（原标题：央行北京分行等12部门，最新发布！） 二、加大重点领域金融支持，挖掘消费潜力 （一）加大商品消费信贷支持力度。积极开展汽车贷款业务，合理确定贷款发放比例、期限和利率，适 当减免汽车以旧换新过程中提前结清贷款产生的违约金。引导金融机构针对首次购买、以旧换新、二手 车等不同购车场景优化创新金融产品，加大对汽车特别是新能源汽车消费的金融支持力度。鼓励金融机 构积极满足家电以旧换新、绿色智能家居家装、电子产品等领域消费金融需求，通过多种形式参与商家 促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 （二）促进文旅体育消费提质升级。依托首都作为全国文化中心和国际交往中心的功能定位，深挖历史 文化特色资源，围绕全民阅读、文艺演出、直播探店、非遗传承、乡村文旅、民俗文创等领域和北京消 费季"京彩四季"主题活动，创新融资模式，加大信贷投放力度。更好发挥东城区国家文化与金融合作示 范区的引领示范作用，提升辖内银行文化金融服务能力。充分发挥首都"双奥之城"优势，鼓励金融机构 围绕"赛事+"、冰雪经济等消费场景丰富金融产品，探索开展"门票收益权质押"等融资模式，着力培育 精品赛事体系和赛事运营企 ...

Core Viewpoint - The article discusses the current state and potential of asset securitization in China, particularly focusing on microfinance companies and their financing challenges, while suggesting innovative financing models to enhance their operations [1][9]. Group 1: Characteristics of Asset Securitization Financing - Asset securitization is an innovative financing model that lies between direct and indirect financing, reducing costs and risks for investors while allowing companies to access capital [2]. - This financing method does not alter a company's capital structure and effectively addresses the mismatch between corporate credit and financing needs [3]. Group 2: Feasibility Analysis of Asset Securitization Financing - Legal aspects indicate that the removal of administrative licensing for asset securitization by the Securities Commission has facilitated the process, provided that core assets meet specific quality standards [5]. - The threshold for microfinance companies includes maintaining a low bad debt ratio, having a solid internal management system, and ensuring a diversified client base [6]. - The advantages of asset securitization for microfinance companies include improved risk control through technology and reduced transaction costs, enhancing the feasibility of financing [6][7]. Group 3: Recommendations for Asset Securitization Financing - The article suggests enhancing market openness and interaction between exchanges and the interbank bond market to improve the visibility and issuance of asset-backed securities from microfinance companies [7]. - Implementing a business system to improve liquidity in the secondary market is recommended, allowing securities firms to provide high-quality liquidity services [7]. - Encouraging the development of "quasi-securitization" financial services can attract more investors and complement the financing needs of microfinance companies [8]. Group 4: Conclusion - The article concludes that asset securitization offers a cost-effective financing solution for microfinance companies, with strategic recommendations aimed at promoting the development of financial services related to securitization [9].