Group 1 - Multiple local financial regulatory agencies are intensively deploying measures to promote consumption, with some explicitly incorporating financial support for consumption into daily supervision [1][2][3] - The Yunnan Financial Regulatory Bureau announced initiatives to encourage banks to increase consumer finance supply and expand application scenarios, aiming to enhance support for key consumption areas [2][4] - As of June 2025, the balance of personal consumer loans in Yunnan Province reached 369.039 billion, reflecting a year-on-year growth of 6.49%, which is 1.34 percentage points higher than the overall loan growth rate [2] Group 2 - The Jilin Financial Regulatory Bureau has identified financial support for consumption as a significant political task, establishing a leadership group and a work plan to ensure effective implementation [3] - Financial institutions are actively responding to optimize services, with major banks launching various consumer credit products and initiatives to stimulate consumption recovery [4][5] - The Central Committee and State Council issued a special action plan in March 2025, followed by a joint guideline from six departments in June, outlining 19 key measures to enhance consumer capacity and financial support [4] Group 3 - Banks like China Bank and Construction Bank are innovating consumer credit products and offering subsidies to boost consumer spending, with China Bank planning to issue over 1 trillion in loans this year [4] - The financial sector is expected to further optimize product structures and improve service efficiency, driven by sustained policy efforts and market demand [6] - Postal Savings Bank's researcher suggests that financial institutions should innovate consumer credit products tailored to consumer characteristics and leverage digital finance for enhanced service accessibility [6]

【 导读 】 多地金融监管局密集部署金融促进消费，更有地方明确要求将其纳入"日常监管" 中国基金报记者 马嘉昕 7月23日上午，云南金融监管局发布公告称，鼓励银行机构增加消费金融供给，拓展消费金融 应用场景，高效服务消费品以旧换新扩围，加大重点消费领域的金融支持力度。 事实上，近一个月以来，全国多地金融监管局密集部署金融促进消费工作，有监管部门明确 提出"将金融助力提振消费纳入日常监管"。 多地金融监管局密集部署 金融机构积极响应优化服务 在业内看来，近期，多地金融监管局密集部署金融促进消费工作，体现出当前政策对扩大内 需、提振消费的重视，以及金融在助推消费升级等方面的关键作用。 2025年3月，中共中央办公厅、国务院办公厅印发《提振消费专项行动方案》。6月，央行等 六部门联合印发《关于金融支持提振和扩大消费的指导意见》，从支持增强消费能力、扩大 消费领域金融供给、挖掘释放居民消费潜力、促进提升消费供给效能、优化消费环境和政策 支撑保障等六个方面提出19项重点举措。 云南金融监管局公告称，该局认真贯彻金融监管总局关于发展消费金融助力提振消费的工作 要求，配合开展云南省提振消费专项行动，从加强重点领域支持、提升 ...