為更(geng)好滿足消費領域金(jin)融服務需(xu)求，6月24日(ri)，《關于金(jin)融支持(chi)提振(zhen)和擴大消費的指導(dao)意(yi)見(jian)(jian)》（以下簡稱《意(yi)見(jian)(jian)》）對外(wai)公布。《意(yi)見(jian)(jian)》從六個方面提出19項重點舉措(cuo)，引導(dao)金(jin)融機構從消費供給和需(xu)求兩端強化金(jin)融服務，滿足各(ge)類主體(ti)多樣化融資(zi)需(xu)求，推(tui)動(dong)擴大高(gao)質(zhi)量消費供給，助力(li)釋放消費增長潛能(neng)。

　　把握消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)重(zhong)點(dian)(dian)。提振(zhen)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)既是當前(qian)(qian)擴(kuo)內(nei)需、穩增長的(de)重(zhong)要(yao)抓手，也是中(zhong)長期轉變經濟發(fa)(fa)展(zhan)方(fang)式(shi)的(de)重(zhong)大舉措。當前(qian)(qian)我國商(shang)品(pin)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)需求旺盛，各地各部(bu)門要(yao)再接再厲，通(tong)過持(chi)續的(de)金(jin)融(rong)支持(chi)，推動商(shang)品(pin)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)、服務(wu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)和(he)新(xin)型消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)進一步釋放活力(li)。要(yao)圍繞重(zhong)點(dian)(dian)場景和(he)重(zhong)點(dian)(dian)人(ren)群，創新(xin)優(you)化消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)信(xin)貸產(chan)品(pin)，滿(man)足消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)者差異化、個性化消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)需求，做好消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)品(pin)以(yi)舊(jiu)換新(xin)金(jin)融(rong)服務(wu)，強(qiang)化金(jin)融(rong)支持(chi)外貿(mao)企(qi)業拓內(nei)銷力(li)度，完善內(nei)貿(mao)險服務(wu)，擴(kuo)大外貿(mao)優(you)品(pin)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)。要(yao)增加(jia)對批發(fa)(fa)零售(shou)、餐(can)飲住宿、家政服務(wu)、養老托育等領(ling)域經營主體(ti)的(de)融(rong)資支持(chi)，助力(li)挖(wa)掘基礎型服務(wu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)潛(qian)力(li)，圍繞文化旅游、體(ti)育、娛樂、教育培訓(xun)、居(ju)住服務(wu)等領(ling)域創新(xin)融(rong)資模(mo)式(shi)，促進激發(fa)(fa)改善型服務(wu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)活力(li)。要(yao)探索(suo)金(jin)融(rong)支持(chi)數字消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)、綠色(se)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)、健康(kang)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)等新(xin)型消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)的(de)有效渠道(dao)和(he)方(fang)式(shi)，加(jia)強(qiang)金(jin)融(rong)創新(xin)，開發(fa)(fa)適合新(xin)型消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)特點(dian)(dian)的(de)金(jin)融(rong)產(chan)品(pin)和(he)服務(wu)。各地各部(bu)門要(yao)讓金(jin)融(rong)活水澆(jiao)灌(guan)到消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)的(de)根部(bu)，讓消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)充(chong)滿(man)生機活力(li)。

