城是人的城，人是城的魂。当千万人带着对美好生活的向往，从乡村、县域奔赴陌生的都市——在建筑 工地浇筑高楼的钢筋工、在写字楼间穿梭的快递员、刚走出校园的职场新人、街角便利店的经营者…… 他们有了一个共同的名字：新市民。当前，这一群体规模已突破3亿，占全国总人口比例超20%，他们 既是城市基础设施的建设者、消费市场的生力军，更是城镇化进程中最具活力的"增量力量"。然而，他 们"小额、高频、急需"的金融需求，常因缺抵押、信用数据散被传统服务拒之门外。如何让普惠金融触 达这群"异乡建设者"，成为行业关键命题。 日前，南方都市报社、湾财社携手中国人民大学中国普惠金融研究院，共同启动"中国普惠金融行"专题 系列报道，呈现鲜活生动的普惠金融服务案例、模式，探索数字时代普惠金融创新路径，栏目本期采访 马上消费。 作为国内31家持牌消费金融机构之一，马上消费率先将服务新市民纳入核心战略，致力于以科技打破普 惠金融的"地域与数据壁垒"。截至2024年底，已有近1亿新市民通过马上消费旗下平台"安逸花"获得服 务，更有超1000万此前从未有过信用记录的"白户"，第一次拥有了自己的征信档案，让他们在城市里的 下一步规划，多了一份金融支 ...

Core Viewpoint - The implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies aims to alleviate credit burdens for residents with genuine consumption needs and to support service-oriented consumption, thereby stimulating market activity and economic growth [1][2][3]. Group 1: Policy Implementation - The State Council's meeting emphasized the importance of fiscal and financial collaboration to boost consumption and activate the market by focusing on both personal consumption and service industry loan demands [1][2]. - The policies are seen as a form of "national subsidy" in the financial sector, aimed at reducing credit costs for residents and financing costs for service industry entities, thus enhancing consumption potential and market vitality [2][3]. Group 2: Financial Institutions' Role - Financial institutions are encouraged to design matching interest-subsidized loan products and ensure compliance in fund usage, with a focus on specific consumption scenarios [4][5]. - Institutions should actively identify financing needs among small and medium-sized enterprises in sectors like catering, housekeeping, and childcare, especially those affected by the pandemic or planning expansion [5]. Group 3: Consumer Financing Products - Financial institutions have accelerated the launch of consumer financing products tailored to consumption upgrades, such as "Consumption Upgrade Loan" and "Green Consumption Loan" [6]. - A roadmap for financial support to boost consumption has been outlined, combining credit support, scenario discounts, and green incentives to lower consumer costs and enhance willingness to spend [6].

消费是经济高质量发展的基础动力。在今年的《政府工作报告》中，"消费"一词出现32次，"大力提振 消费、提高投资效益，全方位扩大国内需求"更是被列为今年各项工作任务之首。 2024年8月，国务院发布的《关于促进服务消费高质量发展的意见》提出，"引导金融机构优化信贷产 品、提供差异化服务，按照风险可控、商业可持续原则，加大对服务消费重点领域信贷支持力度"。 3月，国家金融监督管理总局有关负责人就发展消费金融助力提振消费工作答记者问时表示，增加消费 金融供给，金融机构要围绕扩大商品消费、发展服务消费和培育新型消费，丰富完善金融产品和服务。 近日召开的中共中央政治局会议提出，"要提高中低收入群体收入，大力发展服务消费，增强消费对经 济增长的拉动作用"。 服务消费：经济增长的新引擎 什么是服务消费？服务消费是指人们用于支付社会提供的各种文化和生活方面的非商品性服务，既包括 餐饮住宿、家政、养老托育等基础型消费，又涵盖旅游、体育、文化娱乐、居住服务等改善型消费，还 包括数字、绿色、健康等新型消费。 "当下，我国消费结构正加快从传统实物型消费向服务消费、智能消费转型，居民消费需求呈现多样 化、个性化、高品质化趋势，这种结构 ...