[Eight departments: timely optimization of policies to encourage and guide financial institutions to increase the supply of consumer credit] On September 28, the People's Bank of China, the State Administration of Financial Supervision, the China Securities Regulatory Commission, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Finance, the Ministry of Commerce, and the Ministry of Culture and Tourism issued the "Guiding Opinions on Financial Support for the Expansion and Quality Improvement of the Service Industry." It pointed out that fiscal and financial collaborative incentives should be strengthened. Make good use of policy tools such as service consumption and pension refinancing, optimize policies in a timely manner, encourage and guide financial institutions to increase the supply of credit for service consumption, and provide financial support to key areas of the service industry. We will implement a package of fiscal and financial synergy to promote domestic demand, including interest discounts on loans for business entities in the service industry, interest discounts on loans to small, medium and micro enterprises, and interest discounts on personal consumption loans. Give full play to the role of government financing guarantees, determine the business scope and guarantee rates of financing guarantees in accordance with the principles of marketization and rule of law, and support the financing development of operating entities in the service industry and other fields. Implement the first (set) insurance compensation policy. Continue to promote the explicit disclosure of comprehensive financing costs for corporate and personal loans, and promote low-level comprehensive financing costs for small and medium-sized service industry enterprises.