Core Viewpoint - The government has introduced personal consumption loan interest subsidy policies to stimulate consumer spending and support service industry operators, marking the first time central finance has subsidized personal consumption loans [3][4]. Summary by Relevant Sections Personal Consumption Loan Subsidy Policy - The subsidy targets loans used for consumption, including daily expenses under 50,000 yuan and larger purchases like home appliances, cars, and education [4]. - The subsidy rate is set at 1%, approximately one-third of current commercial bank personal consumption loan interest rates, and will be effective for one year [4][5]. - The policy aims to enhance the quality of supply in the service sector, which has significant growth potential [4]. Service Industry Loan Subsidy Policy - The subsidy applies to loans issued to service industry operators in key sectors such as dining, health, and tourism, with a similar 1% subsidy rate and a maximum loan amount of 1 million yuan per entity [4][5]. - The policy will undergo evaluation after its expiration to consider potential extensions or adjustments [4]. Implementation and Operational Details - The application process is designed to be straightforward, with no complex procedures, allowing consumers to benefit easily [6]. - Borrowers can receive up to 1,000 yuan in subsidies for loans under 50,000 yuan and up to 3,000 yuan for larger loans, with the subsidy directly deducted from interest payments [6][7]. - Financial institutions are required to identify eligible consumption transactions and prevent misuse of funds [8]. Recent Developments - Several major banks, including Agricultural Bank and Industrial and Commercial Bank, have committed to implementing the subsidy policy starting September 1, 2025, ensuring compliance with the new regulations [9]. - Banks emphasize that no service fees will be charged for processing these subsidies and warn customers against potential scams [9].

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration have issued a policy implementation plan for personal consumption loan interest subsidies, aimed at stimulating consumer spending in key sectors. Summary by Relevant Sections Support Scope - The subsidy policy applies to personal consumption loans under two categories: loans below 50,000 yuan and loans of 50,000 yuan or more in key areas such as home appliances, automotive, healthcare, and education [2]. Loan Issuing Institutions - The policy includes six major state-owned commercial banks and twelve nationwide joint-stock commercial banks, along with five other personal consumption loan issuing institutions [4]. Subsidy Standards - The annual subsidy rate is set at 1% of the actual loan principal used for consumption, capped at 50% of the loan contract interest rate. The central and provincial finances will cover 90% and 10% of the subsidy funds, respectively [6][7]. Key Areas for Subsidy - The key areas eligible for subsidies for loans of 50,000 yuan or more include: - Automotive: vehicle purchase, insurance, and maintenance [9] - Elderly care and childbirth: services for elderly home modifications and childcare [9] - Education and training: qualification training and continuing education [10] - Cultural tourism: domestic travel services through qualified agencies [11] - Home improvement: renovation and household appliances [12] - Electronics: purchase of mobile phones, tablets, and computers [13] - Healthcare: dental correction and health management [14] Implementation Process - For existing loans, lending institutions can obtain borrower authorization through supplementary agreements to calculate the subsidy amount based on actual consumption. Borrowers will be informed of the subsidy details via SMS or mobile apps [17]. Example of Subsidy Impact - A consumer using a personal consumption loan of 200,000 yuan for home renovation at a 3% interest rate would save up to 2,000 yuan in interest payments due to the 1% subsidy, effectively reducing their interest burden by one-third [17].

