Core Viewpoint - The Shenzhen Municipal Market Supervision Administration and four other departments have issued the "Shenzhen Three-Year Action Plan for Optimizing the Consumption Environment (2026-2028)", which aims to support insurance institutions in optimizing products and services, including the exploration of insurance products for unconditional return and exchange services under the premise of legal compliance and risk control [1]. Group 1 - The action plan is set to be implemented from 2026 to 2028 [1]. - It emphasizes the importance of legal compliance and risk control in the development of new insurance products [1]. - The initiative aims to enhance consumer confidence and improve the overall consumption environment in Shenzhen [1].

Core Viewpoint - The Shenzhen Municipal Market Supervision Administration and four other departments have issued the "Shenzhen Three-Year Action Plan for Optimizing the Consumption Environment (2026-2028)" focusing on enhancing financial support for service consumption and the elderly care industry [1] Group 1: Financial Support Measures - The plan emphasizes the use of service consumption and elderly care re-loans to strengthen financing connections in these sectors [1] - It proposes the use of financing guarantees and risk compensation measures to improve the accessibility and convenience of financing for enterprises in the service consumption sector [1] - There is a recommendation to reasonably increase consumer loan limits and extend loan terms under the premise of controllable risks [1] Group 2: Monitoring and Product Development - A consumer credit monitoring mechanism will be established to enhance supervision over the use and flow of consumer credit [1] - Support will be provided for insurance institutions to optimize products and services, including the exploration of insurance products for unconditional return and exchange services, within legal and risk-controlled frameworks [1] - The plan calls for strengthening fund performance management and evaluation to accurately leverage fiscal measures to promote consumption [1]