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Notice by the General Offices of the Ministry of Commerce, the People's Bank of China, and the National Financial Regulatory Administration of Strengthening Coordination between Commerce and Finance to Further Strengthen Efforts to Boost Consumption
[Effective]
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商务部办公厅、中国人民银行办公厅、金融监管总局办公厅关于加强商务和金融协同 更大力度提振消费的通知
[现行有效]
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【法宝引证码】
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| Notice by the General Offices of the Ministry of Commerce, the People's Bank of China, and the National Financial Regulatory Administration of Strengthening Coordination between Commerce and Finance to Further Strengthen Efforts to Boost Consumption | | 商务部办公厅、中国人民银行办公厅、金融监管总局办公厅关于加强商务和金融协同 更大力度提振消费的通知 |
| (No. 447 [2025] of the General Office of the Ministry of Commerce) | | （商办财函〔2025〕447号） |
| The commerce departments of all provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and the Xinjiang Production and Construction Corps; the Shanghai Head Office of the People's Bank of China; the branches of the People's Bank of China in provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; the local offices of the National Financial Regulatory Administration; policy banks, large banks, and joint-stock commercial banks; and insurance group (holding) companies and insurance companies: | | 各省、自治区、直辖市及计划单列市、新疆生产建设兵团商务主管部门，中国人民银行上海总部，各省、自治区、直辖市及计划单列市分行，金融监管总局各监管局，各政策性银行、大型银行、股份制银行，各保险集团（控股）公司、保险公司： |
| For the purposes of fully implementing the decisions and arrangements of the CPC Central Committee and the State Council, strengthening coordination between commerce and finance, guiding financial institutions in increasing support for key areas of consumption, and helping boost and expand consumption, you are hereby notified of the relevant matters as follows: | | 为深入贯彻党中央、国务院决策部署，强化商务和金融系统协作，引导金融机构聚焦消费重点领域加大支持力度，助力提振和扩大消费，现将有关事项通知如下： |
| I. Deepening Coordination Between Commerce and Finance | | 一、深化商务和金融系统协作 |
| 1. Improving coordination mechanisms. Local commerce departments and financial regulatory departments shall strengthen communication, coordination, and the division of responsibilities, establish and improve coordination mechanisms in light of local conditions, and promote the resolution of difficulties and issues encountered in the implementation of financial support for expanding consumption. Local authorities, where conditions permit, shall be encouraged to improve communication and cooperation mechanisms with financial institutions, introduce dedicated work plans and other supporting measures, and guide financial institutions in diversifying financial products and services and expanding financial support for the consumption sector in accordance with market-oriented and law-based principles. | | （一）完善协作机制。地方商务主管部门与金融管理部门加强沟通交流和分工协作，结合实际情况建立健全协调工作机制，推动解决金融支持扩消费工作落实中遇到的困难和问题。鼓励有条件的地方与金融机构健全沟通合作机制、推出专门工作方案等，引导金融机构依据市场化、法治化原则，丰富金融产品和服务，加大对消费领域的金融供给。 |
| 2. Refining and implementing measures. Local commerce departments shall, in conjunction with efforts to expand consumption, strengthen policy alignment, operational coordination, and information sharing with financial regulatory departments, further mobilize financial resources, and ensure the effective implementation and delivery of relevant policy measures. Financial institutions shall, in accordance with the requirements of existing policies, including the Guiding Opinions on Providing Financial Support to Boost and Expand Consumption and the Notice of Developing Consumer Finance to Support Consumption Growth, coordinate internal resources, provide proactive and forward-looking services, formulate detailed implementation rules, carry out special initiatives, and support the revitalization and expansion of consumption. | | （二）细化落实举措。地方商务主管部门结合扩消费工作，加强与金融管理部门政策衔接、工作对接和信息共享，推动进一步调动金融资源，抓好相关政策措施落地生效。金融机构按照《关于金融支持提振和扩大消费的指导意见》《关于发展消费金融助力提振消费的通知》等已出台政策要求，统筹内部资源，主动靠前服务，制定具体实施细则，开展专项行动等，支持提振和扩大消费。 |
