2026年1月20日，财政部、中国人民银行、金融监管总局联合发布《关于优化实施个人消费贷款财政贴 息政策有关事项的通知》（财金〔2026〕1号），明确延长政策实施期限、扩大贴息范围、调整贴息标 准。 《通知》发布后，部分国有行和股份行迅速响应，包括中国银行、中国农业银行、中国邮政储蓄银行、 交通银行四家国有银行，及招商银行这一代表性股份行密集发布落实细则与客户问答，从核心规则到操 作流程全方位为消费者提供指引，助力政策红利快速落地。 期限、范围、标准三大调整全覆盖 政策红利精准释放 此次新政的三大核心变化，在国有行与股份行的细则中均得到全面体现。实施期限方面，调整后个人消 费贷款贴息政策统一覆盖2025年9月1日至2026年12月31日；其中新增的信用卡账单分期贴息专项实施期 为2026年1月1日至2026年12月31日。国有行中，中国农业银行特别说明，2026年1月1日至政策发布日期 间已办理的信用卡账单分期，可致电客服热线申请补享贴息。 新旧政策衔接方面，国有行与股份行均遵循"无需重复操作"原则。国有行中的中国银行、交通银行、邮 储银行明确，前期已申请贴息的贷款或已签署协议的客户，2026年1月1日后消费 ...

为落实党中央、国务院提振消费、扩大内需决策部署，中国邮政储蓄银行近日正式发布个人消费贷款财 政贴息服务优化公告，将信用卡账单分期纳入贴息范围，取消多项限制条件，进一步降低居民消费信贷 成本。 贴息标准按1个百分点年比例计算，最高不超过贷款合同或分期协议年化利率的50%。为提升便民度， 邮储银行实行"自动识别、直接抵扣"模式，客户在办理贷款或账单分期时签署授权书后，银行将通过账 户交易信息核算贴息金额，在结息时自动扣减，无需额外申请。未自动识别的消费可凭真实发票申请人 工审核。 客户可通过邮储银行手机银行、营业网点办理消费贷款贴息业务，信用卡账单分期贴息可通过手机银 行、微信小程序等线上渠道办理，全程无额外费用。银行特别提醒，严禁通过虚假交易套取贴息资金， 违规者将纳入不良征信并依法处理，任何第三方收费代办行为均属诈骗。 此次优化进一步扩大了政策覆盖面，简化了办理流程，让财政红利更便捷地惠及广大消费者，为释放内 需潜能、服务经济高质量发展注入金融动力。 根据公告，本次政策优化自2026年1月1日起执行，贴息覆盖2025年9月1日至2026年12月31日期间发放的 个人消费贷款，以及2026年全年新办理的信用卡账 ...

Core Viewpoint - The newly revised consumer loan interest subsidy policy is expected to stimulate domestic consumption recovery by encouraging banks to increase consumer loan issuance [1][7]. Group 1: Policy Implementation - Major state-owned banks and joint-stock banks, including Agricultural Bank of China, Bank of China, and Postal Savings Bank, have promptly responded to the new consumer loan interest subsidy policy [1][7]. - Postal Savings Bank announced that from September 1, 2025, to December 31, 2026, personal consumption loans used for actual consumption will be eligible for interest subsidies, with credit card bill installments also included in the subsidy scope [2][8]. - The policy removes the previous restriction on single transactions of 50,000 yuan or more for eligible consumption transactions [2][8]. Group 2: Operational Procedures - China Merchants Bank outlined that customers must follow specific procedures to apply for the consumer loan interest subsidy, including signing a supplementary agreement during or after the loan issuance [3][9]. - The bank will calculate the subsidy amount based on the agreed-upon subsidy ratio and cap, directly deducting the subsidy from the interest charged to customers [3][9]. Group 3: Inclusion of More Financial Institutions - The latest policy expansion includes city commercial banks, foreign banks, and consumer finance institutions, which were previously excluded from the interest subsidy program [4][10]. - This expansion aims to enhance fairness and inclusivity in the financial system, encouraging local banks to actively participate in consumer loan issuance [4][10]. - Industry insiders expressed optimism about the inclusion of more consumer finance companies, indicating readiness to implement the policy effectively [5][11].

