China财政金融促内需“组合拳”政策效能加速释放
CCTV.com News (Xinwen Lianbo): Since the implementation of the package of policies coordinated across fiscal and financial measures to boost domestic demand, fiscal funds have guided financial resources to produce a multiplier effect, with a focus on stimulating private investment and promoting household consumption. The effects of the policies are accelerating.
央视网消息（新闻联播）：我国财政金融协同促内需一揽子政策实施以来，财政资金牵引金融资源发挥乘数效应，着力激发民间投资，促进居民消费，政策效能加速释放。
A company in Changsha has recently signed many new orders. Its production lines are already operating at full capacity, and it has greatly increased its stocks of raw materials, putting considerable pressure on its cash flow. The company recently applied for a loan from a bank. The process was more convenient, and it also received a one-percentage-point loan interest subsidy from the state.
长沙这家企业最近新签了不少新订单，生产线已经满负荷运转，原材料备货量也跟着大增，现金流压力不小。企业最近跟银行申请贷款，不仅更便捷，还享受到了国家给的一个点的贷款贴息。
Since August this year, newly issued working-capital loans to eligible small, medium-sized and micro private enterprises have been covered by the interest-subsidy policy. In August and September alone, more than 500,000 small, medium-sized and micro enterprises nationwide benefited from the policy, corresponding to over 1.8 trillion yuan in newly added working-capital loans. The average monthly volume of newly issued loans in areas such as catering and accommodation, health and elder care, culture and tourism, sports, and retail services grew by about 30% month on month.
今年8月起，符合条件的中小微民营企业的新发放流动资金贷款纳入贴息政策支持范围。仅8月、9月两个月，全国已有50多万家中小微企业享受政策红利，对应新增流动资金贷款超1.8万亿元。餐饮住宿、健康养老、文旅体育、零售服务等领域月均新发放贷款环比增长约30%。
The policies support businesses on the investment side while also stimulating household consumption. Since August this year, credit-card installment plans for purchases such as cars and home renovations have been included in the scope of personal-consumption interest subsidies, with the subsidy cap raised from 3,000 yuan to 5,000 yuan.
政策既发力支持企业投资端，也激活居民消费端。今年8月起，汽车、家装等信用卡分期业务纳入个人消费贴息范畴，贴息上限由3000元上调至5000元。
The latest data show that in the first three quarters of this year, the package of coordinated fiscal and financial policies to boost domestic demand benefited private investment and household consumption by more than 2 trillion yuan each, and cumulatively benefited 8.36 million businesses and 147 million person-times among residents.
最新数据显示，今年前三季度，财政金融协同促内需一揽子政策，惠及民间投资和居民消费均超过2万亿元，累计惠及企业836万家、居民1.47亿人次。
Next, the coordinated fiscal and financial policies will simplify procedures and develop innovative products and services. At the same time, they will focus on key areas including household consumption, private investment, and optimizing the structure of supply and demand, expand the policy toolkit, and promote regular, lasting coordination between fiscal and financial measures.
下一步，财政金融协同政策将简化操作流程、创新产品服务；同时，紧扣居民消费、民间投资、供需结构优化等关键环节，丰富政策工具箱，推动财政金融联动常态长效。