齐鲁晚报.齐鲁壹点孔茜 2026年，济宁坚持惠民生和促消费紧密结合，深入实施提振消费专项行动，通过提升新供给、塑造新场 景、培育新热点三点发力，全力推动消费市场扩容升级，力争全年社会消费品零售总额增长6%左右， 为经济高质量发展注入强劲动力。 释放商品消费需求，落实好以旧换新政策，联动商家平台推出消费券和让利优惠，推动汽车、家电、手 机数码产品换新，举办"运河之都、惠购济宁"促消费活动200场以上。加快建设高品质住宅，推出一 批"好房子"，用好"卖旧买新""以旧换新"政策，积极开展购房节、重点群体团购等活动，激活住房消 费。 挖掘服务消费潜力，扩大餐饮、旅游、教育、医疗、养老等服务消费规模，积极发展首店经济、美食经 济、赛事经济。激发新型消费动能，推进智慧商圈、智慧街区、无人商店建设，大力发展即时零售、直 播电商等新业态，打造"1+10"电商产业集聚区。支持"互联网+医疗健康"发展，提升养生保健、康复疗 养等服务水平。 推动消费载体升级，培育壮大太白楼路、金宇路、京杭路等主城区核心商圈，优化提升任城运河记忆、 曲阜蓼河古街、微山运河湾、梁山公明坊等特色街区，深入开展千集万店改造提升行动，畅通县乡村三 级商贸物 ...

Core Viewpoint - Yantai City is actively implementing comprehensive reforms during the "14th Five-Year Plan" period, aiming to enhance economic development and establish itself as a leading city in northern China with a GDP exceeding 1 trillion yuan [1][2]. Economic Development and Reform - Yantai's GDP has crossed three trillion yuan milestones, becoming the first prefecture-level city in northern China to exceed 1 trillion yuan in 2023 [2]. - The city has developed a modern industrial system, with 252 enterprises contributing nearly 70% of the industrial output value while representing less than 10% of the total number of industrial enterprises [2]. - Yantai has been recognized for its strategic emerging industries, with the establishment of several significant industrial clusters, including one valued at 300 billion yuan and another at 200 billion yuan [2]. Institutional and Market Reforms - The city has implemented significant reforms in state-owned enterprises, reducing the number from 19 to 12 and optimizing their operations [3]. - Yantai's state-owned enterprises are expected to see asset growth of 111%, revenue growth of 119%, and profit growth of 15% compared to the end of the "13th Five-Year Plan" [3]. Business Environment and Financial Reforms - Yantai has introduced over 600 innovative measures to improve the business environment, addressing more than 6,300 feedback requests from enterprises [4]. - The city has maintained its position as the top city in China for fiscal transparency for eight consecutive years [4]. Regional Development and Urban Planning - Yantai is advancing urban planning reforms, with significant projects underway to improve urban infrastructure and living conditions for nearly 500,000 households [5]. - The city has established 126 rural revitalization zones to support agricultural and rural development [6]. Green and Low-Carbon Development - Yantai has been recognized as a national pilot city for carbon peak initiatives and has made significant strides in clean energy development [7]. - The city has achieved air quality standards for eight consecutive years and has been awarded the International Garden City Gold Award [7]. Social Development and Public Services - Yantai has implemented reforms in education, healthcare, and social security, with a focus on improving employment support for key demographics [8]. - The city has achieved a 95% coverage rate for preschool education and has established a comprehensive elderly care service system [8]. Safety and Governance - Yantai has developed a robust social governance framework, receiving recognition as a model city for social governance modernization [9]. - The city has established a collaborative mechanism between government and judicial bodies to enhance legal and social stability [9]. Party Leadership and Reform Direction - Yantai emphasizes the integration of party leadership in all reform processes, ensuring alignment with national and provincial directives [11]. - The city is committed to continuous reform efforts, focusing on systemic integration and practical outcomes to support its development goals [12].

