption, indicating an important signal for the optimization of China's consumption structure [1][12][18] Economic Contribution - In the first three quarters, final consumption expenditure contributed 53.5% to economic growth, an increase of 9 percentage points compared to the previous year [1] - The total retail sales of consumer goods reached 36,587.7 billion yuan, with a year-on-year growth of 4.5% [1] Provincial Performance - Fourteen provinces outperformed the national average in retail sales growth, with five provinces exceeding 6%: Hainan, Inner Mongolia, Shanxi, Henan, and Shaanxi [1][5] - The top ten provinces by retail sales in the first three quarters were Jiangsu, Guangdong, Shandong, Zhejiang, Sichuan, Henan, Hubei, Fujian, Anhui, and Hunan [3][8] Consumption Structure Changes - The consumption structure is shifting, with significant growth in spending on daily necessities, education, culture, and entertainment services [3][12] - The rural areas are showing strong consumption potential, with rural consumption growth driven by the replacement of large goods and upgrades in daily consumption [17][18] Policy and Future Outlook - The "14th Five-Year Plan" emphasizes boosting consumption and implementing special actions to stimulate consumption [3][17] - The expansion of quality consumer goods and services supply is highlighted, with a focus on enhancing service consumption [17][19] Digital and Service Consumption Trends - Digital consumption is on the rise, with significant growth in online retail sales in various provinces [10][12] - Service consumption, particularly in tourism and cultural sectors, is a key driver of growth, with notable increases in visitor numbers and revenue in several provinces [15][16]

Core Insights - The "Ai Guang Ma" mini-program has attracted over 350 merchants in Chaoyang District within 8 months, generating over 1 million yuan in additional revenue for these merchants [1][5] - The "Chao Chao Wai Ma Shang GO" employee consumption season market opened on September 5 and will last until September 9, featuring various performances and a wide range of participating merchants [3] Group 1 - The "Ai Guang Ma" digital consumption platform was jointly developed by Chaowai Street and Chaoyang Cultural Tourism Group, launching with over 1,000 promotional products [5] - The platform has facilitated over 15,000 offline store consumption orders, saving consumers over 520,000 yuan [5] - The market features over 40 merchants, including well-known brands and a variety of products ranging from food to cultural and creative items [3] Group 2 - The market operates daily from 16:00 to 21:00, showcasing street performances including pop bands and intangible cultural heritage programs [3] - The integration of online and offline shopping experiences allows for a seamless "coupon-placing order-redeeming" process [5] - The event is held at Meike Meijia Square, which is part of a vibrant commercial area that includes several shopping centers and parks [3]

Core Viewpoint - The importance of consumer finance is increasingly recognized as a crucial bridge connecting finance and consumption, especially in the context of China's economic transformation and the need to stimulate domestic demand [1][5]. Economic Environment - China's economy is facing challenges such as insufficient domestic demand and weak consumer willingness, with consumer contribution to economic growth at 82.5% in 2024, still below pre-pandemic levels [1][2]. - The leverage ratio of households continues to rise, and income growth is slowing, which constrains consumer spending [1]. Market Dynamics - The consumer finance market has expanded significantly, exceeding 50 trillion yuan, accounting for about 40% of GDP, but growth rates have slowed from around 20% in 2020 to below 10% in 2024 [2]. - The competitive landscape is diversifying, with major players including commercial banks, licensed consumer finance companies, and internet platforms, each targeting different consumer segments [3]. Innovation in Products and Services - Consumer finance products are evolving towards scenario-based, differentiated, and intelligent offerings, covering a wide range of consumption scenarios from durable goods to frequent small purchases [4]. - Digitalization is enhancing the efficiency and reach of consumer finance services, with many institutions adopting online customer acquisition methods and utilizing advanced technologies [4]. Policy Initiatives - The "Notice" issued by the National Financial Supervision Administration outlines measures to support the development of consumer finance, emphasizing the need for diverse financial products and services to meet evolving consumer demands [5][6]. - Specific initiatives include promoting green consumption through low-interest loans for purchasing energy-efficient products and supporting the recovery of the tourism sector with targeted credit [6]. Consumer Protection and Market Regulation - The "Notice" stresses the importance of market transparency and consumer rights protection, requiring financial institutions to clearly disclose loan costs and improve contract clarity [7][8]. - A fair dispute resolution mechanism is highlighted to enhance market credibility and address illegal practices within the industry [8]. Future Outlook - The consumer finance industry is expected to continue evolving by aligning with consumer demand upgrades, accelerating digital transformation, and enhancing risk management practices [9]. - The dual support of digital technology and policy initiatives is anticipated to significantly boost consumer capacity and contribute to sustainable economic growth [9].

