齐鲁晚报齐·鲁壹点记者闫明 通讯员祝超群 陈肖 崔广勋 9月8日，因原材料采购资金不足，山东省聊城市茌平区冯官屯镇的山东颐恒新材料科技有限公司在"茌e 融财金协同联动数字增信赋能平台"（下称"茌e融"平台）提交了200万元的贷款申请。经平台系统匹配 和该企业用户筛选，茌平农商银行最终拿到申请单，并立即受理。 "我们当天就对接平台，查看企业授信信息明细，并结合我们的数据，对这笔信贷申请进行受理、审 批，预计3天左右就能放款。"茌平农商银行信贷管理部总经理李绪川说。 去年9月，茌平区财政局通过构建"财政+金融+数字"联动协同模式，创建"茌e融"平台。为确保平台健康 运行，出台了《加强财政金融协同联动支持经济高质量发展实施方案》，明确27项举措，建立跨13部 门、14乡镇的协同机制。"借助该平台，茌平通过政务数据共享，将分散的行政数据转化为金融信用资 产，同时推动政策协同和产品创新，并依靠财政杠杆缓冲金融风险，推动风险共担市场化，实现'数据 —信用—资金'的高效转化。"聊城市茌平区财政局党组书记、局长董建忠说。茌平搭建"茌e融"平台， 从供需两端发力，统筹解决小微企业融资难和银行放贷难的问题。 数据共享：政务数据转 ...

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].

第一阶段会议由烟台财金集团党委委员、副总经理修兆强主持。会上，烟台财金集团党委委员、副总经 理，烟台财金联盟秘书长任倩同志报告了联盟2024年成立以来的工作情况；烟台财金集团党委委员、副 总经理杨国斌同志重点介绍了联盟2025年度工作要点。会议表决通过了《烟台财金联盟成员管理办法 （草案）》，进一步完善规章制度，为联盟有序规范化发展保驾护航。同时，联盟又吸纳了11家新成员 单位，进一步壮大了联盟力量。会上还发布了联盟主管单位、指导单位以及首批智库机构、战略合作单 位、专业服务机构名单，标志着"政策引领、智库支撑、产业协同、服务赋能"四位一体联盟生态体系已 构建成型，蓄势聚力，进一步夯实了联盟高质量发展根基。 在活动第二阶段，与会领导嘉宾首先参观了烟台财金联动会客厅企业文化展厅，详细了解了财金集团的 发展历程、业务布局及战略规划，认真听取了集团在推进财政金融协同联动工作中取得的创新实践成 效。随后接续召开了烟台财金联动会客厅启用仪式暨烟台财金联盟生态圈建设会议，烟台市财政局党组 成员、副局长贾磊同志主持会议，市财政局、市工商业联合会、烟台仲裁办、市发改委、烟台财金联盟 理事长单位领导先后上台致辞。 齐鲁晚报·齐 ...