| 3. Strengthening policy synergies. Local commerce departments shall be encouraged to make full use of existing funding channels to actively carry out consumption promotion activities, form synergy with financial support measures, and better stimulate consumption potential. Local authorities, where conditions permit, shall be encouraged to utilize smart-contract-based digital RMB red packets to enhance the effectiveness and efficiency of the implementation of consumption promotion policies. In light of local conditions, local authorities shall be encouraged to explore the use of diversified approaches, including financing guarantees, loan interest subsidies, and risk compensation, strengthen coordination among fiscal, commerce, and financial policies, and channel credit funds into key areas of consumption. Local authorities, where conditions permit, shall be encouraged to support, through various means, relevant entities in participating in key consumption projects, including those in elderly care and wellness and cultural tourism, as well as in emerging consumption sectors such as digital and green consumption. Banks and non-bank financial institutions shall be encouraged to leverage their respective strengths, enhance complementarity, jointly participate in consumption promotion activities, and promote the upgrading of consumption quality. | | （三）强化政策合力。鼓励地方商务主管部门充分利用现有资金渠道，积极开展促消费活动，与金融支持形成合力，更好激发消费潜力。鼓励有条件的地方运用数字人民币智能合约红包提升促消费政策实施质效。结合地方实际探索运用融资担保、贷款贴息、风险补偿等多种方式，加强财政、商务、金融政策协同配合，引导信贷资金加大向消费重点领域投放。鼓励有条件的地方通过多种方式支持参与康养、文旅等消费重点项目和数字、绿色等新型消费领域。鼓励银行和非银行金融机构发挥各自特点，加强优势互补，协同参与促消费活动，促进消费提质升级。 |
| II. Increasing Financial Support for Key Areas of Consumption | | 二、加大消费重点领域金融支持 |
| 4. Upgrading consumption of goods. Consumer financial services for bulk durable consumer goods, digital products, and other commodities shall be strengthened to tap the potential for upgrading goods consumption. Financial institutions shall be encouraged to cooperate with platforms and key merchants, engage directly with shopping malls and retail outlets, and improve product and service models, including installment payments, credit cards, mobile banking, and digital RMB services, to better meet consumers' needs for product replacement and upgrading. Based on borrowers' repayment capacity and creditworthiness, loan amounts, maturities, and interest rates shall be reasonably determined. Differentiated policies on personal consumption loan limits, maturities, and interest rates shall be effectively implemented to accelerate the development of the personal consumption loan business. Prepayment penalties arising from early loan settlement in automobile trade-in programs may be appropriately reduced or waived. Financial institutions shall strengthen coordination with key enterprises and platforms engaged in integrated domestic and foreign trade, provide matchmaking services for domestic and overseas transactions, improve cross-border supply chain financing models, support more enterprises in integrated domestic and foreign trade operations, expand the coverage of domestic trade insurance, and facilitate the entry of more high-quality export products into the domestic market. | | （四）升级商品消费。加强大宗耐用消费品、数码产品等消费金融服务，挖掘商品消费升级潜能。推动金融机构与平台、重点商户合作，走进商超卖场，完善分期付款、信用卡、手机银行、数字人民币等产品服务模式，更好满足消费者换新需求。根据客户还款能力和信用情况，合理确定贷款发放比例、期限和利率，落实好个人消费贷款额度、期限、利率差异化政策，加快推动个人消费贷款业务发展。适当减免汽车以旧换新过程中提前结清贷款产生的违约金。加强金融机构与内外贸一体化重点企业和平台对接，提供境内外交易撮合服务，完善跨境供应链融资模式，支持更多企业内外贸一体化经营，扩大内贸险承保规模，支持更多优质外贸产品进入国内市场。 |
| ．．．．．． | | ．．．．．． |
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