据央视财经，近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均已发布公告， 落实个人消费贷款财政贴息政策优化相关服务。具体来看： 编辑：朴丽娜 责编：赵一凡 一是将个人消费贷款财政贴息政策实施期限延长至2026年12月31日。 二是扩大支持范围，将信用卡账单分期业务纳入支持范围。 三是拓展贴息领域，取消单笔5万元及以上消费领域限制。 四是提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构可 享受5万元以下累计消费贴息上限1000元的要求。 针对前期已签署《个人消费贷款财政贴息服务协议》的贷款，多家银行解答称，在2026年1月1日后发生 的消费，将自动适用最新财政贴息政策，无需重新签署协议。 来源：央视财经 原标题：《工、农、中、建、交、邮储，六大行集体公告！》 ...

【导读】六大行集体公告，落实个人消费贷款最新财政贴息政策 中国基金报记者 忆山 对于违法违规套取贴息资金的行为，农业银行表示，对信用卡使用过程中存在欺诈、虚假消费、资金流入非消费领域或国家有关政策规定 的其他违法违规行为，按规定不予财政贴息 ； 对已享受财政贴息的，有权以适当方式扣减或追回贴息资金。 交通银行表示，将按照市场化、法治化原则，对符合政策要求的个人消费贷款和信用卡账单分期予以贴息。对借款人违法违规套取贴息资 金的，将纳入个人征信记录并依法依规严肃处理。 此外，邮储银行提醒，个人消费贷款业务除合同明确约定的利息外，无需支付其他费用，本次贴息也不会收取额外费用。任何以该行名义 收取中介费、手续费、代办费等的行为均 属于 诈骗。 近日，财政部、中国人民银行、金融监管总局发布《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》（以下简称《通知》）。 《通知》发布后，六家国有大行相继发布公告，落实相关要求，推进2026年个人消费贷款财政贴息工作，并围绕公众关注的 政策优化细节 、具体操作，以及违法违规套取后果等问题进行解答。 其中，围绕2026年贴息政策的优化领域，工商银行 表示 主要有四个方面：一是延长 ...

Group 1 - The core viewpoint of the news is that major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its benefits and expanding its scope [1][2][3] Group 2 - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [1] - The support scope has been expanded to include credit card bill installment services [1] - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [2] - The subsidy standards have been improved by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cumulative subsidy limit for borrowers at a single institution [2] - Existing loan agreements signed under the previous subsidy policy will automatically apply the new subsidy terms for transactions occurring after January 1, 2026, without the need for re-signing [2]

Core Viewpoint - Major Chinese banks have announced the implementation of an optimized personal consumption loan subsidy policy, extending its duration and expanding its scope to support consumer spending [1] Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended to December 31, 2026 [1] - The scope of support has been expanded to include credit card installment payment services [1] Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [1] - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the previous limit of 1,000 yuan for cumulative subsidies under 50,000 yuan per borrower at a single institution [1] Group 3: Existing Agreements - For loans that have already signed the personal consumption loan subsidy service agreement, any consumption occurring after January 1, 2026, will automatically apply the latest subsidy policy without the need to re-sign the agreement [1]

Core Viewpoint - The Postal Savings Bank of China Hunan Branch has launched a comprehensive promotional campaign to implement the People's Bank of China's one-time credit repair policy, aimed at helping eligible customers understand and benefit from credit repair rights, thereby enhancing the inclusiveness and people-oriented nature of financial services [1][5] Group 1: Policy Implementation - The credit repair policy applies to personal overdue information with a single amount not exceeding 10,000 RMB, for the period from January 1, 2020, to December 31, 2025. Individuals who fully repay overdue debts by March 31, 2026, will have their overdue information not displayed in the financial credit information database, providing a valuable opportunity for credit reconstruction for those affected by economic downturns [1][5] Group 2: Promotional Activities - The Hunan Branch has implemented ten specific measures, including brochures, video broadcasts, dedicated service counters, hotlines, community activities, social media sharing, data organization, SMS reminders, service tracking, and news promotion, to create a comprehensive online and offline promotional service system, significantly improving policy awareness and processing convenience [3][7] - Since the campaign began, over 150,000 promotional brochures have been printed and distributed, 105 credit repair themed promotional events have been organized, and 3,571 consultations have been received [3][7] Group 3: Community Engagement - Local branches actively engaged in grassroots outreach, conducting promotional activities in communities and business districts. For instance, the Hengyang Branch held a community event to explain the policy and answer questions, while the Xiangtan Branch educated tobacco merchants on credit impacts and repair processes [3][7] - The Chenzhou Branch's party member team visited rural towns to reveal the risks of "paid repair" scams and promote the conditions for credit repair and the "no application required" benefits [3][7] Group 4: Online Outreach - Various branches utilized mainstream media and online platforms to effectively communicate policy details. The Loudi Branch participated in a television interview to explain the applicable scope and processing procedures, while multiple branches published 32 articles in major media outlets to enhance the policy's credibility and reach [4][8] Group 5: Customer Support and Future Plans - Since the policy's implementation, the Hunan Branch has proactively contacted eligible overdue customers to assist in credit repair while also providing anti-fraud warnings. For example, a customer in Yueyang successfully obtained a 300,000 RMB consumer loan after credit repair assistance, while another customer in Zhangjiajie avoided scams by understanding the policy's free and no-application-required features [4][9] - Moving forward, the Hunan Branch plans to deepen collaboration with local governments, regulatory bodies, communities, and media to enhance information sharing and joint promotional mechanisms, further expanding policy outreach and service effectiveness to support market entities and maintain financial stability [5][9]

