数据来源：iFind，华泰期货研究院 行业总览 宏观日报 | 2026-01-22 关注反内卷政策推进 中观事件总览 生产行业： 1）为整治政府采购领域"内卷式"竞争，形成优质优价、良性竞争的市场秩序，财政部发布关于推动解 决政府采购异常低价问题的通知。采购人应当根据实际工作需要，综合考虑同类项目中标（成交）信息，以及市 场供给和产业发展状况，材料、人工等市场价格，行业费用标准等市场调查情况，形成科学、完整、清晰的采购 需求，合理设定最高限价，为供应商竞争报价提供基础。未设定最高限价的采购项目，以采购项目预算金额作为 最高限价。 服务行业：1）1月21日，外交部发言人郭嘉昆主持例行记者会。彭博社记者提问，美国贸易代表格里尔在达沃斯 表态称，希望与中国进行另一轮的潜在贸易谈判，中美之间是否考虑举行此类的会晤，会在哪里举行？对此郭嘉 昆表示，中美双方应该共同落实好两国元首达成的重要共识，为中美经贸合作与世界经济注入更多的稳定性和确 定性。2）中国人民银行召开2026年支付结算工作会议。会议要求，2026年支付结算工作要紧密围绕"十五五"规划 和金融强国建设目标，推动现代化支付体系高质量发展。加快建设人民币跨境支付 ...

【内容摘要】1月21日，资金面整体平稳向宽；税期资金面好于预期，债市偏强震荡；转债市场主要指数集体跟涨，转 债个券多数上涨；各期限美债收益率普遍下行，主要欧洲经济体10年期国债收益率普遍上行。 一、债市要闻 （一）国内要闻 【央行：加快建设人民币跨境支付体系】央行日前召开2026年支付结算工作会议。会议要求，加快建设人民币跨境支付 体系，推进跨境支付互联互通，推动跨境支付体系多元化、多层次发展。会议提出，2026年支付结算工作要紧密围 绕"十五五"规划和金融强国建设目标，推动现代化支付体系高质量发展。严格实施支付机构穿透式监管和支付业务功能 监管，充分发挥行政、自律互补作用，塑造合规致远的行业健康生态。常态长效做好优化支付服务工作，扎实推进支付 普惠，提供便捷安全的支付服务。提升支付系统服务质效，以创新推动行业提质升级。 【工信部：去年工信领域对经济增长贡献超四成】1月21日，国务院新闻办公室举行新闻发布会上，工信部副部长张云 明表示，2025年工业和信息化发展，呈现"稳""进""新""活"四个特点。"稳"的态势持续巩固。2025年，规模以上工业增 加值同比增长5.9%，制造业增加值占GDP比重保持稳定，制造 ...

● 本报记者彭扬 会议提出，2026年支付结算工作要紧密围绕"十五五"规划和金融强国建设目标，推动现代化支付体系高 质量发展。严格实施支付机构穿透式监管和支付业务功能监管，充分发挥行政、自律互补作用，塑造合 规致远的行业健康生态。常态长效做好优化支付服务工作，扎实推进支付普惠，提供便捷安全的支付服 务。提升支付系统服务质效，以创新推动行业提质升级。 中国人民银行1月21日消息，央行日前召开2026年支付结算工作会议。会议要求，加快建设人民币跨境 支付体系，推进跨境支付互联互通，推动跨境支付体系多元化、多层次发展。 ...

Core Viewpoint - The article emphasizes the importance of expanding domestic demand as a strategic foundation for high-quality economic development, highlighting the role of payment systems in facilitating consumption and reducing transaction barriers [1][4]. Group 1: Importance of Modern Payment Systems - The construction of a modern payment system is crucial for enhancing the compatibility of various payment methods, including cash, cards, mobile payments, and digital currencies, to support consumption growth [2]. - Recent policy documents reflect the government's strategic focus on optimizing the payment environment to promote consumption upgrades [2]. Group 2: Challenges in Consumption Growth - Despite a high contribution rate of consumption to economic growth, issues such as slowing marginal growth and structural differentiation are becoming more pronounced [3]. - Traditional policy tools have limitations, as they often focus on short-term effects without addressing deeper structural constraints in expanding domestic demand [3]. Group 3: Role of Payment Systems in Consumption Decisions - Payment systems significantly influence consumer decision-making by reducing transaction costs and psychological barriers, thus promoting impulse buying and high-frequency consumption [5]. - The convenience of digital payment technologies transforms consumer behavior, making transactions more seamless and immediate [5]. Group 4: Inclusivity and Accessibility of Payment Systems - Payment inclusivity is essential for unlocking the consumption potential of marginalized groups, such as the elderly and disabled, who face barriers to digital payment adoption [6][7]. - Initiatives like voice navigation and offline payment options are critical for integrating these groups into the modern consumption network [7]. Group 5: Fragmentation and Innovation Challenges - The current payment ecosystem is fragmented, with independent systems across various sectors, leading to inefficiencies and increased operational costs for merchants [9]. - There is a mismatch between rapid technological advancements in digital payments and the adaptability of older populations, exacerbating the digital divide [10]. Group 6: Security and Trust Issues - Concerns over data misuse and security risks contribute to a "trust deficit," which can suppress consumer spending [11]. - The potential for data breaches and fraudulent activities creates a defensive consumer mindset, counteracting the positive effects of payment convenience [11]. Group 7: Policy Recommendations - To enhance the payment system's role in boosting consumption, it is essential to break down ecological barriers, bridge the digital divide, and promote cross-domain collaboration [13]. - Establishing a more inclusive payment network and ensuring consumer data protection are vital for fostering trust and encouraging spending [14][16].