Affected by the new crown pneumonia epidemic and the new development pattern of "double cycle", many provinces and cities in my country issued consumer vouchers to the masses this year. Coupon consumption allows citizens to enjoy tangible benefits, increases purchasing power and consumer desire, and is of great benefit to boosting the domestic consumer market.
However, the reporter found that the procedures for receiving and using consumer vouchers in some areas are cumbersome. In some places, fraudulent transactions and illegal cashing out after receiving consumer vouchers have made it difficult for consumer vouchers to perform their due role. Experts believe that consumer vouchers urgently need to strengthen the issuance and use management, and take multiple measures to accelerate the release of consumption potential.
Online + offline, have you received the coupon?
The reporter's investigation found that at present, my country's local governments mainly issue consumer coupons online or online and offline. Through Alipay, WeChat, Meituan and other channels, consumers can obtain coupons by grabbing coupons, lotteries and lotteries.
Starting from June 6th, Lhasa will distribute 30 million yuan in consumer vouchers for free in the whole city in three stages. Tianjin began to issue the "Thai Life · Consumption" Thai cost-effective consumer vouchers in mid-to-late August. The cumulative amount of consumer vouchers issued will exceed 10 million yuan, which is expected to drive consumption over 100 million yuan. Since April, Wuhan City has issued a total of 500 million yuan worth of consumer coupons through multiple platforms. When the three-month consumer vouchers were issued, statistics from the Wuhan Municipal Bureau of Commerce showed that the cumulative number of consumer vouchers issued exceeded 43 million, stimulating consumption of more than 5 billion yuan.
The reporter's interview found that consumer coupons are a "leverage" that can form a large multiplier effect and can leverage several times the consumption. Data from Alipay shows that more than 100 cities in Zhejiang, Guangxi, Guangdong, Beijing and other provinces have chosen to issue consumer vouchers through the Alipay platform. On average, every 1 yuan of Alipay consumer vouchers directly drives 8 yuan of consumption.
The Guanghua School of Management of Peking University and Ant Financial Research Institute conducted research on Hangzhou consumer vouchers and found that compared with the daily consumption without consumer vouchers, every 1 yuan of consumer vouchers can drive 3.5 yuan in new consumption.
The reporter found that more than 90% of the merchants benefiting from consumer coupons are small, medium and micro enterprises. In addition, the issuance of consumer vouchers is also driving economic recovery in underdeveloped regions. A previous research report released by the joint research group of Peking University Guanghua School of Management and Ant Financial Research Institute showed that in Guangxi, which is located in the western region, the government grants consumer voucher subsidies for every 1 yuan, which can drive new growth of 5.3 to 7.7 yuan. The effect of increasing consumption is even better than the "3.5 times effect" of Hangzhou in the east.
There are "fictional consumption" in certain fields
Consumer vouchers have played a major role in boosting consumption and promoting economic development. However, the reporter recently discovered that in some places, the actual effect of consumer vouchers has been affected due to the lack of precision in issuing, the existence of problems such as "fake wool" and "fictional consumption". .
Some consumers reported that the issuance of some consumer vouchers was inaccurate and there was a problem of "not receiving what is needed, and not spending what is received". The face value of consumer vouchers issued in some places is too small and too restrictive. It is very likely that consumer vouchers will become exclusive benefits for some people and will not improve the living conditions of the low- and middle-income groups who need the support of consumer vouchers most.
The reporter's investigation found that a small number of people used consumer coupons to cash out. After the launch of "consumer coupons", a few people began to "cash out" ideas. For example, for a consumer coupon of "90 minus 30", the consumer pays 90 yuan to the store without buying any goods. If the consumer coupon is used for a 30 yuan discount, the actual payment is only 60 yuan. By paying 90 yuan, consumers can successfully cash out 30 yuan, or share them according to the negotiated price.
There are also consumer coupon "intermediaries" who post on the Internet to "purchase" consumer coupons, and then use fictitious consumption to share the benefits with consumers. Some gyms collect consumption coupons in the name of a membership card, but the actual purpose is to set the cancellation fee subsidy amount. In addition, some criminals used "black numbers" to grab consumer coupons in batches and then sell them at low prices.
