你的手机最近被各种低息贷款的短信"轰炸"过吗？年利率仅2.5%、额度高达50万、贷款期限长达七年、还可以只还息不还本……惊不惊喜，有诱不诱人？本期请刘院长独家解读：我们该怎么理解“用贷款促消费”？为什么刺激消费应该用“二阶思维”重新定义？·时间戳·00:03 你也收到消费贷款短信了吗？09:47 这次不一样吗？当前消费贷政策与上一次有什么不同？14:07 银行们怎么看待此次政策？真的会马上行动吗？19:12 什么才是消费贷的“好”客户？25:21 为什么拉动消费如此之难？可能是定义的“颗粒度”不够细分29:12 再想深一层：经济和消费的关系34:02 范仲淹"荒政三奇策"的启示37:52 提振消费需要“二阶思维”40:44 利息高低与经济健康的关系50:15 “经济的晴雨表”——银行净息差与目前真实状况52:01 “融资难”——银行不愿意放贷款？57:25 这次新政会如何发展？文字版（播客平台长度受限），请至《墙裂坛》公众号收看！— End —主播｜刘晓春 肖小跑编辑｜坛子申请加入坛友群，请添加坛子微信：BKsufe，请注明：坛友
No persons identified in this episode.
This episode hasn't been transcribed yet
Help us prioritize this episode for transcription by upvoting it.
Popular episodes get transcribed faster
Other recent transcribed episodes
Transcribed and ready to explore now
Eric Larsen on the emergence and potential of AI in healthcare
10 Dec 2025
McKinsey on Healthcare
Reducing Burnout and Boosting Revenue in ASCs
10 Dec 2025
Becker’s Healthcare -- Spine and Orthopedic Podcast
Dr. Erich G. Anderer, Chief of the Division of Neurosurgery and Surgical Director of Perioperative Services at NYU Langone Hospital–Brooklyn
09 Dec 2025
Becker’s Healthcare -- Spine and Orthopedic Podcast
Dr. Nolan Wessell, Assistant Professor and Well-being Co-Director, Department of Orthopedic Surgery, Division of Spine Surgery, University of Colorado School of Medicine
08 Dec 2025
Becker’s Healthcare -- Spine and Orthopedic Podcast
NPR News: 12-08-2025 2AM EST
08 Dec 2025
NPR News Now
NPR News: 12-08-2025 1AM EST
08 Dec 2025
NPR News Now