【导读】来自北京的利好消息 中国基金报记者 泰勒 大家好，简单关注一则利好消息。 11月18日，中国人民银行北京市分行等12部门印发《金融支持北京市提振和扩大消费的实施方案》。 重点内容如下： 1.总体目标 力争到2030年北京市消费领域金融服务水平进一步提升，北京市住宿餐饮、文旅体育、教育、居民服务等服务消费和养老产业贷款余额持续增长、信贷投 放力度不断加大，个人消费金融服务质效不断提升，金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服务体系基本建成。 2.加大商品消费信贷支持力度 积极开展汽车贷款业务，合理确定贷款发放比例、期限和利率，适当减免汽车以旧换新过程中提前结清贷款产生的违约金。 加大对汽车特别是新能源汽车消费的金融支持力度。 鼓励金融机构通过多种形式参与商家促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 3.促进文旅体育消费提质升级 充分发挥首都"双奥之城"优势，鼓励金融机构围绕"赛事+"、冰雪经济等消费场景丰富金融产品，探索开展"门票收益权质押"等融资模式，着力培育精品 赛事体系和赛事运营企业。 4.丰富住宿餐饮业金融服务供给 支持打造一批具有京味儿特 ...

（原标题：央行北京分行等12部门，最新发布！） 二、加大重点领域金融支持，挖掘消费潜力 （一）加大商品消费信贷支持力度。积极开展汽车贷款业务，合理确定贷款发放比例、期限和利率，适 当减免汽车以旧换新过程中提前结清贷款产生的违约金。引导金融机构针对首次购买、以旧换新、二手 车等不同购车场景优化创新金融产品，加大对汽车特别是新能源汽车消费的金融支持力度。鼓励金融机 构积极满足家电以旧换新、绿色智能家居家装、电子产品等领域消费金融需求，通过多种形式参与商家 促消费活动，提供消费贷款、信用卡分期费率优惠等活动，为消费者适当减费让利。 （二）促进文旅体育消费提质升级。依托首都作为全国文化中心和国际交往中心的功能定位，深挖历史 文化特色资源，围绕全民阅读、文艺演出、直播探店、非遗传承、乡村文旅、民俗文创等领域和北京消 费季"京彩四季"主题活动，创新融资模式，加大信贷投放力度。更好发挥东城区国家文化与金融合作示 范区的引领示范作用，提升辖内银行文化金融服务能力。充分发挥首都"双奥之城"优势，鼓励金融机构 围绕"赛事+"、冰雪经济等消费场景丰富金融产品，探索开展"门票收益权质押"等融资模式，着力培育 精品赛事体系和赛事运营企 ...

Core Viewpoint - The article outlines a comprehensive plan to enhance financial support for consumption in Beijing, aiming to boost various sectors such as accommodation, dining, cultural tourism, education, and elder care, in alignment with national policies and local government directives [1][2]. Group 1: Overall Goals - The plan aims to improve financial service levels in Beijing's consumption sector by 2030, with a focus on increasing loan balances and credit investments in key areas like accommodation, dining, and elder care [2]. Group 2: Financial Support for Key Areas - Increased credit support for goods consumption, particularly in automotive loans, with incentives for purchasing new and electric vehicles [3]. - Promotion of cultural and sports consumption through innovative financing models and increased credit investment in cultural events and tourism [4]. - Expansion of financial services in the accommodation and dining sectors, supporting local brands and themed events [5]. - Development of financial services for domestic help and elder care, aiming to reduce entry costs for service workers [6]. Group 3: Enhancing Services for Key Groups - Support for employment and income growth through reduced financing costs for small and micro enterprises [6]. - Optimization of financial services for the elderly, including tailored financial products and payment conveniences [7]. - Improvement of consumption services for foreign visitors, enhancing payment options and user experience [8]. Group 4: Enhancing Financial Institution Services - Financial institutions are encouraged to provide differentiated and convenient services, focusing on credit products for service consumption [9]. - Support for bond market financing for cultural, tourism, and educational sectors to enhance credit supply [10]. - Promotion of equity financing for quality enterprises in the consumption industry [10]. Group 5: Policy Coordination and Support - Strengthening monetary policy to encourage financial institutions to increase credit in key consumption sectors [10]. - Implementation of fiscal policies to lower consumer credit costs and support small enterprises [10]. - Development of insurance products tailored to the needs of the elderly and low-income groups [11]. Group 6: Strengthening Basic Financial Services - Continuous improvement of the payment environment to stimulate consumption, including the promotion of digital currency [12]. - Establishment of a rapid dispute resolution mechanism for financial consumer rights protection [13]. Group 7: Organizational Support - Enhanced coordination among financial departments and relevant government agencies to support consumption initiatives [14]. - Promotion of financial policies and products to ensure timely access to information and services for consumers and businesses [14].