本报玉树讯 （记者 程宦宁） 12月18日，新建的玉树市第九幼儿园教学楼内孩子们的欢声笑语伴着供暖 管道里热水流动的轻响，温暖了高原的清晨。社区助餐点的炊烟袅袅升起，几位老人正围坐着等候热乎 的早餐，不远处的卫生院门口，刚完成体检的牧民们脸上带着安心的笑容……街头巷尾，处处是民生改 善带来的鲜活气息。 "十四五"以来，玉树市财政用于民生支出占比稳定在82.93%以上，全力推动民生保障各项工作落地见 效。教育事业稳步向好、基础夯实，学前教育毛入园率达91.5%、义务教育巩固率达97.51%、高中阶段 毛入学率达92.7%。累计投入资金3.56亿元，实施新建、扩建及维修改造项目39个，同步推进校园供暖 改造与餐饮安全整治，教育教学质量、办学基础条件稳步提升，教师队伍建设持续加强。卫生健康服务 迭代升级、体系完善，持续夯实县乡村三级医疗网络，巩固深化重大传染病和地方病防治成果。就业工 作精准发力、成效显著，着力打造"携手玉树·就在建湖"劳务品牌，实现城镇新增就业304人、农牧区劳 动力转移就业1908人次，高校毕业生登记就业率稳定在92%。民生保障多措并举、精准发力，完成"一 老一小"服务设施及西杭街道养老服务中心 ...

Core Viewpoint - The recent notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration aims to strengthen the collaboration between commerce and finance to boost consumer spending and enhance financial support for consumption [1]. Group 1: Financial Support for Consumption - Local governments are encouraged to collaborate with financial institutions to develop specialized work plans and enhance communication mechanisms, thereby increasing financial supply in the consumption sector [1]. - Financial institutions are urged to partner with platforms and key merchants to improve payment services such as installment payments, credit cards, mobile banking, and digital RMB, catering to consumer upgrade demands [1]. - The notice emphasizes the need to expand the customer base while ensuring compliance and risk control, particularly targeting "long-tail" customers to enhance accessibility and convenience [1]. Group 2: Promotion of Consumption Policies - The notice calls for the utilization of both commerce and finance channels to promote existing financial support measures for consumption, encouraging enterprises and consumers to fully leverage policy benefits [1]. - Financial consumer rights protection is highlighted, guiding consumers towards rational borrowing and consumption [1]. Group 3: Focus on Key Consumption Areas - There is a push to enhance financial services for durable goods and digital products, aiming to unlock potential in product consumption upgrades [4]. - The notice encourages the development of financial products and services tailored to service consumption sectors such as home services, hospitality, entertainment, education, tourism, and elderly care [5]. - New consumption models, including green consumption and digital consumption, are to be supported through innovative financial services that align with local conditions [6]. Group 4: Integration of Financial Services - The integration of financing, settlement, and insurance services is encouraged to support new consumption scenarios and enhance the financial backing for various commercial activities [7]. - Financial institutions are urged to actively participate in local consumption promotion activities organized by business authorities [8].

Core Viewpoint - The article discusses the implementation plan aimed at enhancing the adaptability of supply and demand in consumer goods, with a focus on optimizing the supply structure and promoting high-quality development in consumption by 2027 and 2030 [1][2]. Group 1: Current Challenges in Consumer Goods Market - The fundamental issue in China's consumer goods market is the structural problem where the supply side has not timely responded to the trend of consumption upgrading [2]. - There is a significant need to improve the supply of high-quality, high-value-added products and brand premium capabilities, particularly in sectors like home appliances and new energy vehicles [2]. - Service consumption still has considerable room for upgrade, with restrictions in sectors such as education, healthcare, and elderly care limiting the supply of quality services [2]. Group 2: Key Tasks and Strategies - The plan outlines five areas with 19 key tasks to promote positive interaction between supply and consumption [2]. - Emphasis is placed on technological empowerment to drive industrial upgrades, focusing on sectors like automotive, home furnishings, and consumer electronics [3]. - The establishment of unified service standards and monitoring systems in service sectors is crucial for enhancing service quality and promoting brand protection [3]. Group 3: Market Activation and Channel Optimization - The plan calls for the continuous implementation of policies to expand market access and open up service sectors, addressing local protectionism and market segmentation [4]. - There is a need to enhance government investment structures to improve accessibility to quality supply, particularly in rural areas, to unleash rural consumption potential [4]. Group 4: Innovation and Supply Expansion - The article highlights the importance of scenario innovation and the integration of various business formats to expand supply space, promoting deep integration of culture, tourism, and technology with consumption [5]. - Support for the construction of international consumer center cities and the enhancement of consumer finance policies are essential for fostering a conducive environment for consumption [5].

