成都90后上班族林薇的手机银行APP突然弹出一条通知："您申请的5万元购车贷款已享受财政贴息，年利率直降1%"，她反复确认了三遍才确信 这不是系统错误。 8月12日，财政部官网悄然挂出的一份文件点燃了消费市场。这份由财政部、中国人民银行和金融监管总局联合印发的《个人消费贷款财政贴息政策实施方 案》宣告：9月1日起，居民在23家指定金融机构办理消费贷款，可获得最高3000元的财政贴息。中央财政将承担90%的补贴资金，政策持续至2026年8月31 日。 在四川某家电卖场，销售经理张涛已经连夜更新了宣传物料："我们把'财政贴息'四个字放大到海报最显眼位置，咨询电话瞬间被打爆。"这场由国家财政直 接补贴居民消费信贷的行动，正从文件走向街头巷尾。 01 政策核心：哪些消费能享受"国补"？ 财政贴息并非"雨露均沾"，而是精准滴灌重点领域。根据实施方案，贴息范围分为两大类别： 单笔5万元以下的日常消费全部纳入支持范围，涵盖衣、食、日用等全方位消费场景。这意味着普通家庭通过消费贷款购买新款手机、家电或安排短途旅 行，利息成本可直接降低1个百分点。 大额消费聚焦七大重点领域：家用汽车、养老生育、教育培训、文化旅游、家居家装、电 ...

Core Viewpoint - The Guangdong Financial Regulatory Bureau has approved the appointment of Chen Baolin as the Vice President of the Guangdong Branch of Agricultural Bank of China, emphasizing compliance with regulatory requirements and ongoing professional development [1] Summary by Sections Appointment Approval - The approval of Chen Baolin's appointment as Vice President of Agricultural Bank of China Guangdong Branch has been officially granted [1] Compliance Requirements - Agricultural Bank of China is required to ensure that the newly approved personnel adhere strictly to the regulations set by the Financial Regulatory Bureau and must report their appointment status within 10 days after taking office [1] Continuous Learning and Risk Awareness - The bank is also tasked with promoting continuous learning and understanding of economic and financial laws among the approved personnel, highlighting the importance of risk compliance and familiarity with job responsibilities [1]

Core Viewpoint - The six major state-owned banks in China have collectively announced their response to the newly implemented personal consumption loan interest subsidy policy, which will take effect from September 1, 2025, with a focus on market-oriented and legal principles [2]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have jointly developed the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" [2]. - Agricultural Bank and Postal Savings Bank were the first to announce their compliance with the new policy, indicating that they will provide interest subsidies for eligible personal consumption loans [2]. Group 2: Participation of Other Banks - Other banks, including several joint-stock banks such as China Merchants Bank, Zheshang Bank, Shanghai Pudong Development Bank, Guangfa Bank, and Industrial Bank, have also begun to issue announcements regarding interest subsidies for qualifying loans [11]. - The implementation of the subsidy policy involves a total of six major state-owned commercial banks and twelve nationwide joint-stock banks, along with five other personal consumption loan issuing institutions [17]. Group 3: Consumer Awareness - Banks have emphasized that they will not charge any fees for processing personal consumption loan interest subsidy applications, urging consumers to be cautious of potential scams related to this service [17]. - There are reports of asset management companies not listed in the official announcement attempting to exploit the situation by promoting personal consumption loan interest subsidies through social media, highlighting the need for consumers to verify the legitimacy of the channels they use [17].

2025年以来，A股银行板块一直保持年初以来的强势，工商银行等国有大行股价更是创下了历史新高。业内观点认为，展望后市，银行个股基本面预期改 善带来估值进一步修复，有望继续保持稳健上涨的态势。 6月25日,A股银行板块继续强势上涨。7月10日，工商银行、农业银行、中国银行、建设银行四大行股价均创出历史新高，助力沪指重回3500点。8月6日， 农业银行以2.11万亿元的流通市值，超过工商银行成为A股新晋"流通市值之王"。截至8月11日收盘，同花顺银行指数年内累计上涨超16%，大幅跑赢主要 股指。 公募基金、险资纷纷进场，加大对银行股的配置规模。数据显示，截至2025年二季度末，公募基金对于银行股的持仓总市值超过2053亿元，环比一季度增 长27%。其中，全市场共有93家基金公司的353只公募基金持有农业银行A股，持股数量为10.37亿股，持股市值达60.97亿元。2024年以来，中国平安、新 华保险等大举建仓银行H股。 银行股价上涨也影响了部分银行的增持计划。 8月8日，成都银行公告称，由于该行股价持续超过原增持计划设定的价格上限，成都市国有资产监督管理委员会及增持主体拟对原增持计划进行合理调整 和变更。 8月1 ...

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 ...

转自：北京日报客户端 为落实党中央、国务院决策部署，进一步支持提振和扩大消费，激发消费潜力，提升市场活力，降低居 民消费信贷成本，我行积极响应并严格执行《关于印发的通知》（财金〔2025〕80号），有序开展个人 消费贷款贴息相关工作。自2025年9月1日起，对符合上述通知要求的客户进行贴息。 我行办理个人消费贷款贴息不收取任何服务费用，没有委托官方渠道以外的任何机构、人员代为办理， 请广大客户谨防各种形式的诈骗，保障财产和信息安全。具体事宜将及时在我行官方网站、微信公众 号、网点等渠道发布，敬请留意。 中国农业银行 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 中国建设银行关于个人消费贷款财政贴息工作的公告 日前 ...

