Optimizing supply, mining demand, and stabilizing expectations——


　　Finance, taxation and finance are all working together, and the consumer market is heating up (new economic orientation)

　　During the Spring Festival holiday, the consumption enthusiasm of urban and rural residents is high.

On the Minkangli Pedestrian Street in Jinan City, Shandong Province, the booming business makes Yin Yanwen, the store operator, very happy.

Speaking of tax cuts and fee reductions, Yin Yanwen said: "The original tax was about 20,000 yuan. Last year, after the value-added tax threshold for small-scale taxpayers was raised, they don't have to pay a penny. We are going to give discounts and promotions to repay customers and strive for Can sell more."

　　In recent years, what are the highlights of fiscal, taxation and financial policies in expanding domestic demand and promoting consumption?

How to better stimulate consumption vitality?

The reporter conducted an interview.

　　Financial input helps smooth flow of goods

　　"Many people came to buy New Year's goods, and the business was very good." The manager of Moser Supermarket in Zhenlong Town, Bazhong City, Sichuan Province was very happy when he saw the crowd of customers. "A few years ago, when purchasing goods from online wholesale, only It can be delivered to the county. In order to save costs, we will wait for the goods to get together in a truck before pulling the goods, and sometimes there will be a situation in which the supply exceeds the demand; now, when placing an order online, there is a 'back second brother' logistics vehicle for delivery, and the order is placed on the same day After receiving the goods, the freight cost has also dropped by about 20%. The complete variety, fast supply and low price have brought us more customers."

　　Since 2016, Bashanbei Erge Logistics Co., Ltd. has received a total of 3.3 million yuan subsidy from the financial department of Sichuan Province. It effectively reduces logistics costs and improves the efficiency of urban and rural commerce and trade distribution.

　　Since 2014, my country has continuously carried out the comprehensive demonstration work of e-commerce in rural areas, and the central financial funds have played a guiding role to expand the coverage of e-commerce in rural areas, and promote the formation of online and offline integration, equal emphasis on goods and services, agricultural products in cities and industrial products in the countryside. The smooth rural modern market system has cultivated a number of demonstration counties with their own characteristics and experience that can be replicated and popularized, reducing rural logistics costs and expanding rural consumption.

In 2021, 206 new demonstration counties will be added, and more than 1,600 demonstration counties will be supported in total.

Online retail sales in rural areas will increase from 180 billion yuan in 2014 to 2.05 trillion yuan in 2021.

　　In recent years, local financial departments have actively innovated financial support methods to promote circulation, ensure supply, and help expand consumption.

　　In Shandong, the provincial finance will allocate 8 million yuan in 2021 to promote the renovation and upgrading of 31 provincial-level pilot pedestrian streets, and cultivate characteristic business circles and characteristic blocks; 9 million yuan will be implemented to identify the "leading county in the construction of township business centers" to create rural life Consumer service complex.

The financial department of Shandong Province has also included railways, expressways and other transportation development funds into the scope of the pilot equity investment reform of financial funds, so as to provide hardware guarantees for the convenience of people's travel and stimulating consumption.

　　In Fujian, the provincial finance department has arranged an additional 41 million yuan on the basis of annual consumption promotion activities to promote more than 300 online and offline New Year's Eve promotional activities, support and guide local auto exhibitions and exhibitions, auto consumption subsidies, and auto promotion to the countryside. Activity.

　　"Fiscal and taxation departments can play an important role in promoting the upgrading of the consumption structure and improving the consumption environment of residents, and making good use of fiscal and taxation policies to reduce the burden on enterprises and encourage innovation and research and development will help reduce the retail price of products, improve the quality of supply, and thus increase the willingness of residents to consume. " said Li Xuhong, a professor at Beijing National Accounting Institute.

　　Tax cuts and red envelopes boost consumer confidence

　　On the last day of 2021, the finance and taxation department issued an announcement clarified that the policy of not incorporating one-time bonuses throughout the year into the current month’s wages and salaries, and implementing the monthly conversion tax rate for separate taxation will be postponed until the end of 2023.

　　Hearing the good news, Li Xiao, a citizen of Chaoyang District, Beijing, quickly settled the accounts.

Li Xiao's annual taxable income is 150,000 yuan, and the year-end bonus is 30,000 yuan.

If the tax is combined, 30,000 yuan is subject to a 20% tax rate, and the individual tax is paid 6,000 yuan, and the year-end bonus is 24,000 yuan; if the tax is calculated separately, the 30,000 yuan tax rate is applicable, and the individual tax is 900 yuan. The year-end bonus is 29,100 yuan.

