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金融支持北京市提振和扩大消费实施方案核心要点

2025-11-19 16:33:37 来源：北方有色网责任编辑：王欣悦

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2025年11月18日，中国人民银行北京市分行联合12部门印发《金融支持北京市提振和扩大消费的实施方案》(以下简称《实施方案》)，旨在通过多元化金融举措强化消费领域支持，助力北京国际消费中心城市建设。其中明确提出以"长期资本""耐心资本"满足长周期消费产业融资需求，为消费升级注入金融动力。

一、总体目标：锚定2030年发展蓝图

《实施方案》确立了到2030年的核心发展目标，聚焦消费领域金融服务提质增效：一是住宿餐饮、文旅体育、教育、居民服务等服务消费及养老产业贷款余额持续增长，信贷投放力度稳步加大;二是个人消费金融服务质效显著提升;三是金融助力北京国际消费中心城市建设取得积极进展，多元化消费金融服务体系基本建成。

二、重点领域金融支持：精准激活消费潜力

(一)加大商品消费信贷支持力度

在汽车消费领域，《实施方案》提出多维度支持举措：金融机构需合理确定汽车贷款发放比例、期限及利率，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;针对首次购买、以旧换新、二手车交易等不同场景优化创新金融产品，重点加大对新能源汽车消费的金融支持。

在民生消费领域，鼓励金融机构主动对接家电以旧换新、绿色智能家居家装、电子产品更新等需求，通过参与商家促消费活动、提供消费贷款优惠、降低信用卡分期费率等方式，直接为消费者减费让利。

(二)强化服务消费领域金融供给

文旅体育消费方面，依托北京"全国文化中心""双奥之城"定位，围绕文艺演出、非遗传承、乡村文旅、冰雪经济等场景创新融资模式，探索"门票收益权质押"等特色融资方式，助力培育精品赛事体系和运营企业。

住宿餐饮与居民服务领域，聚焦北京国际美食荟等主题活动，支持打造京味儿老字号及特色品牌;针对家政服务从业人员推出住宿、购车等特色金融服务，降低入行成本;为养老托育机构的建设运营、装修改造提供金融支持，扩大抵质押范围满足资金需求。

(三)支持消费基础设施建设

鼓励金融机构对接国际消费中心城市建设重点项目，围绕商圈升级改造、商业业态更新、流通体系建设等领域优化金融服务，根据项目特点合理设置贷款期限、提供优惠利率;支持符合条件的消费基础设施发行基础设施领域不动产投资信托基金(REITs)，拓宽融资渠道。

三、聚焦重点群体：释放多元消费需求

《实施方案》针对三类重点群体明确金融支持方向：一是支持居民就业增收，落实中小微企业首次贷款贴息、创业担保贷款贴息政策，强化对民营小微企业、个体工商户等就业吸纳主体的金融服务;二是优化银发群体服务，开展老年助餐支付便利试点，鼓励发行银发群体专属卡产品，提升消费便捷性;三是提升境外来华人员消费体验，扩大"外卡内绑"应用场景，优化重点商圈支付服务，推进无障碍支付街区(景区)建设。

四、完善金融供给体系：构建"信贷+债券+股权"多元支撑

(一)强化信贷支持主渠道作用

辖内银行、消费金融公司、汽车金融公司等机构需立足自身定位，提供差异化、特色化金融服务。鼓励银行加大服务消费领域内部资金转移定价支持，创新首贷、续贷、信用贷、中长期贷款等产品，满足消费行业经营主体多样化需求。同时要求金融机构提升风险管理能力，在覆盖经营成本和商业可持续前提下自主理性定价，合理扩大客户支持范围，推动消费贷款提质增量。

(二)拓宽直接融资渠道

股权融资方面，支持消费产业链上生产、渠道、终端等环节的优质企业通过发行上市、"新三板"挂牌等方式融资;引导社会资本加大对服务消费重点领域投资，以"长期资本""耐心资本"匹配长周期消费产业需求;发挥私募股权投资基金和创业投资基金作用，重点加大对种子期、初创期企业的股权投资支持。

债券融资领域，支持文化、旅游、教育等服务消费企业发行债券，鼓励科创企业通过债券市场募集资金，推动智慧养老、智能医疗等消费产品提质升级。

五、保障机制：推动政策落地见效

为确保各项举措落地，《实施方案》明确提出加强政策协同发力、完善基础金融服务、强化组织保障等要求，构建多方联动的落实机制，推动金融资源精准对接消费领域需求，形成提振和扩大消费的金融合力。

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[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 13 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.002492s ]
[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 14 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.002505s ]
[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 19 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.002512s ]
[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 15 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.023662s ]
[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 16 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.002608s ]
[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 17 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.002449s ]
[ SQL ] SELECT * FROM `tb_cate` WHERE `pid` = 3 AND ( `id` < 3871 AND `id` NOT IN (25,3243,3244) ) ORDER BY `sortid` ASC [ RunTime:0.008272s ]
[ SQL ] SELECT * FROM `tb_advert` WHERE `id` = 48 LIMIT 1 [ RunTime:0.012093s ]
[ SQL ] SELECT * FROM `tb_advert` WHERE `id` = 49 LIMIT 1 [ RunTime:0.000874s ]
[ SQL ] SELECT * FROM `tb_advert` WHERE `id` = 50 LIMIT 1 [ RunTime:0.001085s ]
[ SQL ] SELECT * FROM `tb_para` WHERE `id` = 1 LIMIT 1 [ RunTime:0.000543s ]

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