2025年8月13日，交通银行（601328）发布公告称，为深入贯彻落实党中央、国务院决策部署，有效降 低居民信贷成本和服务业经营主体融资成本，充分激发消费潜力、提升市场活力，交通银行积极响应并 严格执行《关于印发<个人消费贷款财政贴息政策实施方案>的通知》（财金〔2025〕80号）和《关于 印发<服务业经营主体贷款贴息政策实施方案>的通知》（财金〔2025〕81号）精神及相关要求，依法 合规推进个人消费贷款与服务业经营主体贷款贴息工作。 交通银行将坚持市场化、法治化原则，优化办理流程，简化办理手续，对符合上述通知要求的贷款实施 贴息。后续办理流程及相关问题解答，交通银行将通过交通银行官网、手机银行App、微信公众号等官 方渠道统一发布，敬请留意。 如需帮助，您可通过手机银行App、贷款经办行、95559咨询。如您还未下载交通银行手机银行App，可 以扫描下载安装，二维码请见下方。 郑重提示：在办理贷款贴息业务过程中，交通银行不收取任何费用。为最大限度保障您的财产和信息安 全，防范不法分子以办理贷款贴息为由实施诈骗活动，切勿轻信交通银行官方渠道以外人员的电话和短 信。 ...

Meeting Basic Information - The South China Ruiying Mixed Initiation Securities Investment Fund will hold a meeting to discuss the proposal to amend the termination clause of the fund contract [1][2] - The meeting will be conducted via communication, with voting starting from August 13, 2025, to September 15, 2025 [1][3] - The voting will be sent to the fund management company at a specified address [1] Meeting Agenda - The main agenda for the meeting is to review the proposal regarding the amendment of the termination clause in the fund contract [2] Voting Process - Fund holders can fill out and submit paper ballots, which can be downloaded from the fund management company's website or the China Securities Regulatory Commission's electronic disclosure website [4][5] - Specific requirements for individual and institutional investors regarding the submission of ballots are outlined [5][10] Authorization - Fund holders can authorize others to vote on their behalf, with specific rules for authorization outlined [8][9] - The authorization process allows for both paper and electronic methods, with detailed instructions provided for each [10][11] Counting Votes - The counting of votes will be supervised by designated personnel and conducted within two working days after the voting deadline [16] - Each fund share represents one vote, and specific conditions for the validity of ballots are established [16][17] Resolution Effectiveness - The proposal requires at least two-thirds of the voting rights held by participating fund holders to pass [18] - The decisions made during the meeting will be reported to the China Securities Regulatory Commission within five days [19] Second Meeting and Authorization - If the meeting does not meet the required quorum, a second meeting may be convened within three to six months [20] - Authorizations made for the first meeting will remain valid unless changed [20] Important Contacts - The meeting is organized by Nanhua Fund Management Co., with contact details provided for inquiries [21]

日前，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。8月12 日、8月13日，多家银行发布公告，落实个人消费贷款财政贴息相关工作。 中国银行 中国银行关于落实个人消费贷款财政贴息工作的公告 为深入贯彻落实党中央、国务院决策部署，助力扩内需促消费，中国银行将全力落实并严格执行《关于 印发<个人消费贷款财政贴息政策实施方案>的通知》（财金[2025]80号），确保财政贴息的政策红利直 达广大消费者，为激发消费潜力贡献金融力量。 我行将遵循市场化、法治化原则，于2025年9月1日开始，针对符合政策条件的个人消费贷款开展财政贴 息工作。后续将通过中国银行官微、官网、营业网点等渠道公布办理流程等实施细则，敬请关注。 中国建设银行 中国农业银行关于个人消费贷款贴息工作的公告 为深入贯彻落实党中央、国务院决策部署，有效降低居民消费信贷成本，充分激发消费市场潜力，我行 积极响应并严格执行《关于印发<个人消费贷款财政贴息政策实施方案>的通知》（财金〔2025〕80 号）精神及相关要求，依法合规推进个人消费贷款贴息工作，确保将国家政策红利切实惠及广大金融消 费者。 我行将按照市场化、法治化原则，自2 ...

Core Viewpoint - The announcement by Bank of Communications focuses on implementing interest subsidies for personal consumption loans and loans to service industry operators, aiming to reduce credit costs for residents and financing costs for service industry entities, thereby stimulating consumption potential and enhancing market vitality [1] Group 1: Policy Implementation - Bank of Communications is actively responding to and strictly executing the directives outlined in the "Implementation Plan for Fiscal Interest Subsidies on Personal Consumption Loans" and the "Implementation Plan for Interest Subsidies on Loans to Service Industry Operators" [1] - The bank's actions are in line with the decisions made by the Central Committee of the Communist Party of China and the State Council [1] Group 2: Objectives - The primary goal is to effectively lower the credit costs for residents and financing costs for service industry operators [1] - The initiative aims to fully stimulate consumption potential and enhance market vitality [1]

Core Viewpoint - The announcement by the Bank of Communications focuses on implementing interest subsidies for personal consumption loans and loans to service industry operators to reduce credit costs and stimulate consumption potential [1] Group 1: Policy Implementation - The bank is responding to the directives from the central government to lower financing costs for residents and service industry entities [1] - The bank will adhere to market-oriented and legal principles while optimizing the loan processing procedures [1] Group 2: Communication and Updates - The bank plans to simplify the application process for eligible loans and will provide updates through official channels such as its website, mobile banking app, and WeChat [1]