"I have paid 5,100 yuan less than the monthly tax alone. I used this money to buy a new mobile phone for my mother as a New Year's gift!" Li Xiao said.

　　Also happy is Zhang Yuhong, a tourist from Hebei who is on vacation in Hainan: "The duty-free prices of many skin care products here are cheaper than overseas, and the promotions are also very strong."

　　Data show that in 2021, the sales of 10 duty-free shops on outlying islands in Hainan will reach 60.173 billion yuan, a year-on-year increase of 84%.

Among them, duty-free sales were 50.49 billion yuan, an increase of 83% year-on-year; the number of duty-free shoppers was 9.6766 million, a year-on-year increase of 73%; the number of duty-free purchases was 53.4925 million, a year-on-year increase of 71%.

Many international brands are actively deploying the duty-free market in the outlying islands of Hainan, and the brand entry and product launch have been accelerated, becoming a new force to attract overseas consumption.

It is understood that during the Spring Festival holiday, 10 duty-free shops on outlying islands in Hainan have launched consumer promotion activities to activate the duty-free market in outlying islands.

From January 31 to February 6, the total sales of the 10 duty-free shops reached 2.131 billion yuan, a year-on-year increase of 151%.

Among them, the tax-free sales amounted to 1.944 billion yuan, a year-on-year increase of 156%; the number of duty-free shoppers was 301,800, a year-on-year increase of 138%; the number of duty-free items purchased was 1,815,800, a year-on-year increase of 157%.

　　"Fiscal and taxation policies have great potential to improve residents' consumption enthusiasm and consumption capacity. The steady upgrade of the tax-free policy for outlying islands has promoted the development of Hainan's modern service industry represented by tourism, which is conducive to attracting the return of consumption and promoting consumption upgrading." Li Xuhong suggested, In the future, fiscal and taxation policies should pay more attention to narrowing the income distribution gap and expanding the consumption willingness of the broad masses; through the consumption tax reform, the collection link should be moved later to expand local sources of income and guide local governments to improve the consumption environment; in addition, we should follow the trend of consumption upgrading and increase fiscal and taxation policies. Support for corporate innovation investment, enhance tax incentives for green, low-carbon, energy-saving and environmental protection and other related industries, and improve the attractiveness and competitiveness of related products.

　　Financial innovation optimizes consumption environment

　　Recently, Meng Qingjuan, a citizen of Qingdao, Shandong, went shopping with her family.

"We went shopping on Zhongshan Road, watched a movie, and walked around Taitung Pedestrian Street. These places are very popular!" Meng Qingjuan said.

Data show that from January 31 to February 6, the national non-cash payment business volume reached 20.84 billion, with an amount of 14.9 trillion yuan, an increase of 10.0% and 16.2% respectively over the same period last year.

　　"On the basis of rational consumption and reasonable borrowing, by providing professional and characteristic financial services, financial institutions can help consumers increase their willingness to consume within their capabilities, which can play a certain role in promoting consumption growth." Fudan University Dong Ximiao, a part-time researcher at the Financial Research Institute, said.

　　Optimize the payment environment.

A few days ago, the digital RMB (pilot version) APP was officially opened for download in major application stores, and consumers in Shenzhen, Suzhou, Qingdao and other pilot areas can download and use it.

"The official launch of the digital RMB (pilot version) APP will help promote the effective recovery of consumption, optimize the payment service environment, and provide a new choice for consumers to pay." Dong Ximiao said.

　　Guarantee consumer safety.

Beijing resident Zhao Liang found that the fruits he bought had a QR code of "Ping An Traceability" anti-counterfeiting information, which is the "insurance + technology" model launched by China Ping An Property and Casualty Insurance Company.

In case of personal injury caused by food poisoning or other food-borne diseases caused by quality problems, the insurance will provide protection for farmers and consumers.

At the same time, the product standard, quality, production information, etc. in the traceability logo is the identity certificate of the agricultural product, which can guarantee the economic compensation losses caused to the enterprise due to the defect of the traceability information.

　　Strengthen consumer finance.

"At present, financial products that promote consumption are innovating rapidly, and the coverage of financial scenarios continues to expand; the main body of consumer finance supply is constantly enriched, and commercial banks, etc., give full play to their respective characteristics and advantages to provide consumers with multi-level financial services; artificial intelligence, big data, cloud Fintech technologies such as computing and blockchain are also being deeply applied in the field of consumer finance." Dong Ximiao believes that in the future, financial institutions should increase product innovation and further enrich product types, not only to serve the development needs of large, medium and small enterprises, but also to fully To meet the needs of business entities such as small stalls and shops, and promote the development of consumer finance in the direction of inclusiveness.

　　Our reporter Wang Guange Mengchao