Core Viewpoint - The People's Bank of China and six other departments have issued guidelines to enhance financial support for consumption, introducing 19 key measures to stimulate and expand consumer spending [1] Group 1: Financial Support for Consumption - The guidelines emphasize the importance of financial services in supporting the real economy and enhancing consumer spending [1] - Financial products are increasingly integrated into daily life, facilitating the flow of financial resources into the consumption sector [1] Group 2: Automotive Consumption Initiatives - The second round of the "Car Purchase Festival" in Donghu High-tech Zone offers subsidies of 4,000 yuan for vehicles priced over 250,000 yuan, attracting over 1,100 participants and generating over 300 million yuan in sales [2][3] - The festival has led to a cumulative sales increase of over 800 million yuan for the automotive sector in the region [3] - Financial institutions are innovating automotive financing products, such as zero down payment policies and increasing loan-to-value ratios for electric vehicles [3][4] Group 3: Tourism and Cultural Industry Financing - The tourism sector is experiencing increased visitor numbers, with financial support from Postal Savings Bank facilitating upgrades to tourist attractions [5][6] - The bank provided a 90 million yuan loan to a major tourist site, enabling significant improvements and enhancing visitor experience [6] - Innovative financing solutions are being developed to support cultural tourism projects, addressing the long investment cycles and slow returns typical of the industry [7] Group 4: Sports Industry Financing - The introduction of the "Weihai Sports Loan" aims to support local sports enterprises by providing financing without collateral requirements [9][10] - The initiative has already resolved financing needs totaling 1.6 billion yuan for various sports-related businesses [10] Group 5: Consumer Payment Innovations - New payment models, such as the "Anxin Learning" program, enhance consumer confidence by offering flexible payment options and refund guarantees [11][12] - The program has seen significant adoption, with over 36,000 participating merchants across more than 270 cities [12] - The introduction of "runaway compensation" services further protects consumers in the fitness industry, promoting a more secure spending environment [13]

30年音乐"老炮儿"联手美团安心学 500店造线上新宇宙 商报讯（记者 吕文鹃 实习生 王佳怡）近日，晓雯音乐和美团签订深度合作战略协议。未来，双方将深 度探索"安心学"按次扣款履约保障新模式，共建标准化服务体系，推动音乐美育行业线上化转型，努力 打造安全、透明、可持续的教培新生态，助力安心消费。 晓雯音乐是音乐教育培训行业头部企业，作为成立30余年的老牌音乐教育培训机构，线下门店规模近 500家，覆盖全国20多个省，数百个城市。教育理念聚焦"普及音乐教育"，形成音乐"听、唱、弹、读、 合"综合培养体系，为消费者提供系统、科学、专业的音乐教育培训。晓雯音乐创始人叶军表示，此次 合作是晓雯音乐在线上化的重要探索，希望双方可以共建开放的音乐美育服务生态，同时通过线上化、 标准化的手段来夯实消费者信任，实现行业可持续良性发展。 美团教育基于解决消费者资金保障核心问题，共建教培行业消费信心，于2024年11月，在杭州首发落 地"美团安心学"产品。借助美团平台的多次卡产品能力，消费者可以通过美团、大众点评App购买教培 机构推出的多次卡课程，实现"上一次课、核销一次款项"的按次结算模式。其中，未使用及未核销的资 金，如 ...

Financial Support for Consumption - The People's Bank of China and six other departments issued guidelines to enhance financial support for consumption, introducing 19 key measures to boost consumption growth [1][3] - The focus is on diversifying consumer financing channels and optimizing payment services to better meet the financial service needs in the consumption sector [1] Automotive Consumption Initiatives - The second round of the "Hi Purchase Festival" in Wuhan's East Lake High-tech Zone attracted over 1,100 participants and generated over 300 million yuan in consumption [4] - Consumers purchasing vehicles priced over 250,000 yuan received a subsidy of 4,000 yuan, with total sales exceeding 800 million yuan across two festival rounds [4][5] - Financial institutions are innovating automotive financial products, such as zero down payment policies, to lower purchase barriers and enhance consumer experience [4][5] Tourism and Cultural Industry Financing - The tourism sector in Guangdong, particularly the Danxia Mountain scenic area, has seen increased visitor numbers and improved experiences due to financial support from Postal Savings Bank [8][9] - The bank provided a 90 million yuan loan to enhance the scenic area's infrastructure, significantly improving visitor experience and revenue [9] - In Jiangmen, innovative financing models have been implemented to support local cultural tourism projects, addressing funding challenges [10] Sports Industry Financial Products - The Postal Savings Bank in Weihai launched the "Weihai Sports Loan" to support local sports industry development, providing 300 million yuan in loans without requiring collateral [12][14] - This initiative aims to assist small and medium-sized enterprises in the sports sector, with a total of 1.6 billion yuan in financing needs addressed this year [15] Consumer Payment Innovations - The "Anxin Learning" product by Meituan allows consumers to pay for courses on a per-session basis, enhancing consumer confidence in pre-paid services [17][18] - The initiative has led to a significant increase in the number of participating merchants and a rise in short-term course orders, indicating a shift towards flexible payment options [19]

Core Viewpoint - Meituan launched the "Anxin Study" program in Wuhan to enhance consumer confidence in prepaid education services by offering flexible payment options and refund guarantees [6][8][10] Group 1: Program Overview - The "Anxin Study" initiative allows consumers to purchase short-term course packages with a pay-per-class model, ensuring funds are held in a regulated account until services are rendered [6][9] - Over 20,000 educational institutions across more than 200 cities have joined the "Anxin Study" program, offering over 40,000 courses [8] Group 2: Consumer Protection Measures - The program addresses issues of prepaid consumption disputes, which have been prevalent in the education sector, by implementing a transparent and controllable payment system [9] - Refund policies are in place for consumers if institutions fail to deliver services or if they are dissatisfied after partial use [6][9] Group 3: Institutional Support - Meituan provides various support measures for participating educational institutions, including resource assistance, commission discounts, and marketing support to help reduce customer acquisition costs [7][8] - The initiative aligns with local government efforts to enhance the safety of prepaid funds in the education sector, contributing to a broader regulatory framework [8][10] Group 4: Market Impact - The "Anxin Study" program is expected to serve as a model for prepaid consumption safety across various industries, including fitness and beauty, by establishing a replicable framework for consumer protection [8][10] - The program has already shown positive results for participating institutions, with significant increases in customer inquiries and conversion rates [9]