Core Viewpoint - The Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration have issued a notification aimed at enhancing collaboration between commerce and finance to boost consumption, outlining 11 policy measures across three main areas [1]. Group 1: Upgrading Commodity Consumption - The notification emphasizes the enhancement of financial services for durable goods and digital products, aiming to unlock the potential for commodity consumption upgrades [3]. - Financial institutions are encouraged to collaborate with platforms and key merchants to improve payment options such as installment plans, credit cards, mobile banking, and digital currency, catering to consumer demand for upgrades [3]. - Policies will be implemented to rationally determine loan issuance ratios, terms, and interest rates based on customer repayment ability and credit status, while also expediting the development of personal consumption loans [3]. Group 2: Encouraging Local Consumption Initiatives - Local commerce authorities are urged to leverage existing funding channels to actively promote consumption activities, aligning financial support to better stimulate consumption potential [4]. - The use of digital currency smart contracts is encouraged to enhance the effectiveness of consumption promotion policies [4]. - Various financial support methods, such as loan interest subsidies and risk compensation, will be explored to guide credit funds towards key consumption areas [4]. Group 3: Fostering New Consumption Models - The notification calls for the development of new consumption models tailored to local conditions, focusing on sustainable and controllable risks while exploring financial support for emerging economic sectors like green and digital consumption [5]. - Financial institutions are encouraged to collaborate with social e-commerce and live-streaming platforms to create internet-adapted business models [5]. - There is a push for financial services to be more accessible to a broader customer base, including underserved segments, enhancing convenience and availability [5]. Group 4: Innovating Diverse Consumption Scenarios - The notification supports the integration of financing, settlement, and insurance services to foster new consumption scenarios, enhancing financial support for various commercial activities and urban development projects [6]. - Financial institutions are encouraged to engage in rural e-commerce development and support local consumption initiatives, particularly in agricultural product sales [6]. - There is a focus on improving financing for logistics and distribution centers in rural areas to meet the credit needs of cold chain logistics projects [6].

Group 1 - The core viewpoint of the article is the issuance of a notification by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Bureau to strengthen the collaboration between commerce and finance to boost consumption [1] Group 2 - The notification outlines three main areas with eleven policy measures aimed at enhancing cooperation between commerce and finance, increasing financial support for key consumption areas, and expanding cooperation among government, finance, and enterprises [2] Group 3 - Key characteristics of the notification include a goal-oriented and problem-oriented approach, a systematic thinking perspective, and a tailored approach based on local conditions to effectively implement the measures [3]

北京商报讯（记者 胡永新）12月14日，北京商报记者了解到，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》（以下简称《通知》）。《通知》提出，扩大服务消费。扩大知识产权、科技成果等无形资产质押融资服务，丰富适合小微企业的金融产品，发 展商业保险年金、商业健康保险、意外伤害保险等保险产品，提高金融对服务消费的适配性，促进优化服务供给。 在创新多元化消费场景方面，《通知》提出，集成融资、结算、保险等综合金融服务，支持消费新业态新模式新场景建设，加大对"购在中国"系列活动、国 际消费中心城市、步行街（商圈）、特色商业街区、一刻钟便民生活圈、商品市场优化升级、零售业创新提升、老字号守正创新发展等金融支持力度，提供 全产业链条、全生命周期金融服务。结合县域商业提质增效和农村电商高质量发展，探索开发专属贷款产品。 \ ￣ノ 元 間 IF W IF W 。 心 】 向 方 况建立健全协调工作机制，推动解决金融支持扩消费工作落实中遇强 方与金融机构健全沟通合作机制、推出专门工作方案等，引导金融机 富金融产品和服务，加大对消费领域的金融供给。 ...

Group 1 - The core viewpoint of the article is the issuance of a notification by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration to enhance collaboration between commerce and finance to boost consumption [1] Group 2 - The notification outlines 11 policy measures across three main areas, focusing on product consumption, service consumption, new consumption types, consumption scenarios, and consumption assistance [1] - In fostering new consumption, the notification emphasizes the need for localized approaches to promote the development of new consumption, adhering to principles of controllable risk and commercial sustainability [1] - It encourages financial support for emerging economic models such as green consumption, health consumption, digital consumption, "AI + consumption," and "IP + consumption," while providing diverse and differentiated financial services [1] - The notification also calls for collaboration between financial institutions and social e-commerce, live e-commerce, and other sectors to develop business models that align with internet characteristics [1]

Group 1 - The core message emphasizes the need for financial institutions to focus on key consumer sectors to boost and expand consumption [1] - The notification encourages enhanced financial services for durable goods and digital products, aiming to tap into the potential for consumer goods upgrades [1] - Financial institutions are urged to collaborate with platforms and key merchants, improving services like installment payments, credit cards, mobile banking, and digital currency to better meet consumer renewal demands [1] Group 2 - The policy outlines the importance of determining loan issuance ratios, terms, and interest rates based on customers' repayment capabilities and credit status [1] - It highlights the implementation of differentiated policies for personal consumer loans regarding amounts, terms, and interest rates to accelerate the development of personal consumer loan business [1] - The notification suggests waiving penalties for early loan settlements during the vehicle trade-in process [1]

