转自：成都日报锦观 以金融活水启动消费主引擎 □王定祥 王思语 李伶俐 改善消费条件，打通"敢消费"堵点 习近平总书记指出，要"改善消费条件，使居民没有后顾之忧敢消费"。良好的消费条件是激发消费潜能 的重要支撑，能为居民消费筑造安全防线，改善居民消费预期并提升信心，加速潜在消费能力向现实消 费行为转化。当前，我国居民消费方面存在四大堵点：一是收入预期不稳；二是消费效用不高；三是消 费安全保障不足；四是消费纠纷维权成本高。作为资源配置的核心利器，金融可以精准锚定四大堵点， 构建"预期增强—基建补短—制度重塑—权益护航"的消费支撑体系，打通敢消费堵点。 首先，加强城乡居民就业、创业的金融支持，提高金融服务实体企业效能，供需协同发力促进高质量充 分就业，增强居民收入增长预期。 消费是我国经济增长的重要引擎。12月10日至11日召开的中央经济工作会议明确指出，做好明年经济工 作要"深入实施提振消费专项行动，制定实施城乡居民增收计划"。近日，习近平总书记在《求是》杂志 发表的《扩大内需是战略之举》一文中提到，要加快补上内需特别是消费短板，使内需成为拉动经济增 长的主动力和稳定锚。 今年以来，各地各部门扎实推进提振消费专 ...

Core Insights - The "Two New" policy, which includes subsidies for replacing old consumer goods and updating equipment, has shown significant positive effects on consumption and investment in related industries [1][2][5]. Group 1: Consumer Goods Market - In the first three quarters, retail sales of household appliances, such as refrigerators, increased by 48.3%, while sales of home audio-visual equipment grew by 26.8% [3][4]. - The furniture retail sector also experienced growth, with sales increasing by 21.3% for furniture and 25.3% for home appliances and audio-visual equipment [2][3]. - The number of applications for vehicle trade-ins has surpassed 8.3 million, averaging over 30,000 applications per day [2]. Group 2: Equipment Investment - The investment in machinery and equipment by industrial enterprises rose by 9.4% year-on-year, with high-tech manufacturing seeing a 14% increase [5][6]. - The investment in tools and equipment for the manufacturing sector grew by 14%, with specific sectors like general equipment manufacturing and aerospace seeing increases of 11.8% and 22.3%, respectively [5][6]. - The energy sector also reported a 10.5% increase in machinery purchases, with thermal energy production seeing a notable 16.4% rise [5]. Group 3: Policy Impact and Future Outlook - The ongoing implementation of the "Two New" policy is expected to further drive the transformation of industries towards high-end, intelligent, and green solutions [6]. - Experts anticipate additional consumer stimulus measures, including potential increases in subsidy amounts and the introduction of consumption vouchers [6]. - Future mechanisms will focus on equipment updates, consumer goods replacement, recycling, and standard enhancements, supported by long-term special bonds [6].

Core Insights - The "Two New" policy, which includes subsidies for replacing old consumer goods and updating equipment, has shown significant positive effects on consumption and investment in various sectors [1][3][4]. Group 1: Consumer Goods - In the first three quarters, retail sales of home appliances, such as refrigerators and televisions, increased by 48.3% and 26.8% respectively, indicating a strong consumer response to the "Two New" policy [2][3]. - The furniture retail sector also experienced growth, with sales increasing by 21.3%, while communication equipment sales rose by 19.9% [2][3]. - The number of applications for vehicle trade-ins exceeded 8.3 million, averaging over 30,000 applications per day, reflecting the effectiveness of the old-for-new vehicle policy [2][3]. Group 2: Equipment Update - Investment in equipment and tools saw a year-on-year increase of 14.0%, driven by the 200 billion yuan subsidy for equipment updates, which has encouraged industries to enhance their technological capabilities [3][4]. - The procurement of machinery and equipment by industrial enterprises rose by 9.4%, with high-tech manufacturing showing a robust growth of 14% [3][4]. - Specific sectors such as general equipment manufacturing and transportation equipment manufacturing reported investment growth rates of 11.8% and 22.3% respectively [3][4]. Group 3: Policy Impact - The "Two New" policy is expected to further stimulate the transition towards high-end, intelligent, and green manufacturing, enhancing overall consumption potential [4][5]. - Experts suggest that the government may increase the support amount for the old-for-new program in the fourth quarter and consider issuing consumption vouchers nationwide [4][5]. - Future mechanisms will focus on long-term strategies for equipment updates, consumer goods replacement, recycling, and standard improvements, ensuring continuous policy support [5].

Core Insights - Hebei province is leveraging sports events to boost tourism and consumer spending, creating new holiday experiences and enhancing local economic activity [1][13] Group 1: Sports Events and Economic Impact - The province has hosted 8,696 sports events from January to September 2025, attracting over 20.51 million participants and spectators, leading to direct consumption exceeding 41.1 billion yuan, a growth of 134.39% [13] - Events like the Hebei 3x3 Basketball League Finals and the "Zhengding Ping Pong" community league are engaging diverse age groups, enhancing community involvement [1][3] - The 2025 ITF International Tennis Masters and the "Odin Cup" boxing competition have drawn significant participation, showcasing both local and international talent [7][9] Group 2: Consumer Engagement and Promotions - The 2025 Beijing-Tianjin-Hebei New Energy Vehicle Challenge featured over 30 models from 12 brands, providing a platform for consumers to view, test, and purchase vehicles, with discounts reaching up to 48,000 yuan per vehicle [3][7] - The events are designed to attract families and encourage participation, with one child potentially bringing two to three parents to the events, thus amplifying economic benefits [11] Group 3: Diverse Sports Offerings - Various sports events, including pet competitions and martial arts exchanges, are catering to families and promoting local culture, further diversifying the sports landscape in Hebei [11][13] - The cycling competition in Langfang attracted nearly 1,000 riders, emphasizing the region's strategic advantages and appeal for sports tourism [11]