The "Measures" pointed out that it is necessary to steadily implement the real estate credit policy and support residents' housing consumption. All banking institutions should reasonably arrange the amount of personal housing loans, optimize the business process of personal housing loans, and fully support the first set of residents and the demand for improved housing. In cities with conditions in the province, we will actively implement the first set of dynamic adjustment policies for the interest rate of individual housing loans for newly issued housing, encourage banking institutions to reasonably reduce the interest rate of individual housing loans, and reduce the financing cost for residents to purchase houses. Encourage financial institutions to design exclusive medium-and long-term consumer credit products around mass consumption areas such as smart homes, green appliances, building materials and home improvement, and focus on increasing credit support for mass consumption such as home improvement appliances.

In terms of expanding financial support in the field of automobile consumption, the Measures point out that financial institutions are encouraged to increase consumer credit support for automobiles, especially new energy vehicles, by appropriately reducing the down payment ratio and loan interest rate, extending the repayment period, and improving the efficiency of examination and approval. Encourage banking institutions to rely on the People's Bank of China's special refinancing policy for transportation and logistics, and actively issue low-interest loan funds to the "two enterprises and two industries" for the purchase, consumption and upgrading of trucks.

At the same time, in order to further activate the consumer finance demand of catering, entertainment, cultural tourism and other service industries, the Measures require that, in combination with the "rescue loan" and various "fast service loan" products in the province, the provincial policy risk sharing fund pool and financial discount should be actively used to increase financial assistance to catering, entertainment, cultural tourism, retail and other industries affected by the epidemic, especially small and micro enterprises and individual industrial and commercial households. Support banking institutions to increase their support for bill financing in the above industries, simplify and optimize discount procedures, and reduce discount interest rates. Encourage the exploration and development of pledge loan business such as the right to operate tourist attractions, intellectual property rights and the right to use land for the construction and operation of cultural tourism enterprises. We will continue to develop short-term consumer finance businesses such as personal credit cards to meet the demand for restorative consumer credit in contact service industries such as catering, entertainment, cultural tourism, sports, entertainment and child care in the post-epidemic era.