In addition, the "digital divide" affects the role of consumer vouchers. The research team of Guanghua School of Management, Peking University pointed out that some people with low income and low participation in the digital economy have a low willingness and success rate to participate in receiving digital consumer vouchers. Therefore, information asymmetry and lack of mobile payment experience and knowledge may make consumer vouchers worse. The effect is compromised. Reporters visited some areas in central China and found that some elderly people reported that they would not be able to grab consumer coupons, and they complained a lot.
Tudeng Kezhu, director of the Scientific Research Office of Tibet University, said that for high-income earners with technology, consumer vouchers are not so effective in stimulating consumption, but for low- and middle-income earners who need the support of consumer vouchers, information technology knowledge The lack will affect the receipt and use of consumer coupons.
According to Xu Jian, vice president of the network information security company Qi'anxin Group, although the amount of consumer vouchers in some areas seems to be small, if the amount is large, there is still the possibility of consumer vouchers being collected. The root cause is that there are a large number of black accounts circulating in the market. This is similar to the traditional "wool party" industrial chain mechanism. If there is a large number of black accounts grabbing tickets, this is the issue of platform governance.
Take multiple measures to boost consumption and expand domestic demand
Faced with a series of problems in the issuance and use of consumer vouchers, experts suggest that more targeted support should be given to low-income groups to ensure that the issuance of consumer vouchers is transparent, fair, and efficient, and at the same time, more efforts should be made to boost consumption. Expand domestic demand, respond to the impact of the epidemic and promote economic development.
First of all, it is necessary to prevent "fake consumers" from obtaining consumer coupons during the collection process. Experts suggest that real-name authentication should be carried out, and the non-real-name card number segment of mobile phones should be blocked, so that real consumers can receive coupons and form real consumption of goods and services. At the same time, it is necessary to find ways to break the cooperative relationship between merchants and "fake consumers" cashing out in the use link, and allow supervision and restriction between the two.
Efforts to maximize the effectiveness of consumer coupons. The reporter learned during the interview that Wuhan City has made clear demands. For example, when Chinese people use "Wuhan consumer vouchers", they can only use the corresponding type of physical merchant stores and business premises that are already open for consumption and online payment. They cannot be used for recharge, pre-deposit and other consumption, and no change will be made during verification. , Do not change, prohibit buying and selling.
Issuing consumer vouchers has become a "technical activity." Zhang Xiang, an associate professor at the School of Public Administration of Fujian Normal University, said that considering the safety of funds and the effect of issuing coupons, the government should carefully choose the issuing platform during the issuance of consumer coupons, from the ability to withstand the flood of network traffic, risk control capabilities, and platform coverage. Considering from multiple perspectives such as the economic efficiency and the richness of the business ecology to ensure that the loss of assets is minimized and the effect is maximized.
In addition to the issuance of consumer vouchers, the research team of China Securities Securities Co., Ltd. believes that in the early years of the issuance of consumer vouchers in Japan and Hangzhou, consumer vouchers can often play a significant role in stimulating consumption in the short term, but the cumulative effect will be Gradually weaken over time. Therefore, all parts of our country should also introduce more measures to speed up the recovery of market consumption and boost market consumer confidence.
"For example, it is necessary to promote the upgrading of consumption and the opening up of the service industry, and give impetus to the reform of the consumption upgrading industry with development potential. Take the medical, education, and pension industries as examples. Once the gate of market reform is opened, investment and consumption will be waved. It will come turbulently, which is of great significance for meeting the needs of the people for a better life and promoting economic and social development." said Bo Wenguang, a professor at the School of Economics of Nankai University.
Yang Ying, member and deputy director of the Hubei Provincial Development and Reform Commission, believes that in order to speed up the recovery of market consumption and boost market consumption confidence, government departments at all levels should take action. For example, holding expositions and cultural tourism festivals, rationally increasing public consumption, increasing procurement of agricultural and sideline products in poor areas, etc., to better play the role of the government, accelerate the restoration of the production-distribution-consumption cycle of social production, and develop from both supply and demand. Actively cultivate the consumer market. Reporters Zhai Yongguan, Liang Jianqiang, Zhang Xuan, Bai Jiali