（来源：河北日报） 转自：河北日报 近日，商务部、中国人民银行、金融监管总局联合印发《关于加强商务和金融协同 更大力度提振消费 的通知》。这份文件与我们每个人的生活息息相关——它关乎的正是金融如何更好地服务我们的日常消 费，让政策的暖意化作市场的温度。这样的探索已悄然生根发芽，而其中的逻辑，正是金融与消费关系 的时代新解。 金融与消费的关系，从来不是单向的资金输送。传统理解中，金融是"输血"工具，为消费提供资金支 持。但在河北的金融实践中，我们看到了一种更深层的逻辑：金融正在从"输血者"转变为"赋能者"。浦 发银行为跑友打造的专属产品，工行为养老院设计的"智慧食堂"，这些都不是简单的放贷，而是基于生 活场景的解决方案。金融在这里扮演的，不仅是资金提供方，更是消费场景的设计者和优化者。 这种转变的底层逻辑在于：现代消费早已不是单纯的"买与卖"，而是体验、场景、服务的综合体。金融 要真正促进消费，就必须深入这些场景，理解消费者的真实需求。 从更深一层看，金融促进消费的方式正在从"大水漫灌"转向"精准滴灌"。在唐山，以旧换新平台精准对 接了家庭装修、电动自行车更新等具体需求，实现了7.26亿元销售额；在承德，金融资 ...

Core Viewpoint - The Supreme People's Court has issued guidelines to support the development of the private economy, proposing 25 specific measures to address issues such as high financing costs and illegal lending practices [1][4]. Group 1: Judicial Support for Private Economy - The guidelines emphasize the need to strictly implement a "non-prohibition, entry allowed" policy and establish a unified negative list for market access, ensuring fair competition and legal protection for various ownership economies [2]. - The guidelines aim to address the issue of overdue payments to private economic organizations, particularly small and medium-sized enterprises (SMEs), by enforcing payment regulations and enhancing mechanisms for preventing and clearing overdue payments [2]. Group 2: Regulation of Financial Practices - The guidelines call for the regulation of financial institutions' lending practices to lower overall financing costs, including the prohibition of illegal lending practices such as "high-interest loans" and "head-cutting fees" [4][5]. - The guidelines highlight the need for financial institutions to innovate financing supply mechanisms and improve credit allocation for private enterprises, particularly SMEs, to enhance service coverage and credit accessibility [6]. Group 3: Consumer Protection and Market Order - The guidelines stress the importance of legally adjudicating consumer disputes and promoting healthy development in the online and platform economy, while also protecting consumer rights and punishing fraudulent claims [3]. - The guidelines propose the establishment of a credit repair mechanism and a system for punishing dishonest behavior, distinguishing between "dishonesty" and "inability" to ensure fair treatment of businesses [6].