为充分发挥财政政策引导带动作用，推动降低服务业经营主体融资成本，助力激发消费市场活力， 以高质量供给创造有效需求，财政部等九部门近日联合印发《服务业经营主体贷款贴息政策实施方 案》，明确对符合条件的消费领域服务业经营主体贷款给予财政贴息。 根据方案，同时符合以下条件的贷款可享受贴息政策：一是由经办银行向餐饮住宿、健康、养老、 托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主体发放。二是在《提振消费专项行动方 案》公开发布之日（2025年3月16日）至2025年12月31日期间签订贷款合同且相关贷款资金发放至经营 主体。三是贷款资金合规用于改善消费基础设施和提升服务供给能力。民办非企业法人的养老服务机构 同等享受贷款贴息政策。政策到期后，可根据实施效果研究延长政策期限、扩大支持范围。 对于贴息标准，方案明确，年贴息比例为1个百分点，且最高不超过贷款合同利率的50%，中央财 政、省级财政分别承担贴息资金的90%、10%。贷款合同利率需要符合相应利率自律约定。政策执行期 内，每名借款人在一家贷款经办机构可享受的全部个人消费贷款累计贴息上限为3000元（对应符合条件 的累计消费金额30万元），其中在一家贷款经 ...

● 本报记者 彭扬 中国证券报记者8月12日获悉，财政部、人民银行、金融监管总局三部门日前制定了《个人消费贷款财 政贴息政策实施方案》，财政部、民政部等九部门制定了《服务业经营主体贷款贴息政策实施方案》， 两项贷款贴息政策实施方案于12日发布。 财政部有关负责人表示，通过实施个人消费贷款财政贴息政策，进一步强化财政金融协同联动，以"真 金白银"支持居民消费，降低居民消费信贷成本，在激发居民消费潜力的同时，支持扩大内需，同此前 出台的消费品以旧换新等政策，以及财政部同期出台的服务业经营主体贷款贴息政策形成"组合拳"，从 需求端和供给端协同发力，加力提振消费，巩固经济持续向好发展态势。 降低个人消费贷款成本 《个人消费贷款财政贴息政策实施方案》提出，2025年9月1日至2026年8月31日期间，居民个人使用贷 款经办机构发放的个人消费贷款（不含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放 账户等识别借款人相关消费交易信息的部分，可按规定享受贴息政策。 贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文化旅 游、家居家装、电子产品、健康医疗等重点领域消费。对于单笔5万 ...

Group 1: New Business Entities - In the first half of the year, a total of 13.278 million new business entities were established in China, including 4.62 million new enterprises, 8.629 million new individual businesses, and 29,000 new farmers' cooperatives, indicating stable growth across various business types [1] - The number of newly established private enterprises reached 4.346 million, representing a year-on-year increase of 4.6% [2] - The number of newly established foreign-funded enterprises was 33,000, with a year-on-year growth of 4.1% [2] Group 2: Foreign Investment - Actual foreign investment in the manufacturing sector amounted to 109.06 billion yuan, while the service sector attracted 305.87 billion yuan [2] - High-tech industries saw actual foreign investment of 127.87 billion yuan, with significant growth in e-commerce services (127.1%), pharmaceutical manufacturing (53%), aerospace equipment manufacturing (36.2%), and medical device manufacturing (17.7%) [2] - Investment from ASEAN countries increased by 8.8%, while Switzerland, Japan, the UK, Germany, and South Korea saw respective increases of 68.6%, 59.1%, 37.6%, 6.3%, and 2.7% [2] Group 3: Economic Structure and Growth - The growth in new business entities reflects a shift in economic structure, with 601,000 new entities in the primary industry, 965,000 in the secondary industry, and 1.1712 million in the tertiary industry [3] - By the end of June, there were 25.361 million registered "new economy" enterprises, accounting for 40.2% of the total, with a year-on-year growth of 6.6% [3] - The value added by the "new economy" in 2024 was projected at 24.2908 trillion yuan, growing by 6.7% year-on-year, and accounting for 18.01% of GDP [3] Group 4: Cultural Industry Highlights - The cultural industry showed significant growth, with new enterprises in the "cultural, sports, and entertainment" sector increasing by 17.5%, leading all sectors of the national economy [5] - Revenue from large-scale cultural and related industries reached 71.292 billion yuan, a year-on-year increase of 7.4%, while total profits grew by 19.3% to 6.298 billion yuan [6] - The cultural new economy, characterized by 16 sub-sectors, generated 31.564 billion yuan in revenue, growing by 13.6% year-on-year, outpacing the overall growth of large-scale cultural enterprises by 6.2 percentage points [6]

