为期两天的全国商务工作会议或提出新的促消费思路，此后新一轮促消费政策有望陆续出台。不过，对于各方关心的明年进出口目标，相关人士表示本次会议可能不会提及，最终目标将在明年“两会”前后公布。

A two-day national work conference on business and put forward the new thought of promoting consumption,After a new round of promoting consumption policy is expected to come on stage in succession.but,For all parties concerned in the import and export target next year,Relevant personage says this meeting may not be mentioned,Ultimate goal will be next year"CPPCC"Before and after released.

　　分析人士认为，新一轮促消费政策主要以启动农村市场为主，家电、汽车下乡等优惠政策有望延续并扩大，光伏下乡政策也在制定中。新的消费政策可能还包括针对城市中低收入阶层的消费优惠政策，比如完善城市社区便民服务设施、刺激消费信贷市场。

Analysts believe that,A new round of promoting consumption policy mainly to activate the rural market,Home appliance/Automotive fields such as preferential policy is expected to continue and expand,Photovoltaic to the countryside policies are formulated.New consumption policy may also include preferential policies for the consumption of the low-income groups in the city,Convenient service facilities such as perfecting the urban community/Stimulate the consumer credit market.

　　扩大节能环保产品消费

Expanding energy conservation and environmental protection product consumption

　　分析人士认为，扩大节能环保产品消费或是消费新政的重点之一。在新型城镇化建设背景下，制定节能环保产品扶持政策，构建资源节约、环境友好的消费模式，将有助于扩大内需和推动经济增长方式转变。

Analysts believe that,Expanding energy conservation and environmental protection products consumption or one of the focus of the New Deal.In the new urbanization construction background,Support policies for energy conservation and environmental protection products,Constructing the resource conservation/Environment friendly consumption patterns,Will help to expand domestic demand and promote economic growth mode transformation.

　　商务部新闻发言人沈丹阳曾表示，在财政支持政策上要争取各级财政支出能更多投到惠及民生的公益性流通、绿色环保消费等领域。“过去有家电下乡，以旧换新这些政策，下一步能不能对一些家庭用的太阳能产品的销售，给一些财政的激励政策？这既有利于促进消费，又有利于环保绿色产业的发展。”

The ministry of commerce spokesman ShenDanYang has said,On the financial support policy for spending more to benefit the livelihood of the people at all levels of public welfare/Consumption of green environmental protection, etc."In the past have home appliances to the countryside,To old change new these policies,Can next to some families use the solar energy product sales,Give some financial incentive policy?It is helpful to promote the consumption,And is conducive to the development of environmental protection green industry."

　　分析人士称，太阳能产业近年发展较快，产能迅速增长，但面临国内消费市场未打开、出口市场难以显著扩大的困局。太阳能光伏作为该产业中的重点行业，有望在新一轮促消费政策中受益。

Analysts said,Solar energy industry developed rapidly in recent years,Productivity growth,But facing domestic consumer market is not open/Export market is difficult to significantly extend the boat.Solar energy as the key industries in the industry,Benefit is expected to be in a new round of promoting consumption policy.

　　对于是否重启汽车下乡政策，沈丹阳曾表示，是否重启汽车下乡以及与其他一些产品的促进消费新政策，有关部门还在研究中。

Whether to restart the car to the countryside policies,ShenDanYang said,Whether to restart the car to the countryside and the promotion of other products consumption new policy,The relevant departments also in the study.

　　分析人士认为，新一轮促消费政策中，家电下乡和以旧换新政策有望延续并扩大。按照家电下乡政策相关文件，2012年是家电下乡政策实施的最后一年。该政策实施两年多来，对促进消费、拉动内需起到了较为明显的效果。

Analysts believe that,A new round of promoting consumption policy,Home appliances to the countryside and in the old change new policy is expected to continue and expand.According to the home appliances to the countryside policies related documents,2012 is the home appliances to the countryside policy of last year.The policy implementation of more than two years,To promote the consumption/Stimulating domestic demand has played a significant effect.

　　鼓励扩大消费信贷

Encourage expanding consumer credit

　　分析人士认为，新消费政策或将出台针对城市中低收入阶层的消费优惠，比如完善城市社区便民服务设施、降低刷卡手续费刺激消费信贷市场。鼓励消费信贷产品和管理模式创新，扩大银行卡的使用范围，方便刷卡消费。

Analysts believe that,New consumption policy or will be issued according to the consumption of the low-income groups in the city,Convenient service facilities such as perfecting the urban community/Reduce credit card charges to stimulate consumer credit market.Encourage consumer credit products and management mode innovation,Expand the scope of the use of bank CARDS,Convenient to pay by credit card consumption.

　　央行11月下发通知表示，国务院已同意银行卡刷卡手续费标准调整方案，将于2013年2月25日起全面执行。此次刷卡费率总体下调幅度在23%-24%，最大下调幅度达37.5%。

The central bank said the November issued a notice,Under the state council has agreed to bank card fees adjustment scheme,To fully implement on February 25, 2013.The overall charge rate declines in 23% 24%,The biggest declines of 37.5%.

　　新收费标准维持了现行刷卡手续费行业差别化定价，行业分类主要有餐饮娱乐类、一般类、民生类以及公益类四大类。此次调整的刷卡手续费指中国银联、商业银行向商户收取的手续费，并不涉及个人消费者，因此，调整不会直接影响个人消费。

New fees to maintain the current credit card charges industry differentiation pricing,Industry classification such as entertainment/general/People's livelihood and public class four categories.The adjustment of the credit card fee refers to China unionpay/Commercial Banks to the merchant's fee,Don't involve individual consumers,so,Adjustment will directly influence the personal consumption.