自2026年1月1日起施行。 消费贷贴息政策迎来重要升级，落地细节备受关注。1月20日晚间，多家国有大行表态将积极落实相关 要求，并围绕重点问题进行答疑。 根据财政部、中国人民银行、金融监管总局三部门近日发布的《关于优化实施个人消费贷款财政贴息政 策有关事项的通知》（下称《通知》），2025年8月推出的个人消费贷款财政贴息政策迎来多维度优化 升级，包括将政策实施期限延长至2026年底、将信用卡分期业务纳入贴息范围，以及提高贴息标准、增 加经办机构等。 对于落地过程中的常见问题，目前已有农业银行、中国银行、交通银行、邮储银行等多家银行进行了回 应。第一财经结合新政要点对各行客户集中关注问题的回应进行了梳理。 交通银行、邮储银行等在客户问答中明确，政策调整后，个人消费贷款财政贴息政策实施期（办理期） 为2025年9月1日至2026年12月31日。信用卡账单分期财政贴息政策实施期（办理期）为2026年1月1日至 2026年12月31日。 农业银行则提示，在2026年1月1日至政策发布日之间已办理的信用卡账单分期，可致电该行信用卡客服 热线申请补贴息。 二、前期已申请贴息的贷款如何享受贴息？ 中国银行表示，已完成贴息 ...

21世纪经济报道记者张欣 1月20日，国新办举行新闻发布会，财政部副部长廖岷围绕发挥积极财政政策作用、推动经济社会高质量发展作详细介绍，重点解读了财政金融促内需一揽 子政策。在前期支持政策基础上，财政部联合相关部门一次性推出六项政策，其中两项优化型贴息政策备受关注——服务业经营主体贷款贴息政策与个人消 费贷款贴息政策。 同日，农行、中行、邮储银行、交行等多家国有大行迅速响应，同步出台配套实施细则，其中信用卡账单分期正式纳入贴息范围，成为本次政策优化的核心 亮点，精准惠及居民消费与服务业经营主体。 个人消费贷款贴息政策农行、中行、邮储银行三家银行统一执行，实施期为2025年9月1日至2026年12月31日。 服务业经营主体贷款最新贴息政策目前只有农行发布，其实施期限同样延长至2026年12月31日，其中2025年3月16日至2025年12月31日期间发放的符合贴息 条件的贷款，继续按原规定执行。 二、贴息范围优化 1. 新增信用卡业务：将信用卡账单分期（农行、中行特别强调仅支持人民币信用卡账单，邮储未提及）纳入贴息范围，2026年1月1日至12月31日期间新办理 的该业务，经银行核查真实性、合规性后可享受贴息。 ...

Core Viewpoint - The article discusses the recent announcement by the Ministry of Finance regarding a package of policies aimed at stimulating domestic demand and promoting high-quality economic development, with a focus on two key interest subsidy policies for the service industry and personal consumption loans [1][4]. Group 1: Policy Duration - The personal consumption loan interest subsidy policy will be uniformly implemented by Agricultural Bank of China, Bank of China, and Postal Savings Bank from September 1, 2025, to December 31, 2026 [5]. - The service industry loan interest subsidy policy, currently announced only by Agricultural Bank, will also be effective until December 31, 2026, with existing loans issued between March 16, 2025, and December 31, 2025, continuing under previous regulations [5]. Group 2: Subsidy Scope Optimization - The inclusion of credit card business: Credit card bill installment plans are now part of the subsidy scope, applicable for new applications from January 1, 2026, to December 31, 2026, with a subsidy rate of 1% per annum, capped at 50% of the agreed annualized interest rate [6]. - Adjustments in personal consumption loan standards include the removal of a 500 yuan cap on single transaction subsidies, elimination of a 1,000 yuan cap for cumulative transactions under 50,000 yuan, while maintaining a 3,000 yuan annual cap for all personal consumption loans [6]. - For service industry loans, three new categories—digital, green, and retail—are added to the existing eight categories, and the maximum subsidy per loan is increased from 1 million yuan to 10 million yuan [6]. Group 3: Important Considerations - Fraudulent activities are strictly prohibited, and any misuse of funds will be legally addressed, with banks retaining the right to recover subsidies already granted [7]. - No fees will be charged during the loan and subsidy processes, and banks will not engage third parties for these services [7]. - Overdue loans will not qualify for subsidies, and borrowers must settle all outstanding principal and interest before being eligible for the subsidy [7]. Group 4: Inquiry Channels - Customers can check subsidy details through bank SMS, mobile banking apps, physical branches, or customer service hotlines, with specific business details to be confirmed through official channels [8].