转自：新华财经 对于金融业而言，支持外贸促稳提质是服务高质量发展的应有之义，兴业银行乌鲁木齐分行全力支持外 贸企业开拓市场、强化金融信贷扶持、全面提升贸易便利化水平，以高质量的跨境金融综合服务效能为 实体经济和国内国际双循环新发展格局注入金融活水。 数字赋能 助力外贸企业融资及汇率避险 兴业银行乌鲁木齐分行以科技赋能持续助力中小微外贸企业开展融资及汇率风险管理，多维度支持小微 企业"走出去"，让金融活水"活"力全开，普惠万千企业。 该行辖内一家出口型小微外贸企业，主营业务为出口干果，结算方式以电汇为主，年出口额近200万美 元，贸易账期较短，对资金周转速度要求较高，同时需通过远期结汇锁定汇率风险。 但由于企业是轻资产运营，无抵押物，尚无银行授信，资金主要用于补充流动性及支付货款等方面，没 有多余的资金缴纳锁汇保证金，也无法通过传统授信获得银行融资。 了解到客户情况，该行工作人员主动向客户介绍了"小微企业跨境融资+远期结汇"产品，并引导企业通 过线上平台提交申请。企业随即在线提出融资申请，并成功通过系统自动审批获得贷款额度及汇率避险 专项额度。 额度获批后，不仅有效解决了企业短期资金需求，还助力企业实现锁汇零成 ...

本文转载自每日经济新闻 值班编辑 | 江江 视觉 | 顾芗 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》，明确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。 全文如下： 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 各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财政局，中国人民银行上海总 部，各省、自治区、直辖市及计划单列市分行，金融监管总局各监管局，有关金融机构： （三）贷款经办机构。一是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 为贯彻落实党中央、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，我们研究制定了《个 人消费贷款财政贴息政策实施方案》，现印发给你们，请遵照执行。 财政部 中国人民银行 金融监管总局 2025年8月4日 个人消费贷 ...

未来，兴业银行天津分行将持续聚焦实体经济融资需求，深化金融科技与业务场景的融合创新，不断丰 富线上化、自动化金融产品服务体系，以更优质、高效的金融服务助力企业发展，为区域经济高质量发 展贡献金融力量。 近期，兴业银行天津分行成功办理系统内首笔在线国内信用证买方代理交单及福费廷业务，通过数字化 金融服务模式，为企业构建了高效便捷的贸易融资新路径，标志着天津分行在贸易金融数字化转型领域 实现重要突破。 该业务以全流程线上化、操作便捷、融资效率高为核心优势，大幅缩短了企业单据处理与融资到账时 间，有效降低了企业运营成本，成为天津分行服务实体经济、优化贸易金融服务的关键抓手。依托先进 的线上金融平台，兴业银行天津分行进一步拓宽了贸易融资服务场景，精准满足了企业在供应链环节的 资金需求，为产业链稳定注入金融动能。通过对企业需求的精准把握和总分行的高效协同，该项目从系 统客户推介至业务成功落地仅用3天，充分展现了金融服务的"加速度"。 ...

在云南云澳达坚果开发集团有限公司位于临沧的坚果1号庄园中，一片片郁郁葱葱的夏威夷果林即 将迎来丰收季。作为中国夏果产业的龙头企业，该公司近日获得了兴业银行股份有限公司昆明分行（以 下简称"兴业银行昆明分行"）800万元额度的"技术流"专项贷款，其中300万元将优先用于支付合作农户 的原料款项，标志着兴业银行以创新信贷模式精准滴灌高原特色农业取得最新成果。 近年来，云澳达正加速从原料供应商向品牌运营商转型。其"夏果妈妈"品牌产品已开发出咖啡、牛 肝菌等10个创新口味，在电商平台创下5000万元销售额。兴业银行的资金注入，将助力企业完成从B端 到C端的关键跃升。 "我们看重的不仅是财务报表，更是企业持续数十年的技术沉淀。"该负责人介绍，云南云澳达坚果 开发集团有限公司团队创新矮化密植技术，不断提升云南夏果单产，其种植基地获评"全国林业标准化 示范单位"，公司获评国家林业标准化示范企业、国家级高新技术企业、省级专精特新企业。这种将技 术优势转化为授信依据的评估体系，正是"技术流"贷款的核心创新。 该公司财务总监李超介绍："300万元贷款将直接支付给专业合作社，这种资金直达产地的灵活性， 将有效确保有机种植标准不打折 ...