Core Viewpoint - The Chinese government has introduced a new personal consumption loan interest subsidy policy, which aims to enhance consumer spending and stimulate the economy by providing financial incentives through interest subsidies on personal loans and credit card installments [1][3]. Group 1: Policy Implementation - The new subsidy policy will be effective from September 1, 2025, to December 31, 2026, for personal consumption loans, while the credit card installment subsidy period will be from January 1, 2026, to December 31, 2026 [3]. - The policy expands the support scope by including credit card installment payments for the first time, with a subsidy rate of 1% per annum, and removes previous restrictions on consumption areas [3][4]. Group 2: Bank Responses - Major banks such as ICBC, ABC, BOC, CCB, and others have quickly responded by issuing operational guidelines and clarifications regarding the implementation of the subsidy policy [2][3]. - Banks have confirmed that customers who have already signed consumption loan subsidy agreements will automatically benefit from the new policy without needing to re-sign agreements [4][5]. Group 3: Customer Guidance - Customers are required to sign a supplementary agreement for credit card installment subsidies, with each card needing a separate agreement to benefit from the subsidy during the policy period [5][6]. - Banks are advised to streamline the process for customers to access the subsidy, including online application portals and clear communication of interest rates and subsidy limits [6][7]. Group 4: Market Impact - The minimum execution interest rate for consumption loans remains at 3%, but with the subsidy, the effective interest rate for eligible borrowers could potentially drop to the "2% range" [7].

Group 1 - Fujian Shiru Technology Co., Ltd. has been established with a registered capital of 10 million yuan [1] - The legal representative of the company is Lü Jiayi [1] - The business scope includes technology promotion and application services, artificial intelligence application software development, and integration services for artificial intelligence industry applications [1] Group 2 - The company is wholly owned by Liaoning Hongyu Enterprise Management Co., Ltd., which is a subsidiary of China Post [1]

来源：环球网 "每年12月正是秋粮收购旺季，仓库要囤粮、粮款要现结，可流动资金总差口气。"河南新乡封丘县某粮 油购销公司董事长封先生的困扰，道出了粮食收储行业的普遍难题。 邮储银行新乡市分行此次推出的"粮食集群e贷"，正是立足新乡农业产业发展实际，坚持落实小微企业 融资协调机制，以金融创新赋能粮食产业链的生动实践。通过"千企万户大走访"主动下沉服务，精准对 接企业需求，不仅为粮食收储企业打通了资金周转的"堵点"，更构建了"金融+粮食产业"的良性互动格 局，为乡村振兴和农业强市建设注入了强劲动力。 作为河南封丘国家粮食储备库旗下的重要企业，该公司拥有5项行政许可，是当地粮食中转的核心枢 纽。2025年12月，邮储银行新乡市分行普惠金融服务队在走访中了解到，企业正面临秋粮收购的资金压 力——高峰期日均需垫付数十万元，现有资金仅能支撑半个月收购量，若资金无法及时到位，不仅企业 的正常经营受到限制，还可能影响周边农户正常售粮。 邮储银行新乡市分行相关负责人表示，下一步，该行将持续深化普惠金融服务，不断优化特色金融产 品，聚焦粮食生产、储运、加工、销售全链条需求，让金融"活水"更精准、更高效地流向农业农村领 域，为保障 ...

[Table_Title] 银行行业 [Table_Page] 行业专题研究|银行 2026 年 1 月 22 日 证券研究报告 数字人民币 2.0：从 M0 到 M1 的质变 | [Tabl 分析师： | 倪军 | 分析师： | 林虎 | | --- | --- | --- | --- | | e_Author] | SAC 执证号：S0260518020004 | | SAC 执证号：S0260525040004 | | | | | SFC CE.no: BWK411 | | | 021-38003646 | | 021-38003643 | | | nijun@gf.com.cn | | gflinhu@gf.com.cn | | | 请注意，倪军并非香港证券及期货事务监察委员会的注册持牌人，不可在香港从事受监管活动。 | | | [Table_Summary] 核心观点： | 相关研究： [Table_Report] | | | --- | --- | | 银行行业:降准降息还有空间——银行资负跟踪 20260119 | 2026-01-19 | | 跨境流动性跟踪 20260118:12 月跨境净回 ...

意见领袖丨新金融联盟NFA "未来，零售金融将呈现四个'新'：新趋势，聚焦新兴需求场景；新场景，激活账户级客户价值；新产 品，场景反向定义产品；新服务，跨界培育生态。" ——重庆富民银行董事长（拟任）兼行长 赵卫星 "消费金融与财富金融是助推国家经济增长的重要两翼，二者相互赋能、深度联动，蕴藏巨大发展空 间。现代财富管理要从'药店模式'转向'中药铺模式'，用AI的立体面服务替代单点触达，激活普惠性财 富需求。" ——邮储银行个人金融部副总经理 赵晓丹 "面对海量客户，科技应用是消费金融的必然选择。未来科技投入需向客群上移的目标倾斜，不仅聚焦 风控，更要着力解决客服、催收、定价问题：通过科技手段降低投诉量、提升品牌好感度、优化客户体 验、增强客户黏性，从而吸引优质客户。" ——马上消费金融副总经理 孙磊 1月10日，在"数智银行家2025年会暨新金融联盟九周年庆典"上，多位嘉宾在主题为"新经营环境下零售 金融的挑战与应对"的圆桌对话上表达了上述观点。 清华大学五道口金融学院教授、中国人民银行参事张健华主持本场圆桌对话，重庆富民银行董事长（拟 任）兼行长赵卫星、邮储银行个人金融部副总经理赵晓丹、马上消费金融副总经 ...