Group 1 - The core viewpoint of the news is the importance of enhancing financial risk awareness and basic financial knowledge among private enterprises to ensure safe and stable operations [1][2] - The event titled "Financial Knowledge Lecture Hall for Private Entrepreneurs" was organized by Agricultural Bank of China Qufu Branch in collaboration with Qufu City Federation of Industry and Commerce, attracting over 50 participants from local private enterprises [1] - The lecture focused on three key financial knowledge areas: anti-fraud measures, understanding deposit insurance, and credit record management [1][2] Group 2 - The first key area discussed was anti-fraud measures, emphasizing the need for enterprises to protect their finances by understanding common fraud tactics and implementing strict verification processes for transactions [1] - The second area covered was the deposit insurance system, explaining the core content of the Deposit Insurance Regulations to enhance confidence in the banking system [2] - The third area focused on credit record management, highlighting the importance of timely repayments, cautious external guarantees, and regular credit report checks to build a solid credit foundation for future development [2] Group 3 - Agricultural Bank of China Qufu Branch plans to continue its collaboration with the Federation of Industry and Commerce, regularly conducting various educational activities to improve financial literacy and risk prevention capabilities among enterprises [2] - The initiative aims to contribute to optimizing the business environment and promoting high-quality development of the local private economy [2]

Core Viewpoint - The article discusses the recent trend of banks in China increasing consumer loan limits and lowering interest rates to stimulate consumption, amidst a competitive financial market and government encouragement for consumer spending [2][8][9]. Group 1: Consumer Loan Products - A new consumer loan product "橙e贷" with a maximum limit of 1 million yuan and an annual interest rate starting at 3% has been launched by a bank, indicating a shift towards consumer lending [1][4]. - Various banks are offering consumer loans with high limits; for instance, China Everbright Bank offers up to 1.5 million yuan, while Agricultural Bank of China has products with limits reaching 1 billion yuan [4][5]. - The trend of increasing loan limits is not limited to one bank; many financial institutions are following suit, with some offering loans in the millions [2][4]. Group 2: Market Dynamics - The competitive landscape among banks has led to a "limit war," where banks are focusing on increasing loan amounts rather than just lowering interest rates [3][9]. - The government has encouraged financial institutions to increase personal consumer loan offerings, which has prompted banks to adjust their products accordingly [8][9]. - The average debt levels among younger consumers, particularly those born in the 1990s, are high, with a significant portion attributed to consumer loans, indicating a strong demand for such financial products [10]. Group 3: Risk Management and Regulatory Concerns - Despite the attractiveness of high-limit consumer loans, obtaining these loans can be challenging due to strict approval processes that consider credit history, income, and other factors [5][6]. - Banks are required to monitor the use of consumer loans closely, as there have been instances of loans being misused for investments in restricted areas, leading to regulatory penalties [11][13]. - The rise in consumer loans has also correlated with an increase in non-performing loans, highlighting the need for banks to enhance their risk management practices [14][15].

Group 1 - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau jointly released a personal consumption loan interest subsidy policy, offering a subsidy of 1% per year, with a maximum of 50% of the loan contract interest rate [1] - The subsidy applies to personal consumption loans under 50,000 yuan and loans for key areas such as home appliances, automobiles, education, and healthcare [1] - The policy aims to boost consumption and is expected to have a positive impact on high-quality consumption development in China [1] Group 2 - Agricultural Bank of China announced it will implement interest subsidies for eligible personal consumption loans starting September 1, 2025, aligning with national fiscal subsidy policies [2] - This initiative is expected to lower borrowing costs for consumers and enhance their willingness to take loans [2] Group 3 - A-share bank stocks experienced a significant rise, with Agricultural Bank of China hitting a historical high, indicating strong investor sentiment towards the banking sector [3] - The rise in bank stocks reflects optimistic market expectations for future growth in the banking industry and the economic benefits from policy implementations [3] - Agricultural Bank's strong performance may be attributed to its proactive stance in policy execution, gaining market confidence [3] Group 4 - Shenzhen Stock Exchange will release indices for AAA-rated state-owned and private enterprise credit bonds on August 15, 2025, enhancing transparency and standardization in the credit bond market [4] - The indices will provide investors with comprehensive options and market insights, particularly beneficial for those with a preference for credit risk [4]

好消息!贷款消费能省一笔利息钱了! 8月12日，财政部等三部门联合印发《个人消费贷款财政贴息政策实施方案》(下称《实施方案》)。该 方案旨在通过财政贴息降低居民消费信贷成本，释放居民消费潜力，促进经济加快向好发展，政策实施 期限为2025年9月1日至2026年8月31日。《实施方案》中明确，年贴息比例为1%(按符合条件的实际用 于消费的个人消费贷款本金计算)，且最高不超过贷款合同利率的50%；每名借款人在一家贷款经办机 构可享受的全部个人消费贷款累计贴息上限为3000元。政策覆盖汽车、养老、旅游、电子产品等重点消 费领域。 政策执行期内，每名借款人在一家贷款经办机构可享受的全部个人消费贷款累计贴息上限为3000元(对 应符合条件的累计消费金额30万元)，其中单笔5万元以下的个人消费贷款累计贴息上限为1000元(对应 符合条件的累计消费金额10万元)。 23家金融机构共同参与 年贴息比例为1个百分点 在贴息范围方面，《实施方案》规定，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识别相关消费交易信息的部分，可享受贴息。 具体涵盖单笔5万元以下消费，以及单笔5万元及 ...