Group 1 - The core message emphasizes the need for financial institutions to focus on key consumer sectors to boost and expand consumption, as outlined in the notification from the Ministry of Commerce, the People's Bank of China, and the financial regulatory authority [1] - The notification proposes a "1+N" policy framework to enhance support for service consumption, particularly in areas such as housekeeping, accommodation and catering, cultural and entertainment, education, tourism, and elderly care [1] - Financial institutions are encouraged to innovate financial products and services that integrate into consumer scenarios and ecosystems, thereby enhancing their engagement in the service consumption and elderly care sectors [1] Group 2 - The notification highlights the importance of utilizing service consumption and elderly care refinancing to incentivize financial institutions to provide loans to businesses in these sectors [1] - A mechanism for promoting key enterprises, projects, and activities is to be established, which will proactively connect financial institutions with relevant service consumption entities [1]

葡萄牙葡中工商会秘书长伯纳德指出，在语言文化层面，澳门深谙葡语国家社会文化与商业环境，能有 效避免跨境合作中的误解；在法律层面，澳门因历史渊源具有与葡语国家相近的行政和法律体系；在金 融层面，澳门成立葡语国家人民币清算中心，已构建稳定的金融通道。 他表示，澳门汇聚的中葡合作相关企业、专业服务机构，已成为阐释中国理念、传递葡语国家诉求的可 靠桥梁。他建议，未来持续强化澳门专业服务枢纽功能，提升中国—葡语国家经贸合作论坛机制地位， 同时在横琴粤澳深度合作区建设跨境相关绿色通道。(完) 孙海诚表示，盼香港与拉美市场深化多维合作，不仅为共建"一带一路"国家基础设施、可再生能源项目 提供绿色融资与资本支持，也依托粤港澳大湾区打造跨境贸易与物流枢纽，为相关企业开辟进入中国市 场的便捷通道，同时推动数字贸易与人民币跨境支付创新，破解跨境交易壁垒。 "澳门是中国与葡语国家开展合作的'精准联系人'，这一角色源于其独特的综合优势。"哲理中非国际交 流智库创始人谭哲理介绍，中葡合作发展基金2013年正式设立，2017年落户澳门，截至2024年4月，出 资总额达约4.7亿美元，带动中国企业赴葡语国家投资超50亿美元。 中新社北京12 ...

每经AI快讯，近日，商务部办公厅、中国人民银行办公厅、金融监管总局办公厅发布关于加强商务和 金融协同，更大力度提振消费的通知。其中提到，培育新型消费。因地制宜推动新型消费发展，按照风 险可控、商业可持续原则，积极探索金融支持首发经济、绿色消费、健康消费、数字消费、"人工智能 +消费"、"IP+消费"等消费新业态新模式的有效举措，提供更具多样性、差异化的金融服务。引导金融 机构与社交电商、直播电商等开展合作，开发适应互联网特点的业务模式。支持金融机构加强与实体零 售、电商平台合作，扩大"一站式"金融服务。在依法合规、风险可控的前提下，合理适度扩大客户范 围，下沉服务"长尾"客户，增强可获得性和便利度。支持金融机构、大型企业在依法合规的前提下，探 索扩大消费积分应用。 ...

Group 1: Financial Data Overview - In November, social financing (社融) increased by 159.7 billion yuan year-on-year, a significant recovery compared to a decrease of 595.9 billion yuan in October[6] - The overall credit scale stabilized, but the willingness of residents to "leverage" remains low, with long-term loans decreasing by 290 billion yuan year-on-year in November[6] - Corporate bond financing demand was strong, with an increase of 178.8 billion yuan year-on-year in November, maintaining above 150 billion yuan for three consecutive months[6] Group 2: Policy Impact and Economic Trends - Policy support and strong financing demand in the technology sector are the main drivers of the recovery in social financing[6] - The impact of government bond financing on social financing has weakened, with a year-on-year decrease of 104.8 billion yuan in November, significantly less than the 564.3 billion yuan decrease in October[6] - The distribution of 500 billion yuan in government debt quotas to local governments is expected to provide effective support to the real economy[6] Group 3: Future Outlook and Risks - Despite the recovery in social financing, underlying demand issues persist, as indicated by declines in M1 and M2 money supply[6] - The widening gap between M1 and M2 suggests ongoing challenges in the economy[10] - Risks include potential economic recovery falling short of expectations amid escalating trade tensions and tighter overseas monetary policies[4]

坚持创新驱动，加紧培育壮大新动能，离不开金融的支持。科技金融，是连接创新链、产业链与资金链 的纽带，也是金融行业赋能科技创新型企业发展的重要举措。中央经济工作会议指出，引导金融机构加 力支持扩大内需、科技创新、中小微企业等重点领域。这既为金融机构服务科技创新划定了方向，也明 确了金融机构责无旁贷的使命担当。 科技金融破局之道首要是破除"短期思维"。科技创新从实验室到产业化一般要经历较长时间，其固有 的"高投入、高风险、长周期"特性，与传统金融"重抵押、重回报"的服务模式存在天然适配难题，这需 要金融机构持续构建与创新规律相适配的发展环境，既不要求创新成果"立等可取"，也不苛求资本回 报"立竿见影"，通过机制设计让金融资本沉下来，陪伴科技企业健康成长。 做好科技金融服务要求金融机构提供更多"专业"的服务。所谓术业有专攻，要让科技企业心无旁骛地发 展科技创新，金融业应更懂企业、更懂科技，甚至谋划在前、想人之未想，在关键领域、重要时点以及 重点环节给予支持。比如，基于企业研发、设备更新以及生产周转需求，创新特色金融产品与服务；对 企业科技成果转化、产业化应用等关键环节进行风险分担、信用增信和经济补偿的制度安排；在企 ...