　　用活消費(fei)(fei)(fei)(fei)政策(ce)。當前我(wo)國銀行(xing)(xing)、消費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)公司等(deng)(deng)多(duo)層次消費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)(wu)體(ti)系建(jian)設較為完善，其中(zhong)，信(xin)貸(dai)支(zhi)(zhi)持(chi)(chi)(chi)發(fa)揮了主渠(qu)道(dao)作用，債券(quan)(quan)(quan)(quan)融(rong)(rong)資(zi)(zi)、股權融(rong)(rong)資(zi)(zi)等(deng)(deng)多(duo)元化(hua)融(rong)(rong)資(zi)(zi)渠(qu)道(dao)同步發(fa)力，為消費(fei)(fei)(fei)(fei)市場穩定(ding)發(fa)展提(ti)(ti)供(gong)(gong)了金(jin)(jin)(jin)(jin)融(rong)(rong)支(zhi)(zhi)撐(cheng)。為擴(kuo)大(da)(da)消費(fei)(fei)(fei)(fei)領域金(jin)(jin)(jin)(jin)融(rong)(rong)供(gong)(gong)給，要持(chi)(chi)(chi)續(xu)優(you)化(hua)信(xin)貸(dai)產品，加大(da)(da)首(shou)貸(dai)、續(xu)貸(dai)、信(xin)用貸(dai)、中(zhong)長期貸(dai)款支(zhi)(zhi)持(chi)(chi)(chi)力度，增強消費(fei)(fei)(fei)(fei)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)(wu)的(de)便利度和可持(chi)(chi)(chi)續(xu)性，要支(zhi)(zhi)持(chi)(chi)(chi)符合(he)(he)條(tiao)件(jian)的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)機構(gou)發(fa)行(xing)(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)債券(quan)(quan)(quan)(quan)、信(xin)貸(dai)資(zi)(zi)產支(zhi)(zhi)持(chi)(chi)(chi)證券(quan)(quan)(quan)(quan)，提(ti)(ti)升(sheng)消費(fei)(fei)(fei)(fei)信(xin)貸(dai)供(gong)(gong)給能力，要支(zhi)(zhi)持(chi)(chi)(chi)符合(he)(he)條(tiao)件(jian)的(de)文化(hua)、旅(lv)游(you)、教育等(deng)(deng)服(fu)務(wu)(wu)(wu)消費(fei)(fei)(fei)(fei)領域企業發(fa)行(xing)(xing)債券(quan)(quan)(quan)(quan)，鼓勵符合(he)(he)條(tiao)件(jian)的(de)科創企業通過債券(quan)(quan)(quan)(quan)市場募(mu)集資(zi)(zi)金(jin)(jin)(jin)(jin)，要支(zhi)(zhi)持(chi)(chi)(chi)加大(da)(da)對(dui)種子期、初創期企業股權投(tou)資(zi)(zi)，支(zhi)(zhi)持(chi)(chi)(chi)消費(fei)(fei)(fei)(fei)產業鏈上(shang)優(you)質企業通過發(fa)行(xing)(xing)上(shang)市、“新三板”掛牌等(deng)(deng)方式融(rong)(rong)資(zi)(zi)。要深入實施創業擔保(bao)貸(dai)款政策(ce)，創新家(jia)庭財富(fu)管理(li)金(jin)(jin)(jin)(jin)融(rong)(rong)產品，支(zhi)(zhi)持(chi)(chi)(chi)居(ju)民就業增收(shou)，優(you)化(hua)養(yang)老、健(jian)康等(deng)(deng)保(bao)險保(bao)障體(ti)系，積極培育消費(fei)(fei)(fei)(fei)需求(qiu)。

　　創新消(xiao)(xiao)費(fei)(fei)場(chang)(chang)(chang)景(jing)。當(dang)前我國消(xiao)(xiao)費(fei)(fei)基礎(chu)設(she)施(shi)格局不夠(gou)完(wan)善(shan)，縣(xian)域(yu)物流(liu)配送體(ti)系相對滯后，供應(ying)(ying)鏈響應(ying)(ying)效率(lv)有(you)待提(ti)升(sheng)(sheng)，一定程度上制約了消(xiao)(xiao)費(fei)(fei)市場(chang)(chang)(chang)擴(kuo)容提(ti)質(zhi)。各地要圍繞適老改造、體(ti)育(yu)設(she)施(shi)、充電裝備等(deng)消(xiao)(xiao)費(fei)(fei)基礎(chu)設(she)施(shi)建設(she)領域(yu)，以及交通(tong)、物流(liu)、供應(ying)(ying)鏈等(deng)商(shang)貿流(liu)通(tong)項(xiang)目，探索(suo)創新適應(ying)(ying)資(zi)金需求特點(dian)的金融(rong)產品和(he)融(rong)資(zi)模式(shi)，合理設(she)置貸(dai)款期限，加(jia)大(da)貸(dai)款投放力度，促進提(ti)升(sheng)(sheng)消(xiao)(xiao)費(fei)(fei)供給效能(neng)。要優化(hua)消(xiao)(xiao)費(fei)(fei)環境，支持(chi)(chi)金融(rong)機構聚焦“食、住、行、游、購(gou)、娛、醫”等(deng)重點(dian)消(xiao)(xiao)費(fei)(fei)場(chang)(chang)(chang)景(jing)，持(chi)(chi)續推(tui)進支付(fu)便(bian)(bian)利化(hua)建設(she)，有(you)效提(ti)升(sheng)(sheng)現金、銀行卡、移動支付(fu)、數(shu)字人(ren)民幣等(deng)各類(lei)支付(fu)方(fang)式(shi)的兼容性(xing)，為消(xiao)(xiao)費(fei)(fei)者提(ti)供更高(gao)效、便(bian)(bian)捷的支付(fu)體(ti)驗，要持(chi)(chi)續提(ti)升(sheng)(sheng)適老化(hua)支付(fu)服(fu)(fu)務水平，優化(hua)重點(dian)領域(yu)外(wai)卡受理環境，深化(hua)信用卡消(xiao)(xiao)費(fei)(fei)與(yu)各類(lei)場(chang)(chang)(chang)景(jing)的合作，有(you)效滿足老年人(ren)、外(wai)籍(ji)來(lai)華人(ren)員等(deng)群(qun)體(ti)支付(fu)服(fu)(fu)務需求，要鼓勵試點(dian)地區在消(xiao)(xiao)費(fei)(fei)領域(yu)積極穩妥推(tui)行數(shu)字人(ren)民幣。（張若麟）