Core Points - The Guangdong Provincial Market Supervision Administration, along with the Hong Kong and Macau authorities, announced a new batch of 27 "Bay Area Standards" on World Standards Day, October 14 [1] - The newly released standards cover various sectors including industry, business, and culture, with specific examples such as "green bond environmental benefit information disclosure indicators" and "home care health management services for the elderly" [1] - Aiming to support the upcoming 15th National Games and the Special Olympics in the Greater Bay Area, a standard for "general guidelines for volunteer services at large events" was introduced [1] - To date, a total of 262 "Bay Area Standards" have been jointly established by the three regions, encompassing fields like transportation, water conservancy, traditional Chinese medicine, green ecology, and elderly care services [1] - The formulation and promotion of these standards are expected to enhance regulatory alignment and mechanism connectivity in the Greater Bay Area, facilitating regional integration and contributing to the development of a world-class bay area and a world-class city cluster [1]

Core Viewpoint - The Chinese government has introduced a series of policies aimed at expanding service consumption, which is seen as a crucial driver for economic growth and improving living standards. The measures focus on addressing barriers to service consumption development and enhancing the quality and variety of service offerings [1][2][3]. Group 1: Policy Measures - The policies emphasize a combination of improving people's livelihoods and promoting consumption, including initiatives for high-profile sports events, long-term care insurance, and early childhood education [1]. - The measures advocate for a dual approach of optimizing supply and stimulating demand, proposing pilot projects for new consumption models and enhancing consumer credit support [2]. - The government aims to balance external openness and internal deregulation, encouraging foreign investment in service sectors while reducing market entry barriers for domestic and foreign businesses [2]. Group 2: Market Performance - In the first half of the year, over 19 million foreign visitors entered China, marking a 30% increase year-on-year, with visa-free entries rising by 54% [3]. - The number of duty-free shops has tripled compared to the end of 2024, with a 248% increase in the number of people benefiting from duty refunds and a 98% rise in refund sales [3]. Group 3: Service Quality Enhancement - The government plans to enhance service supply quality by promoting innovation in service sectors, integrating various consumption formats, and increasing the availability of skilled service personnel [4]. - The Ministry of Culture and Tourism aims to improve tourism services and experiences through initiatives like the "Strong Foundation Renewal Action" for tourist attractions and promoting diverse tourism products [5]. Group 4: Financial Support - The People's Bank of China has established a 500 billion yuan fund to support service consumption and elderly care, with significant loan applications already submitted by financial institutions [5]. - As of July, the loan balance in key service consumption sectors reached 2.79 trillion yuan, reflecting a year-on-year growth of 5.3% [5].

Core Viewpoint - The State Council has approved a pilot program for comprehensive reform of factor market-oriented allocation in 10 regions, aiming to enhance resource allocation efficiency and promote high-quality economic development [1][2]. Group 1: Pilot Regions and Characteristics - The 10 approved regions for the pilot program include Beijing Urban Sub-center, Jiangsu Su-Nan Key Cities, Zhejiang Hangzhou-Ningbo-Wenzhou, Anhui Hefei Metropolitan Area, Fujian Fuzhou-Xiamen-Quanzhou, Henan Zhengzhou, Hunan Chang-Zhu-Tan, Guangdong Greater Bay Area, Chongqing, and Sichuan Chengdu [2]. - These regions are characterized by strong economic growth and development foundations, making them representative for the reform [2]. Group 2: Reform Measures and Goals - The pilot program will focus on various reform measures tailored to local conditions, including stimulating technological innovation, promoting efficient land allocation, guiding human resource mobility, and enhancing capital service capabilities for the real economy [2][3]. - The program aims to improve factor coordination efficiency, explore new allocation methods, and foster new productive forces [3]. Group 3: Financial Support and Initiatives - The People's Bank of China is committed to supporting the pilot program by enhancing financial services and promoting green finance initiatives, including the issuance of a new green finance support project directory by 2025 [4][5]. - As of the second quarter of 2025, over 1.38 trillion yuan in carbon reduction loans have been issued, and green loan balances reached approximately 42.4 trillion yuan, indicating significant financial backing for green and innovative projects [5]. Group 4: Data Resource Utilization - The National Data Bureau plans to enhance the value of public data resources in the pilot regions, addressing issues such as data quality and circulation [7][8]. - The focus will be on developing data sharing and transaction mechanisms while ensuring data security, with specific tasks assigned to regions like Fuzhou-Xiamen-Quanzhou and the Greater Bay Area [8].

