Economic Daily Jin Guanping: Provide more financial support for serving consumption.

Our country has a relatively good financial support for service consumption, with a multi-level consumer finance service system consisting of banks, consumer finance companies, automobile finance companies, etc. The system is well-developed and provides important support for the stable development of the consumer market. Financial institutions have continuously innovated and introduced diverse consumer credit products and service models around consumer scenarios such as trade-in programs and winter sports, effectively stimulating market vitality. However, the development of the consumer credit market in our country still faces some challenges: the consumer credit needs of some groups have not been fully met; the standardization and homogenization of credit products are prominent and difficult to match with customers' personalized and customized requirements; consumer credit service costs are high, and risk control is difficult, etc. These problems constrain the further development of the consumer credit market. Meanwhile, structural contradictions in the consumer sector remain prominent, with gaps in personalized and high-quality supply in service consumption areas such as sports and tourism, elderly care, and healthcare. The construction of county-level service consumer infrastructure and logistics distribution systems is also inadequate. To address these issues, it is necessary to build a financial product and service system that matches consumer demands, expand high-quality financial supply in the consumer sector, and ultimately form a development pattern of mutual empowerment, deep integration, and a virtuous cycle between consumption and finance, continuously unleashing the growth momentum of the consumer market.