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促居民消费意见:鼓励消费金融创新规范发展消费信贷

2018年09月28日 00:49来源:网络整理手机版

原标题:促居民消费意见:鼓励消费金融创新 规范发展消费信贷

  中共中央、国务院印发的《关于完善促进消费体制机制,进一步激发居民消费潜力的若干意见》提出,以消费升级引领供给创新、以供给提升创造消费新增长点的循环动力持续增强,实现更高水平的供需平衡,居民消费率稳步提升。消费结构明显优化。居民消费结构持续优化升级,服务消费占比稳步提高,全国居民恩格尔系数逐步下降。

  意见提出,促进实物消费不断提挡升级,推进服务消费持续提质扩容,引导消费新模式加快孕育成长,推动农村居民消费梯次升级。

  意见提出,完善有利于提高居民消费能力的收入分配制度,增加低收入群体收入,扩大中等收入群体。构建公平开放的市场环境。加大生活性服务领域有效有序开放力度,逐步放宽放开对外资的限制。建设若干国际消费中心城市,推进海南国际旅游消费中心建设。

  意见提出,健全消费政策体系,进一步研究制定鼓励和引导居民消费的政策。推动消费税立法。推进个人所得税改革,合理提高个人所得税基本减除费用标准,适当增加专项附加扣除,逐步建立综合和分类相结合的个人所得税制度。

  此外,进一步提升金融对促进消费的支持作用,鼓励消费金融创新,玩意儿,规范发展消费信贷,把握好保持居民合理杠杆水平与消费信贷合理增长的关系。

  商务部流通产业促进中心服务业研究室副主任、研究员陈丽芬对《经济参考报》记者表示,文件强调了从供需两端发力推动消费升级,落实供给侧结构性改革,更大程度地促进供需匹配。“提升消费客体供给即产品和服务供给,要求消费客体更注重品质提升和模式创新,看球直播,满足消费者多层次多样化的需求。提升消费环境供给即制度供给,要求进一步完善相关的监管体制、信用体系和消费者权益保护机制。通过消费客体和消费环境的优化完善,让消费者敢消费、能消费、愿消费,保护已有的消费、创造新的消费,才能最大程度地挖掘消费者的潜力,发挥消费对经济发展的基础性作用。”陈丽芬说。

  厦门大学经济学院副教授孙传旺说,促进居民消费不仅需要在消费量上继续提升,更应体现在提升消费质量上。

  中国社科院副院长蔡昉指出,加快推进收入分配制度改革,让人们口袋里的钱多起来,可以保证消费增长的趋势。

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