此外，财政政策与金融政策协同联动还体现在其他诸多领域，比如，政府投资基金、农业保险、地 方政府融资平台债务风险化解等。 推动财政政策与金融政策更好协同联动、放大政策效能，重在落实落细。 一方面，政府部门、金融机构需完善协作机制，强化密切配合。政府性融资担保涉及业务经营、风 险监管、机制创新、制度保障等方方面面，需要建立和落实以财政支持为保障、以绩效考核为指引、以 银担合作为桥梁、以信息共享为支撑的政策体系。个人消费贷款和消费领域的服务业经营主体贷款两项 贴息政策，实施中涉及经办机构操作、金融监管、财政资金管理等多个环节，需要各方面加强合作，让 消费者、经营者实实在在享受到政策红利，有效实现促消费、惠民生的政策目标。 中央经济工作会议要求，提升宏观经济治理效能；增强宏观政策取向一致性和有效性。财政政策与 金融政策作为重要宏观调控工具，对经济运行影响的侧重面有所差别，但又相互联系、相互补充。强化 财政金融协同联动，可以更好同向发力、形成合力，实现"1+1>2"的倍增效应，特别是发挥财政资金的 导向、带动作用，引导更多金融资源流向支持就业创业、中小企业融资、促进消费等领域，实现有效市 场和有为政府相结合。 在促进消 ...

Core Viewpoint - The "Chie Rong" platform in Chipping District, Shandong Province, aims to alleviate financing difficulties for small and micro enterprises by integrating government data into financial credit assets, thus enhancing the efficiency of credit approval and risk management [3][4][6]. Group 1: Platform Overview - The "Chie Rong" platform was established to create a collaborative model between finance and government, integrating data from 13 departments to support economic development [3]. - The platform has successfully integrated over 10,000 pieces of data related to agriculture and enterprises, covering more than 3,000 companies and 280 new rural operating entities [4]. - The platform has facilitated 1,407 financing transactions totaling 39.91 billion yuan, serving 964 market entities within a year [15]. Group 2: Data Sharing and Credit Assessment - The platform utilizes big data analysis and credit rating models to create credit profiles for enterprises, helping financial institutions assess repayment capabilities and reduce credit risks [6]. - The platform has accumulated 193 credit approvals from Chipping Rural Commercial Bank, amounting to 1.287 billion yuan, which represents 20% of the bank's total enterprise loans [6]. Group 3: Policy Coordination and Financial Products - The platform promotes precise delivery of supportive policies and custom financial products, offering over 50 subsidy policies for enterprises [7]. - It has partnered with 15 banks and 5 insurance companies to develop 108 agricultural and enterprise credit products, enhancing the alignment between financial offerings and market needs [9]. Group 4: Risk Mitigation Strategies - A risk compensation system has been established to create a multi-layered risk mitigation framework, including a government financing guarantee system to support small and micro enterprises [10][13]. - The platform has implemented a risk compensation fund to cover bad loans generated through its credit services, maximizing the leverage effect of fiscal funds [13]. Group 5: Impact on Local Economy - The platform has effectively connected financial resources to rural revitalization efforts, facilitating loans of approximately 4 billion yuan to agricultural entities [9]. - The collaboration between fiscal and insurance sectors has successfully reduced operational risks for local enterprises, exemplified by a case where insurance payouts mitigated significant losses in livestock farming [12].

Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy aims to stimulate consumer spending and support domestic demand expansion, enhancing the overall economic development trend [1][3]. Group 1: Policy Implementation - The personal consumption loan interest subsidy policy officially took effect on September 1, 2023, allowing consumers to benefit from a 1% annual interest subsidy on loans used for consumption [3][4]. - The subsidy is automatically applied without the need for additional applications, with funding shared between central and provincial finances at a 9:1 ratio [3][4]. - Each borrower can receive a maximum subsidy of 3,000 yuan, corresponding to a cumulative consumption amount of 300,000 yuan [4]. Group 2: Bank Response - Shanghai Pudong Development Bank (SPDB) quickly launched the interest subsidy feature for personal consumption loans on the policy's first day, ensuring consumers can access benefits [4][6]. - SPDB has actively engaged with various sectors, such as retail and home improvement, to create new consumption scenarios and enhance service offerings [6][7]. - The bank's system can automatically identify eligible transactions, streamlining the subsidy process for customers [4][7]. Group 3: Market Impact - The policy is expected to lower consumer credit costs, thereby stimulating consumer potential and supporting economic growth [1][3]. - SPDB's collaboration with retail groups, such as Bailian Group, aims to create a synergistic effect in promoting consumption and enhancing the consumer experience [6]. - The successful case of a customer using SPDB's loan for daily purchases illustrates the immediate impact of the policy on consumer behavior [6].

Core Points - The Yantai Financial Alliance held its second meeting and inaugurated the Yantai Financial Linkage Reception Hall, aiming to create a new ecosystem for efficient collaboration in finance and enhance financial empowerment for the real economy [1][5] Group 1: Meeting Overview - The first phase of the meeting included reports on the alliance's work since its establishment in 2024 and the key points for 2025, along with the approval of the member management guidelines [2] - The alliance welcomed 11 new member units, strengthening its overall capacity and marking the establishment of a four-in-one ecosystem comprising policy guidance, think tank support, industry collaboration, and service empowerment [2][5] Group 2: Reception Hall Inauguration - The Yantai Financial Linkage Reception Hall serves as a base for face-to-face communication and cooperation among alliance members and strategic partners, creating more development opportunities [3] - The hall features over 13,000 square meters equipped with various meeting rooms, negotiation rooms, and a digital exhibition hall, designed to provide comprehensive financial services to enterprises [5][6] Group 3: Collaborative Efforts - The Yantai Financial Alliance aims to deepen collaboration among various departments, enhancing policy empowerment, information sharing, and service optimization to ensure efficient operation [3][4] - The establishment of financial arbitration service innovation bases and other service stations is intended to improve policy connection and service functionality within the alliance [6][7]