Core Viewpoint - The introduction of personal consumption loan interest subsidies and service industry loan interest subsidies aims to stimulate domestic demand and enhance consumer spending, as part of the government's broader economic strategy [1][2]. Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan subsidy policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to receive interest subsidies on personal consumption loans used for specific consumption purposes [1][2]. - The subsidy covers loans for both small purchases (below 50,000 yuan) and larger expenditures such as home appliances, automobiles, education, and healthcare, with a maximum subsidy limit of 3,000 yuan per borrower [2][3]. - The annual subsidy rate is set at 1%, with the central and provincial governments covering 90% and 10% of the subsidy costs, respectively [2][3]. Group 2: Service Industry Loan Subsidy Policy - The service industry loan subsidy policy targets loans issued to service sector businesses in areas such as hospitality, healthcare, and entertainment, with a maximum loan amount of 1 million yuan eligible for subsidies [1][3]. - The policy stipulates that loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumer infrastructure and service capabilities [3][4]. - A total of 21 national banks are designated as the lending institutions for these service industry loans, and strict compliance measures are in place to prevent misuse of funds [4].

激励机制方面，全市已备案技能人才自主评价企业402家，覆盖工业制造业、服务业、建筑业等近20个 行业、400多个职业（工种），累计已开展企业技能人才自主评价11.63万人次。 据临沂市人力资源和社会保障局相关负责人介绍，临沂市技能人才的增长离不开四方面的努力。技工教 育改革方面，临沂市着力构建"政校企"协同育人机制，全市15所技工院校在校生达5.1万人，年输送毕 业生1.38万人。打造了53家"厂中校""校中厂"，开设了99个"订单班""冠名班"，实现了"入学即入职、毕 业即就业"的无缝衔接，毕业生就业率连续三年保持在98%以上。 技能培训方面，临沂市在全国范围内遴选了7家优质互联网培训平台，为劳动者提供线上技能培训和创 业培训服务；在省内率先推广"社区夜校"微培训模式，打造"沂蒙技能夜工坊"特色培训品牌，推动技能 培训服务直达街道社区，以"微培训"促进社区"微就业"；持续迭代升级"临沂市职业技能培训地图"，不 断延伸职业培训服务链条，方便劳动者随时随地查询培训信息，以技能提升促进劳动者就业创业。 齐鲁晚报·齐鲁壹点 李其峰 8月12日，记者从临沂市人民政府新闻办公室新闻发布会上了解到，今年上半年临沂市新增技 ...

【重点关注】 ·《中美斯德哥尔摩经贸会谈联合声明》发布中美就24%关税继续暂停等达成共识 ·财政部等三部门发布个人消费贷款财政贴息政策实施方案 ·九部门：8类符合条件的服务业经营主体贷款可享贴息 【国内要闻】 ·中美双发发布《中美斯德哥尔摩经贸会谈联合声明》。美国将继续修改2025年4月2日第14257号行政令 中规定的对中国商品（包括香港特别行政区和澳门特别行政区商品）加征从价关税的实施，自2025年8 月12日起再次暂停实施24%的关税90天，同时保留按该行政令规定对这些商品加征的剩余10%的关税。 ·国务院关税税则委员会称，自2025年8月12日12时01分起，调整《国务院关税税则委员会关于对原产于 美国的进口商品加征关税的公告》（税委会公告2025年第4号）规定的加征关税措施，在90天内继续暂 停实施24%的对美加征关税税率，保留10%的对美加征关税税率。 ·财政部等三部门发布《个人消费贷款财政贴息政策实施方案》。方案提出，2025年9月1日至2026年8月 31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用卡业务）中实际用于消费，且贷 款经办机构可通过贷款发放账户等识别借款人相关消费交 ...