Group 1 - The core message of the articles emphasizes China's commitment to high-level opening-up and innovation, which presents new opportunities for foreign businesses and investors [1][2] - The "14th Five-Year Plan" highlights the importance of technological innovation in sectors such as biomedicine, new energy vehicles, and artificial intelligence, which is expected to accelerate China's technological advancements [1] - The plan encourages trade innovation and the expansion of green trade, providing a platform for enhanced cooperation between China and Europe, particularly in emerging industries [2] Group 2 - The "14th Five-Year Plan" supports the development of new business models such as cross-border e-commerce, which is seen as a significant opportunity for foreign enterprises, including those from Russia [2] - China's determination to promote high-quality development and expand its opening-up is viewed as a signal of vast investment potential in sectors like culture, tourism, dining, and sports for foreign investors [2] - The plan's objectives not only guide domestic development but also contribute to global economic stability and certainty, according to international economic analysts [2]

浙江"药材堆"里的价值重构：从原产地交易场到体验地 中新网金华11月18日电(林波)手持一杯特制的中药材奶茶，鼻尖萦绕着淡淡药香，在浙江省金华市磐安 县这座"江南药镇"，这样的场景正成为越来越多年轻游客的打卡体验。 这座素有"中国药材之乡"美誉的浙中山城，正在经历一场深刻的产业价值重构——从传统药材生产地、 交易集散地，向现代化康养生活体验地、旅居地转变。 磐安是千年药乡，晋唐时就有中药材种植记载。自唐至元，大盘山所产的13种药材被列为贡品，清朝 时"磐五味"已负盛名，各地药商大量进山收购药材，有"万国皆来市"之说。 这一观点得到了中国旅游集团专家委员会成员、浙江省文化和旅游智库专家李虹的认可。"中国旅游业 普遍存在'资源路径依赖'。我们过去的模式，近乎'圈山圈水卖门票'，把原材料直接当商品卖。这种思 维在游客需求颠覆性变化的今天必须改变。" 面对转型课题，磐安选择的中医药康养之路受到社会各界关注。 "康养旅居转型是磐安文旅产业高质量可持续发展的战略选择，也是突破目前磐安文旅发展瓶颈的必然 选择。"磐安县文广旅体局党组书记、局长虞晓峰表示，聚焦底色和资源，磐安出台《磐安县文旅体产 业康养旅居转型发展三年行动计 ...

Group 1 - The 2025 China International Retail Innovation Conference will be held from November 18 to 20, showcasing "Retail Technology Emerging Enterprises" and best practices in "Retail Digitalization and Technology Applications" as well as "Innovation Best Practices in Consumer Goods" [1] Group 2 - On November 18, a total of 16 companies will have their restricted shares unlocked, with a total of 492 million shares released, amounting to a market value of 10.037 billion yuan based on the latest closing prices [2] - The companies with the highest number of unlocked shares include Bona Film Group (309 million shares), Yunzhongma (86.45 million shares), and Meiai Technology (83.41 million shares) [2] - In terms of market value, Meiai Technology (3.963 billion yuan), Yunzhongma (3.309 billion yuan), and Bona Film Group (2.194 billion yuan) lead the list [2] Group 3 - On November 18, 11 companies disclosed their stock repurchase progress, with 3 companies announcing new repurchase plans and 1 company updating on its repurchase implementation [3] - The new repurchase plans include Xiangyuan Cultural Tourism (up to 120 million yuan), Keli'er (20 million yuan), and Jack Technology (145,400 yuan) [3] - Zhihua Power has repurchased shares worth 39.9047 million yuan [3]

市场是最稀缺的资源，市场资源是我国的巨大优势。"十五五"规划建议明确提出"超大规模市场优 势持续显现"等经济社会发展主要目标，并围绕"建设强大国内市场，加快构建新发展格局"作出战略部 署。系列报道《超大规模市场看优势》将从消费、产业、创新、物流、开放五个方面，看我国超大规模 市场优势何在，如何进一步用好大市场、激活大市场。 我国消费大市场的"世界之最" 充分释放消费大国的市场潜力，是我国推动经济高质量发展、增强内生增长动力的关键举措。我国 超大规模市场体量，14亿消费者共同支撑起全球独有的巨大市场，来梳理一下我国消费大市场的"世界 之最"。 截至2024年，我国汽车产销总量已连续16年位居世界第一，空调、洗衣机、冰箱等家电销量同样位 列全球榜首，同时，我国还是蔬菜、水果、猪肉、水产品、鸡蛋等农副产品的最大消费国。 在数字消费领域，我国拥有全球最大的网上零售市场，网上零售额连续12年全球第一，并且仍在快 速增长，今年前10月达12.79万亿元人民币，同比增长9.6%。 同时，我国在数字消费和创新支付方面引领全球，移动支付交易规模全球第一，2024年达到563.7 万亿元。 层次多元 模式迭代 消费大市场活力充沛 ...