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 13.83 | -0.43% | 79.04万 | 10.98亿 | | 000001 | 平安银行 | 12.26 | -0.57% | 111.98万 | 13.77 亿 | | 601916 | 浙商银行 | 3.37 | -0.59% | 186.68万 | 6.31亿 | | 600015 | 华夏银行 | 7.98 | -0.62% | - 33.84万 | 2.71亿 | | 601166 | 兴业银行 | 22.80 | -0.83% | 61.34万 | 14.08亿 | | 600036 | 招商银行 | 43.54 | -1.05% | 87.67万 | 38.37亿 | | 601998 | 中信银行 | 8.25 | -1.20% | 44.80万 | 3.72亿 | | 601818 | 光大银行 | 4.04 | -1.46% | 220.78万 | 26668 | | 600016 | ...

兄弟姐妹们啊，今天的市场太牛了！中国资产全线暴涨，上证指数负责慢，创业板跟港股负责牛！ 券商股集体走强，国盛金控涨停。 | mt | 代码 | 名称 | | 涨幅% | 现价 | | --- | --- | --- | --- | --- | --- | | | 002939 | 长城证券 | R | 10.06 | 9.96 | | | 002670 | 国盛金控 | R | 86'6 | 19.51 | | | 801 222 | 东吴证券 | R | 7.38 | 10.33 | | | 601696 | 中银证券 | R | 6.32 | 16.31 | | | 002926 | 华西证券 | R | 3.91 | 10.37 | | | 601 456 | 国联民生 | R | 3.29 | 11.61 | | | 601688 | 华泰证券 | R | 3.18 | 21.12 | | | 601377 | 兴业证券 | R | 3.17 | 6.84 | | | 000783 | 长江证券 | R | 2.86 | 7.92 | | | 601162 | 天风证券 | R | 2.59 | 5. ...

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have jointly established the "Implementation Plan for Fiscal Subsidies on Personal Consumption Loans," prompting major state-owned banks to announce their participation in the subsidy program starting September 1, 2025 [1][2][8]. Group 1: Major Banks' Announcements - Agricultural Bank of China announced it will implement subsidies for eligible personal consumption loans starting September 1, 2025, following market-oriented and legal principles [2]. - Postal Savings Bank is actively organizing the implementation of the fiscal subsidy policy for personal consumption loans and service industry loans [3]. - Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Bank of Communications have also announced their participation in the subsidy program [5]. - China Construction Bank confirmed it will begin providing subsidies for eligible customers starting September 1, 2025 [11]. - Bank of China stated it will fully implement the subsidy policy to ensure benefits reach consumers and stimulate consumption [8]. - China Merchants Bank, Guangfa Bank, and Industrial Bank have also issued announcements regarding the implementation of the subsidy for eligible loans [16][19]. Group 2: Implementation Details - The subsidy program is designed to lower the cost of consumer credit and stimulate domestic demand, aligning with national economic policies [18][19]. - The implementation will follow market-oriented and legal principles, with banks optimizing processes and simplifying procedures for customers [18][19]. - The loan processing institutions include six major state-owned commercial banks, twelve national joint-stock banks, and five other personal consumption loan issuing institutions [21].

Group 1 - The scope of interest subsidies for personal consumption loans includes single loans below 50,000 yuan and those above 50,000 yuan in key areas such as home automobiles, elderly care, education, cultural tourism, home decoration, electronics, and healthcare [1] - For single consumption amounts above 50,000 yuan, the interest subsidy is capped at the consumption amount of 50,000 yuan [1] Group 2 - The interest subsidy standard is set at an annual rate of 1%, calculated on the actual principal used for eligible personal consumption loans, with a maximum not exceeding 50% of the loan contract interest rate [3] - During the policy execution period, the total interest subsidy limit for each borrower at one lending institution is 3,000 yuan (corresponding to a cumulative consumption amount of 300,000 yuan), with a limit of 1,000 yuan for loans below 50,000 yuan [3] Group 3 - The lending institutions include six major state-owned commercial banks: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Postal Savings Bank [4] - Additionally, there are twelve national joint-stock commercial banks such as CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, and others [5] - Other personal consumption loan issuing institutions include Shenzhen Qianhai WeBank, Chongqing Ant Consumer Finance, and several others [6]