Group 1: Thailand Overview - Thailand is the second largest economy in ASEAN with a GDP of $545 billion in 2023, and a per capita GDP of $7,830, which is above the ASEAN average of $5,210 [7][9] - The country has a population of 67.9 million, with over 90% practicing Buddhism, and Thai is the official language [9][7] - Thailand's total foreign trade reached $585 billion, accounting for 15.2% of ASEAN's total trade, and it attracted $12 billion in foreign direct investment, ranking third in ASEAN [7][9] Group 2: Policy Incentives and Opportunities - The Thai government supports nine key industries, including automotive and electronics, aiming to enhance GDP by at least 1% [23][19] - The EV3.0 and EV3.5 policies target a 30% production rate for electric vehicles by 2030, with Chinese companies holding a 75% market share in Thailand's electric vehicle sector [24][25] - The report highlights the importance of compliance, including ODI registration, trademark protection, and adherence to import regulations [30][19] Group 3: Consumer Insights - The Thai consumer market is shifting towards convenience and digitalization, with over 80% of online consumption occurring on mobile devices [30] - E-commerce is dominated by Shopee with a 49% market share, followed by Lazada at 30%, and TikTok Shop is rapidly growing with a live shopping penetration rate exceeding 40% [30] - The report identifies five trends in luxury consumption, including high-end dining experiences, cultural entertainment privileges, luxury travel, personalized health services, and collectible investments [28][30] Group 4: Chinese Enterprises in Thailand - Chinese companies are performing well in various sectors, including electric vehicles (BYD, Great Wall), home appliances (Haier, Midea), fast fashion (SHEIN, Pop Mart), and cosmetics (ZEESEA,橘朵) [30][19] - The report emphasizes the need for localization strategies and leveraging policy benefits to tap into consumer and industrial opportunities in Thailand [30][19]

Group 1 - The core viewpoint is that the youth consumption market is shifting towards "new" trends, particularly during the graduation season, with significant increases in sales of digital products and outdoor equipment, reflecting new demands from the youth demographic [1] - The growth in graduation season consumption is driven by multiple factors, including government subsidies for digital products, financial institutions promoting consumption, and a focus on emotional and experiential aspects of purchases [1][2] - The rise of e-commerce, AI personalized recommendations, and AR technologies has expanded the choices available for youth consumers during the graduation season [1] Group 2 - The shift towards "new" consumption patterns can unlock potential for market growth and create new opportunities, emphasizing the need for a sustainable and rational consumption approach among graduates [2] - There is a call to increase quality supply by developing products that resonate emotionally with youth, incorporating elements of traditional culture into modern aesthetics, and offering discounts for graduates at tourist attractions [2] - Innovation in business models is encouraged, with a focus on creating new consumption venues such as themed hotels and creative markets, while enhancing the integration of online and offline experiences for youth [2][3] Group 3 - Improving the consumption environment is essential, which includes establishing a collaborative regulatory mechanism, enhancing consumer rights protection, and ensuring transparency in the consumption process [3] - Strengthening industry self-regulation and platform accountability is necessary to ensure quality and transparency in graduation season consumption [3] - There is a need for increased data security measures to protect against issues like information leakage and algorithmic discrimination, ensuring a safe digital consumption environment for youth [3]