北京商报讯（记者 孟凡霞 周义力）1月20日，泉州金融监管分局发布的行政处罚信息公示表显示，邮储 银行泉州市分行因"信贷业务内控管理不到位；个人贷款贷前调查不尽职，贷后管理不到位"违法违规行 为，被合计处以280万元罚款；相关责任人蔡小花、苏连声、李艳、吴超、郭宗源、庄耿权、王嘉平、 傅国龙、苏为民被给予警告，王建刚、吴振跃分别被给予警告并处以5万元罚款。 ...

许昌本土某新材料优质企业，近期面临资金周转难题：一笔信用贷款即将到期，同时受原材料价格上涨 影响，亟需200万元流动资金用于备货。邮储银行许昌市分行获悉企业困境后，立即启动快速响应机 制，安排客户经理上门对接，通过实地走访全面掌握企业经营状况。经精准研判，确认企业完全符 合"科创贷"政策支持条件。 来源：环球网 为提升金融服务质效，加大中小微企业信贷支持力度，降低企业融资成本，邮储银行许昌市分行积极推 广"科创贷"特色产品，为企业发展赋能增效。 为最大化提升服务效率，该行优化全流程办理环节，最终在一周内完成所有手续，500万元科创信用贷 款顺利到账，不仅帮助企业及时完成原材料囤货，更为企业节省了融资成本。 作为服务地方经济发展的主力军，邮储银行许昌市分行始终坚守普惠金融理念，帮助中小微企业解决融 资难题。下一步，该行将持续优化"科创贷"等特色产品供给，深化金融纾困举措，助力地方中小微企业 稳健发展。 ...

Core Viewpoint - The Chinese government has announced a policy to optimize the implementation of financial subsidies for equipment renewal loans, aimed at supporting various industries and promoting technological innovation and modernization [1][2]. Group 1: Policy Details - The central government will provide a subsidy of 1.5% on the principal of fixed asset loans for equipment renewal projects, applicable for a maximum period of 2 years from the loan issuance date [1]. - The policy will include new technology innovation loans issued by banks starting in 2026, expanding the scope of financial support [1]. - The implementation of this policy is set to last until December 31, 2026, with the possibility of extension based on future evaluations [1]. Group 2: Supported Industries - The policy expands support beyond existing sectors such as industrial, energy, transportation, and tourism to include construction, municipal services, energy equipment, aviation materials, electronic information, safety production, and more [1]. - Additional focus areas for support include high-end, intelligent, green, and digital equipment updates, as well as sectors like artificial intelligence, elderly care, and waste recycling [1]. Group 3: Participating Banks - A total of 26 banks are designated to handle the subsidized loans, including major state-owned and commercial banks such as the China Development Bank, Agricultural Bank of China, and Industrial and Commercial Bank of China [2].

Group 1 - The board of China Postal Savings Bank Co., Ltd. will hold a meeting on January 19, 2026, to elect Lu Wei as an executive director [1] - Lu Wei will also serve as the chairman and member of the Social Responsibility and Consumer Rights Protection Committee, as well as a member of the Strategic Planning Committee and the Nomination and Remuneration Committee [1] - These positions will take effect after the approval of Lu Wei's director qualification by the National Financial Supervision Administration [1]