Core Insights - The average per capita savings of Chinese residents reached 128,000 yuan by mid-2025, marking an 8.3% increase from the end of 2024, reflecting the resilience of the Chinese economy and highlighting wealth management disparities among different groups [1] Group 1: Regional Disparities - Beijing, Shanghai, and Zhejiang have the highest per capita savings at 286,000 yuan, 269,000 yuan, and 224,000 yuan respectively, driven by developed financial industries and vibrant private economies [2] - Guangdong, despite having the largest economic output, ranks fifth with a per capita savings of 147,000 yuan, attributed to a large number of migrant workers [2] - Central and western provinces generally fall below the national average, with Gansu and Guizhou showing per capita savings in the range of 70,000 to 80,000 yuan, indicating significant regional development imbalances [2] Group 2: Generational Differences - The 35-45 age group has an average savings of 182,000 yuan, significantly higher than other age groups, aligning with the lifecycle theory as they face multiple financial responsibilities [5] - The 90s generation has an average savings of 93,000 yuan, with 20% of young individuals having savings below 10,000 yuan, influenced by changing consumption patterns and mortgage pressures [5] - Individuals aged 60 and above have an average savings of 156,000 yuan, showing a growing awareness of retirement savings [5] Group 3: Occupational Disparities - Financial industry workers lead with an average savings of 231,000 yuan, followed by IT service professionals at 198,000 yuan, while traditional manufacturing workers average 82,000 yuan [8] - Service industry workers generally have savings around 60,000 yuan, reflecting income disparities driven by industrial structure upgrades and skill premium effects [8] - The rise of freelancers during the pandemic shows a split, with about 35% achieving excess savings, while nearly half have savings below 50,000 yuan [8] Group 4: Wealth Management Trends - Although demand deposits still account for 55% of total savings, the proportion of large time deposits and structured deposits has increased by 6 percentage points, indicating a growing awareness of wealth management [10] - 67% of families have adopted the "4321" asset allocation rule, a 22 percentage point increase since 2020, although 38% still keep over 70% of their assets in banks, reflecting concerns about market volatility [10] Group 5: Financial Health Assessment - Economists argue that measuring financial health solely by savings amounts is limited, as property net worth constitutes 62% of total household assets, with debt levels showing a "high in the east, low in the west" pattern [12] - Shanghai households have an average debt ratio of 56%, while central and western households have lower debt ratios but weaker risk management capabilities [12] - A new assessment standard suggesting "liquid assets covering six months of expenses" is recommended for a more accurate reflection of financial resilience [12] Group 6: Wealth Management Recommendations - For families below the savings benchmark, experts suggest a tiered improvement plan, including establishing an emergency fund covering 3-6 months of expenses, prioritizing debt repayment for high-interest loans, diversifying income sources, and utilizing AI investment tools for dynamic asset management [14] Group 7: Emerging Savings Trends - Approximately 27% of the 90s generation employs "goal-based saving," setting up dedicated accounts for specific objectives like home purchases or studying abroad [16] - 45% of middle-class families have allocated assets across borders, with Hong Kong insurance and US ETF investments becoming popular choices, indicating a shift towards global asset allocation [16] - The data on savings serves as both an economic indicator and a reflection of social development, with future policy discussions likely focusing on reducing savings disparities through tax reforms and social security improvements [16]