Group 1 - The core viewpoint emphasizes that consumption is a crucial engine for economic growth and a key link in facilitating domestic circulation, highlighting the importance of fiscal measures in boosting consumption [2] - On August 12, the Ministry of Finance, in collaboration with other governmental bodies, released two new policies aimed at promoting consumption through interest subsidies on personal consumption loans and service industry loans [2] - The personal consumption loan interest subsidy covers various sectors including household vehicles, education, and healthcare, with a subsidy rate of 1% for a duration of one year [2][3] Group 2 - The service industry loan interest subsidy focuses on eight major consumption service sectors such as dining, health, and tourism, also offering a 1% subsidy for one year [2] - The Deputy Minister of Finance described these policies as a significant financial support to enhance consumer spending and improve service levels in the consumption sector, likening it to a "national subsidy" [3] - Recent fiscal policies have established a trend where fiscal measures are becoming the cornerstone for boosting consumption and ensuring livelihoods, indicating a need for increased fiscal spending and precision in targeting [4] Group 3 - The implementation of a childcare subsidy program starting January 1, 2025, will provide annual subsidies of 3,600 yuan per child for families with children under three years old, aiming for comprehensive coverage under the three-child policy [4] - A policy for free preschool education will be introduced in the fall semester of 2025, eliminating fees for public kindergarten for the final year, with a focus on increasing government investment [4] - A recent announcement regarding an increase in basic pension levels for retirees, effective January 1, 2025, will see an overall adjustment of 2% based on the average monthly pension of retirees in 2024 [5] Group 4 - The methods of fiscal intervention are becoming increasingly diverse and impactful, with a focus on ensuring that every penny of fiscal spending is directed to areas of greatest need [6] - The potential for fiscal measures to leverage and stimulate consumption remains significant, indicating a proactive approach to economic recovery [6]

Core Viewpoint - The government has introduced two subsidy policies for personal consumption loans and service industry loans to stimulate consumption and support businesses, focusing on improving residents' living standards and enhancing service quality [1]. Personal Consumption Loan Subsidy Policy - The central government will provide interest subsidies for personal consumption loans, targeting loans used for various consumer expenditures, including daily expenses and significant purchases like cars and home renovations [2]. - The subsidy rate is set at 1%, approximately one-third of the current interest rate for personal consumption loans [2]. - The policy will be implemented for one year and covers both goods and service consumption [2]. Service Industry Loan Subsidy Policy - The subsidy targets bank loans issued to service industry businesses, focusing on eight key sectors such as dining, health, and tourism [3]. - Similar to the personal loan policy, the subsidy rate is also 1% and can be applied for one year [3]. - Each business can receive a maximum subsidy of 10,000 yuan for loans up to 1 million yuan [3]. Application Conditions for Personal Consumption Loan Subsidy - Individuals must have obtained a consumption loan from September this year and demonstrate actual consumption behavior [4]. - The maximum subsidy for a single loan is 500 yuan, with a cumulative maximum of 3,000 yuan for multiple loans [4]. Application Conditions for Service Industry Loan Subsidy - Businesses must utilize the loan funds for operational activities to qualify for the subsidy [5]. Loan Subsidy Processing for Personal Consumption - Borrowers need to authorize the lending institution to access transaction information for subsidy processing [9]. - The lending institution will deduct the subsidy amount from the interest payments, and borrowers will be notified through various channels [9]. Loan Subsidy Processing for Service Industry - Businesses follow standard credit procedures to apply for loans, and once the subsidy funds are received, the bank will refund the interest paid [11]. - Future interest payments will have the subsidy deducted directly by the bank [11]. Cost-Saving Examples - A consumer taking a 200,000 yuan loan for home renovation at a 3% interest rate could save 2,000 yuan in interest due to the subsidy [13]. - A restaurant receiving a 900,000 yuan loan can benefit from a total subsidy of 9,000 yuan, with the bank refunding part of the subsidy after receiving government funds [15]. Key Highlights of the "Double Subsidy" Policy - The policy aims for precise subsidies, greater support for consumption, broader coverage, efficient processing, and a focus on serving consumers and businesses [16].