近期，商务部等9部门对外发布《关于扩大服务消费的若干政策措施》，出台19条举措进一步扩大服务 消费。其中，在加强财政金融支持方面，特别提出"开展重点领域消费贷款贴息"。 记者了解到，随着9月《个人消费贷款财政贴息政策实施方案》落地，金融机构用好用足政策，加大信 贷投放力度，不断优化消费金融产品和服务。 "在一系列消费政策引导下，我们全面启动系统改造、产品服务流程优化等相关工作，认真推进政策落 地实施，在需求端进一步激发居民消费动能。"中国建设银行住房金融与个人信贷部消费信贷处处长杨 哲介绍，截至9月末，该行已签署财政贴息服务协议的客户超60万户。叠加国补、地方补贴等多种消费 政策助力，该行9月末消费贷款余额同比增长近三成。 新华社北京10月3日电支持提振和扩大消费，是金融服务实体经济的重要内容。近期，一系列金融政策 加速落地，持续撬动服务消费供给，更好满足居民服务消费需求，支持消费新生态。 近日，家住广东东莞的蔡先生贷款10万余元购置了家居家电，在享受财政贴息后，省下了1000多元利息 支出。他告诉记者："我全程一键操作，银行系统自动识别出交易为家居家装消费场景，当时就享受到 了政策红利。" 数据显示，截至7 ...

后续，建行上海市分行还将在上海各类消费场景，为市民带来更多暖心服务，通过创新信贷产品、提供 消费补贴、深化支付便利化等措施，推动金融资源与消费场景深度融合，切实降低居民消费成本，为上 海消费注入强劲动能。（邓侃） 编辑：谈瑞 启动仪式上，建行上海市分行积极响应国家"金融支持消费"政策，联合徐家汇商圈下辖汇金百货，推出 优惠满减活动，信用卡客户在建行生活平台可领取满200元立减40元优惠券。 同期，建行上海市分行还将在徐家汇商圈开展各类优惠活动。如针对建行信用卡客户推出信用卡消费达 标礼，消费满6000元有机会获得最高5666的建行积分；在喜盈门开展建行家装节活动，使用装修分期卡 单笔消费满3000元返300元立减券，福利加码，优惠升级。 长期以来，建行上海市分行将助力消费市场复苏、满足市民消费需求摆在突出位置，紧紧围绕上海国际 化、高品质的消费特点，从金融服务供给端持续发力，依托金融科技优势，创新产品与服务，为民生行 业提供普惠金融支持、为商户提供完善资金结算服务，积极融入宠物、二次元、直播等各类新型经济， 开展丰富的建行生活和信用卡优惠活动，为市民带来实实在在的优惠。 转自：新华财经 9月29日晚，"202 ...

Core Insights - The People's Bank of China (PBOC) has implemented various financial support policies to enhance service consumption and meet residents' needs [3][4] Group 1: Financial Support Policies - The PBOC established two structural monetary policy tools: one for service consumption and elderly re-loans, with a special allocation of 500 billion yuan to boost high-quality service consumption [3] - The second tool is for technological innovation and technical transformation re-loans, with an allocation of 800 billion yuan to support equipment updates in key service sectors [3][4] Group 2: Loan Statistics - As of the end of July, the loan balance in key service consumption areas reached 2.79 trillion yuan, showing a year-on-year increase of 5.3% [5] - The total household consumption loan balance, excluding personal housing loans, was 21.04 trillion yuan, with a year-on-year growth of 5.34% [5] Group 3: Financial Instruments and Innovations - In the first seven months of the year, automotive finance companies issued financial bonds totaling 21.5 billion yuan and issued credit asset-backed securities amounting to 48.4 billion yuan [6] - The PBOC is encouraging financial institutions to innovate products and services to increase credit support in consumption sectors [4][5]