Core Insights - The rise of emotional consumption reflects the psychological needs of contemporary society and is a significant driver of consumption upgrade, with the market expected to exceed 2 trillion yuan by 2025 [1][6] Group 1: Market Trends - Emotional consumption has seen an average annual growth rate of 12% since 2013, indicating a robust market potential [1] - The emotional consumption market is projected to surpass 2 trillion yuan by 2025, becoming a key component of consumption upgrade [1] - The popularity of emotional value products, such as plush toys and aromatherapy, highlights a shift in consumer preferences towards emotional resonance and connection [2] Group 2: Consumer Behavior - Over 90% of young consumers recognize emotional value, with nearly 60% willing to pay for it, showcasing a new consumer attitude [4] - Young consumers are increasingly seeking experiences and emotional connections rather than mere material possession, as evidenced by their engagement with interactive and community-driven products [2][3] - The transformation of traditional spaces into creative markets and experience-driven venues has led to significant increases in foot traffic and sales, reflecting the demand for unique emotional experiences [5] Group 3: Business Strategies - Companies are focusing on product innovation and brand building to enhance the overall image and competitiveness of domestic brands in the emotional consumption sector [6] - The integration of technology, education, and cultural tourism into emotional consumption is seen as a future development direction, aiming to create new economic growth engines [6] - The emphasis on visually impactful and shareable experiences in commercial spaces has resulted in notable sales increases, demonstrating the effectiveness of innovative retail strategies [6]

当根河的雾凇开始凝结，满洲里的冰雪雕塑显出雏形，呼伦贝尔的草原换上银装，以"歌游内蒙古·欢乐 冰雪季"为主题的2025—2026内蒙古自治区冰雪旅游季活动如期启幕。从2025年11月至2026年3月，在为 期5个月的冰雪季中，内蒙古将通过系列惠客举措、贴心服务、精彩活动，全力推动"冷资源"向"热产 业"加速转变，让辽阔北疆的冬季焕发新的生机与活力。 惠客出暖意，释放消费红利。这个冰雪季，内蒙古将把惠客落到实处，从真金白银的优惠到创新的消费 联动，让游客游得安心、玩得舒心。各地将投放文旅消费券，覆盖景区游览、滑雪体验、酒店住宿、餐 饮消费等场景。同时，引导景区、滑雪场、酒店与餐饮企业推出"滑雪+温泉""住宿+美食"等联票套餐， 以组合优惠降低出游成本。奶皮子糖葫芦、布里亚特包子、鄂温克列巴、额尔古纳肺子包等地方风味美 食，不仅能满足游客的味蕾需求，更能为旅程增添"舌尖上的惊喜"。 服务有实招，六项服务托底。针对冬季出游特点，内蒙古推出六项服务，构建起全链条温暖保障网：在 交通枢纽、景区入口等关键点位，"温暖服务"将设置充足的取暖场所与设施；"暖心服务"为游客备好热 饮、姜茶等驱寒饮品，以恰到好处的温度驱散寒意； ...

（央视财经《经济信息联播》）我国超大规模市场优势不仅体现在人口规模，更体现在消费层次的丰富 多元和消费模式的创新迭代。一起感受中国消费大市场的生机活力。 总台央视记者 孟夏冰：位于北京市朝阳区的京东mall，母婴、宠物、零食，每一节"车厢"都有一个不同 的主题。 总台央视记者 吴佳灵：在某服装品牌的北京直播基地，有三个直播间在同时带货。 国家统计局新闻发言人 付凌晖：我国正处在消费结构升级的关键阶段，文化旅游、医疗健康等消费空 间广阔，银发经济、首发经济等快速发展，也为消费扩大注入新动能。 在消费大市场的扩容升级中，服务消费正加速崛起，成为经济增长新引擎。今年以来，文旅市场继续拓 展消费新业态、新模式、新场景，除了表现亮眼的电影，各类线下演出、音乐节、体育赛事、展览、市 集等百花齐放，呈现出多元融合、蓬勃发展的态势。 总台央视记者 苏童：在浙江杭州，有一间全新上线的淘宝"便利店"，它不是街边店，也没有霓虹招 牌，而是藏在居民楼的地下。 在我国超大规模市场的消费版图中，电商已成为不可或缺的增长引擎。刚刚过去的双十一，消费大市场 的火热景象集中呈现，多家电商平台成交数据创下纪录。今年以来，电商生态继续拓展边界，成 ...