Group 1 - The core stock price of Bank of Communications is 7.68 yuan as of August 12, 2025, with a slight increase of 0.01 yuan, representing a 0.13% rise [1] - The bank's total market capitalization is 678.634 billion yuan, and the circulating market value is 301.447 billion yuan [1] - The bank has been included in the list of 23 institutions eligible to process subsidized consumer loans, which will offer a 1% annual interest subsidy from September 1, 2025, to August 31, 2026 [1] Group 2 - On August 12, 2025, the main capital outflow from Bank of Communications was 76.9118 million yuan, accounting for 0.03% of the circulating market value [1] - Over the past five trading days, the cumulative net outflow of main capital reached 221 million yuan, representing 0.07% of the circulating market value [1]

12家全国性股份制商业银行 近日，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。 要点如下↓↓ 支持范围 贷款经办机构 6家国有大型商业银行， 包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行 股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 ■ 家用汽车领域，包括汽车购置、车辆保险及维修。 ■ 养老生育领域，包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托 育、辅助生育消费等。 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用 卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易信息 的部分，可按规定享受贴息政策。 贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文 化旅游、家居家装、电子产品、健康医疗等重点领域消费。 对于单笔5万元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究 延长政策期限、扩大支持 ...

8月12日，为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，财政部等九部门发布了《服务业经营主体贷款贴息政策实施方 案》（以下简称《主体贴息方案》）。 同日，财政部、中国人民银行、金融监管总局还联合印发了《个人消费贷款财政贴息政策实施方案》（以下简称《个人贴息方案》），明确对以下适用对象 进行财政贴息。 8类消费服务业经营主体可获贴息 具体来看，《主体贴息方案》明确对符合以下条件的经营主体贷款进行贴息： 一是由经办银行向餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主体发放。二是在《提振消费专项行动方案》公开 发布之日（2025年3月16日）至2025年12月31日期间签订贷款合同且相关贷款资金发放至经营主体。三是贷款资金合规用于改善消费基础设施和提升服务供 给能力。 在贴息标准方面，《主体贴息方案》表示，对于经办银行向服务业经营主体发放的贷款，财政部门按照贷款本金对经营主体进行贴息，贴息期限不超过1 年，年贴息比例为1个百分点。 此外，在财政分担机制方面，中央财政、省级财政分别承担贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。 《主 ...

【 导读 】 财政部等多部门联合发布贷款贴息政策实施方案，对个人消费贷款、服务业经营主体贷款财政贴息，农行、邮储、浦发、浙 商等银行率先官宣政策 中国基金报记者 马嘉昕 8 月 12 日，为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，财政部等九部门发布了《服务业经营主 体贷款贴息政策实施方案》（以下简称《主体贴息方案》）。 同日，财政部、中国人民银行、金融监管总局还联合印发了《个人消费贷款财政贴息政策实施方案》（以下简称《个人贴息方案》）， 明确对以下适用对象进行财政贴息。 8 类消费服务业经营主体可获贴息 具体来看， 《主体贴息方案》 明确对符合以下条件的经营主体贷款进行贴息： 一是由经办银行向餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育 8 类消费领域服务业经营主体发放。二是在《提振消费 专项行动方案》公开发布之日（ 2025 年 3 月 16 日）至 2025 年 12 月 31 日期间签订贷款合同且相关贷款资金发放至经营主体。三 是贷款资金合规用于改善消费基础设施和提升服务供给能力。 在贴息标准方面， 《主体贴息方案》 表示，对于经办银行向服务业经营主体发放的贷款， ...

Core Viewpoint - The article outlines the implementation plan for the personal consumption loan interest subsidy policy, aimed at boosting consumer spending and supporting economic growth from September 1, 2025, to August 31, 2026 [9][10]. Summary by Sections Policy Content - The subsidy applies to personal consumption loans issued by financial institutions, excluding credit card transactions, that are used for consumption and can be identified through transaction information [10]. - The subsidy covers consumption amounts below 50,000 yuan and includes key areas such as home appliances, automotive purchases, education, and healthcare [3][10]. - For amounts above 50,000 yuan, the subsidy is capped at 50,000 yuan per transaction [3][10]. Subsidy Standards - The annual subsidy rate is set at 1% of the eligible loan principal, with a maximum of 50% of the loan contract interest rate [5][10]. - Each borrower can receive a total subsidy of up to 3,000 yuan, corresponding to a total consumption amount of 300,000 yuan, with a limit of 1,000 yuan for amounts below 50,000 yuan [5][10]. Loan Issuing Institutions - The policy involves six major state-owned banks and twelve national joint-stock commercial banks, along with five other consumer loan issuing institutions [4][11][12]. Implementation Organization - Financial institutions must estimate their loan issuance and subsidy needs within 30 days of the policy's announcement and submit applications for pre-allocation of subsidy funds [13]. - Institutions are responsible for calculating the subsidy amounts based on the policy's guidelines and informing borrowers of the subsidy details [13][14]. Supervision and Management - The Ministry of Finance is tasked with formulating the policy and overseeing the allocation of subsidy funds, while local financial departments are responsible for auditing and disbursing these funds [17][19]. - Financial institutions must ensure compliance with the policy and maintain accurate records of loan usage to prevent misuse of subsidy funds [18][19].