杨虹指出，2025年以来，人民银行出台多项政策，指导金融机构完善内部业务流程，创新支持消费的产 品和服务，聚焦食、住、行、游、购、娱等重点消费领域，从供需两端特别是从供给端发力，扩大高质 量信贷供给，加大对消费行业经营主体的首贷、续贷、信用贷、中长期贷款支持力度，强化金融支持提 振和扩大消费的促进作用。截至7月末，全国服务消费重点领域贷款余额2.79万亿元，同比增长5.3%， 比年初新增1642亿元，前7个月的新增贷款比去年全年新增贷款还要多630亿元。 北京商报讯（记者 廖蒙）9月17日，国新办举行新闻发布会，介绍扩大服务消费有关政策措施。会上， 中国人民银行信贷市场司负责人杨虹就当前服务消费领域的金融支持政策进行介绍。 ...

杨虹表示，今年以来，人民银行出台多项政策，指导金融机构完善内部业务流程，创新支持消费的产品 和服务，聚焦食、住、行、游、购、娱等重点消费领域，从供需两端特别是从供给端发力，扩大高质量 信贷供给，加大对消费行业经营主体的首贷、续贷、信用贷、中长期贷款支持力度，强化金融支持提振 和扩大消费的促进作用。 人民网北京9月17日电 (记者罗知之)国务院新闻办公室于今日举行新闻发布会，介绍扩大服务消费有关 政策措施。 中国人民银行信贷市场司负责人杨虹在会上介绍，截至7月末，全国服务消费重点领域贷款 余额2.79万亿元，同比增长5.3%，比年初新增1642亿元，前7个月的新增贷款比去年全年新增贷款还要 多630亿元。 ...

Core Viewpoint - The article emphasizes the strategic deployment of expanding domestic demand through consumption and investment efficiency, highlighting the role of financial institutions in promoting consumption and improving residents' quality of life [1][8]. Financial Support for Consumption - In June, the People's Bank of China and six departments issued guidelines to support consumption, outlining 19 key measures to enhance financial services in the consumption sector [1]. - The focus is on key consumption areas such as wholesale retail, accommodation, dining, entertainment, tourism, education, and resident services, signaling a recovery in the consumption market [1]. "Most Red Friday" Campaign - The "Most Red Friday" campaign by Bank of Communications has been a marketing initiative for 15 years, becoming a ritual for weekend consumption since 2010 [2]. - The campaign has been upgraded to include a "Direct Access" feature, allowing cardholders to participate in exclusive offers and promotions every Friday, enhancing customer engagement [2][3]. "Hundred Counties, Ten Thousand Stores" Initiative - The "Hundred Counties, Ten Thousand Stores" initiative targets third and fourth-tier cities, aiming to stimulate local consumption and reduce costs for residents [5]. - The initiative has reached nearly 100 counties, providing a one-stop discount chain for essential consumer goods and services, thus supporting the upgrade of consumption in these areas [5][6]. Digital Ecosystem and Differentiated Services - The Bank of Communications is leveraging digital ecosystems and differentiated services to enhance its role in promoting consumption and expanding the financial ecosystem [8]. - The bank's efforts are aimed at activating consumer credit and meeting diverse customer needs across different regions [8].

Group 1: Government Policies and Financial Support - The State Council emphasizes the effective use of "two new" subsidy funds to stimulate domestic demand and combat fraudulent claims [1] - The National Development and Reform Commission has allocated 690 billion yuan in special bonds to support the old-for-new consumption policy, with another 690 billion yuan planned for October [2] - The implementation plan for childcare subsidies will provide 3,600 yuan per child annually starting January 1, 2025, exempting these subsidies from personal income tax [3] Group 2: Elderly and Disabled Support - The Ministry of Civil Affairs and the Ministry of Finance will provide subsidies for elderly individuals with moderate to severe disabilities, covering various care services [4] - The government encourages localities to enhance support for economically disadvantaged individuals with severe disabilities, including integrating them into minimum living security programs [7] Group 3: Financial Support for Consumption - The People's Bank of China and six other departments have issued guidelines to enhance financial support for consumption, including promoting old-for-new financial services and reducing penalties for early loan settlements [5] - A loan interest subsidy policy for service industry operators will provide up to 10,000 yuan in interest support for eligible businesses in sectors such as catering, health, and tourism [9] Group 4: Agricultural Support - The Ministry of Agriculture and Rural Affairs has launched a plan to support the consumption of fresh agricultural products, including measures to assist e-commerce platforms in providing resources for farmers [6]