周二，财政部发布《个人消费贷款财政贴息政策实施方案》、《服务业经营主体贷款贴息政策实施方 案》，并答记者问，以下是记者问要点： 《个人消费贷款财政贴息政策实施方案》出台背景 为深入贯彻落实党中央、国务院决策部署，按照7月31日国务院常务会议精神，财政部会同中国人民银 行、金融监管总局联合印发《方案》，通过实施个人消费贷款财政贴息政策，进一步强化财政金融协同 联动，以"真金白银"支持居民消费，降低居民消费信贷成本，在激发居民消费潜力的同时，支持扩大内 需，同此前出台的消费品以旧换新等政策，以及财政部同期出台的服务业经营主体贷款贴息政策形 成"组合拳"，从需求端和供给端协同发力，加力提振消费，巩固经济持续向好发展态势。 个人消费贷款财政贴息政策直接惠及消费者个人 与以往贴息政策重点支持投资端、供给端不同，此次出台的个人消费贷款财政贴息政策从需求端发力， 直接惠及消费者个人，降低个人消费贷款成本，贴息资金由相关贷款经办机构直接在向借款人收取贷款 利息时直接扣减，提高消费者幸福感、获得感。在支持对象上，依托商业银行、消费金融公司等差异化 的客群基础，广泛覆盖工薪阶层、灵活就业人员等各类人群，增强政策的普惠性。 个人消 ...

从市场需求看，投资、出口带动作用明显，居民消费持续回升。从投资先行指标看，前5个月新开 工项目数同比增长26.1%，新开工项目计划总投资增长23.3%；随着疫情得到有效控制，居民消费稳步 恢复，端午节期间市场消费明显回暖，网络零售较快增长，6月份全国电影票房比上月大幅增长1.7倍。 从重点地区看，积极变化不断增多，经济大盘保持稳定。稳增长稳市场主体保就业专项督查的12个 省份，经济总量约占全国的2/3，目前看大多数省份保持正增长、增速有望快于全国，比如福建、山 东、湖北、湖南等省份较好发挥支撑拉动作用。中西部地区经济增速好于全国整体水平，江西、重庆、 贵州、甘肃、宁夏等省份经济保持较快增势。受疫情冲击影响较大的省份经济明显好转，上海、吉林等 地区企业更是"铆足了劲"，加速回补前期"缺口"，上海重点企业用电量是去年同期的1倍多。 "从经济走势看，稳经济各项政策进一步落地见效，下半年经济有望继续保持回升势头。"袁达说， 面对内外部阶段性、突发性因素冲击，我国经济在较短时间内实现企稳回升，展现出了我国经济的强大 韧性和巨大潜力，这充分说明我国经济持续健康发展的良好态势没有改变，支撑高质量发展的生产要素 条件没有改变 ...

2025年8月8日，"启新·致远——2025 我店科技战略发布暨全域培训大会"在海南儋州海花岛盛大启幕。 洋浦经济开发区首席规划师林光明、海南省工商联青年企业家商会秘书长何瑞文、儋州市商务局副局长 陈琦、儋州市农商行行长朱雪坚、中国银行洋浦分行副行长吴彦鹏，以及中国联通儋州市分公司副总经 理潘睿、东方置地董事长刘东方、嘉禾农业董事长周金枝等各界嘉宾受邀出席，与我店科技董事长肖翰 成、CEO 缪海翔率领的核心管理团队齐聚一堂，共同见证企业战略升级重要时刻，携手探索政企协同 与生态共荣的新路径。 战略发布：以"双向奔赴" 锚定自贸港新坐标 大会以"启新·致远"为主题，既是我店科技响应海南自贸港封关运作国家战略的重要举措，也是企业与 儋州深化协同的关键起点。 生态共荣：多元合作绘就"协同发展"蓝图 嘉禾农业董事长周金枝分享了喜禾农场"农业一二三产融合"的实践经验：农场以1.39 亿元投入打造 4993.2亩产业示范区，通过"十二星座热带明星水果年卡"、"水果巴士"等创新模式，实现从种植到文旅 的全链条赋能。她特别提到，通过我店科技的商业模式，热带农产品直达全国消费者，践行"共建共享 共富"理念，展现了我店科技在乡村 ...