Core Viewpoint - The Chinese government is implementing a series of financial policies aimed at boosting and expanding consumer spending, with a focus on high-quality service consumption and effective demand creation [1][5]. Group 1: Financial Policies and Measures - The introduction of the "Guiding Opinions on Financial Support for Boosting and Expanding Consumption" includes 19 key measures and the establishment of a 500 billion yuan loan facility for service consumption and elderly care [1]. - As of the end of June, the balance of household consumption loans, excluding personal housing loans, reached 21.2 trillion yuan, with 2.8 trillion yuan allocated to key service consumption sectors such as accommodation, dining, and entertainment [2]. - The People's Bank of China (PBOC) is actively promoting measures to enhance consumption, with various branches focusing on optimizing financial support for consumer spending [3]. Group 2: Collaboration Between Fiscal and Financial Policies - Recent fiscal policies, including the implementation of personal consumption loan interest subsidy policies, exemplify the collaboration between fiscal and financial measures to support consumption [4]. - The Ministry of Finance has allocated 69 billion yuan in special long-term bonds to support local consumption initiatives, such as trade-in programs for consumer goods [4]. - Experts suggest that the combination of proactive fiscal policies and moderately loose monetary policies will help sustain economic recovery and open up new consumption opportunities [4]. Group 3: Enhancing Consumer Financing and Support - The PBOC plans to work closely with fiscal departments to ensure effective policy implementation and enhance financial support for consumption [6]. - Financial institutions are encouraged to innovate financial products to meet diverse consumer needs and improve access to financial services for new urban residents [6]. - There is a call for expanding financing channels to support service consumption sectors, including dining, accommodation, and entertainment, to increase financial resource allocation [6].

Group 1 - The core viewpoint of the article highlights the challenges in the service consumption sector in China, particularly the insufficient supply in areas with strong demand, such as elderly care and childcare services [1] - The report indicates that the supply of services is lagging behind demand, with the enrollment rate for children under three years old being less than 10%, significantly lower than the OECD average of approximately 36% [1] - The quality of service supply is also a concern, with an oversupply of low-end and homogeneous services, while specialized and personalized services are lacking [1] Group 2 - The People's Bank of China and six other departments have issued guidelines to enhance financial support for boosting and expanding consumption, focusing on both supply and demand sides [1] - The monetary policy will aim to maintain ample liquidity and reduce overall financing costs to create a favorable financial environment for consumption expansion [2] - There will be an emphasis on policy coordination, leveraging fiscal, employment, and social security policies to enhance consumer capacity and willingness [2]

Core Viewpoint - The introduction of the "dual interest subsidy" policy marks the first central-level initiative aimed at supporting personal consumption loans and service industry loans, with a focus on enhancing consumer spending and improving financial accessibility [1][2]. Group 1: Policy Characteristics - The "dual interest subsidy" policy features precise subsidy methods, increased support for consumption, a broader coverage range, and more efficient subsidy processes [1]. - A 1% interest subsidy could potentially mobilize 100 yuan in loan funds for every 1 yuan of subsidy, significantly boosting consumer spending and service supply [1]. Group 2: Coverage and Application - The personal consumption loan subsidy policy targets both salaried workers and flexible employment individuals, while the service industry loan subsidy encompasses various types of service providers, including individuals and organizations [1][2]. - From September, individuals can receive up to 500 yuan in loan subsidies for various consumption purposes, with multiple applications allowed [2]. Group 3: Implementation and Oversight - The Ministry of Commerce will collaborate with the Ministry of Finance to ensure effective policy implementation, focusing on policy promotion, auditing, and tracking the policy's impact [3]. - Financial institutions are expected to play a crucial role in implementing the "dual interest subsidy" policy, ensuring compliance with regulations and optimizing financial services [4].