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： 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。 转自：成都日报锦观 六大行集体公告 落实个人消费贷款最新财政贴息政策 据央视财经 ...

Core Insights - Gold prices have been on the rise since 2025, leading to a surge in demand for gold-linked structured deposit products from various banks, with some products offering annualized returns as high as 8% [1] Group 1: Product Offerings - Multiple banks have launched gold-linked structured deposit products, with variations in minimum investment, duration, and yield, resulting in some popular products being sold out [1] - China Bank introduced a product with a minimum investment of 10,000 yuan and a term of 87 days, offering an annualized yield ranging from 0.2% to 5.2% [2] - Other banks, such as the Bank of Communications and Minsheng Bank, have also released competitive products with varying yields and investment thresholds [2] Group 2: Market Trends - As of December 2025, the balance of structured deposits in Chinese banks reached 4.25 trillion yuan, marking a year-on-year growth of 6.01%, with unit structured deposits accounting for 69.49% of the total [3] - The trend of companies investing in structured deposits has increased, with numerous A-share companies announcing investments in gold-linked products [3] Group 3: Investment Appeal - The popularity of structured deposits is attributed to their dual advantages of capital protection and higher returns compared to traditional savings, especially in a low-interest-rate environment [4] - The rising gold prices, driven by its safe-haven and anti-inflation properties, have made gold-linked structured deposits attractive for investors seeking to capitalize on market gains [5]

招联首席研究员董希淼在接受记者采访时表示，三、四线城市和县域消费是我国消费市场的重要增长 点。此次政策优化后，将引导和激励中小金融机构加快落实个人消费贷款贴息政策，进一步支持居民扩 大消费，提升消费意愿和消费能力。 记者注意到，上述发布相关公告的银行中就有不少县域金融机构的身影。例如，长兴农商行1月22日在 微信公众号发布海报，内容为"长兴农商银行个人消费贷款贴息政策来了"。同日，嘉善农商行、海宁农 商行公告称，将对符合条件的个人消费贷款及信用卡账单分期客户提供财政贴息支持。 此外，中国银行、交通银行等部分银行表示，为最大程度便利客户，已完成贴息申请的贷款无需重新签 署贴息协议，2026年1月1日起发生的消费交易，将自动适用最新财政贴息政策。 建设银行等部分银行表示，个人消费贷款客户未能被系统自动识别的消费交易，客户可在手机银行上传 发票等消费凭证申请人工识别。 值得一提的是，此次政策还增加了个人消费贷款财政贴息的经办机构。各省级财政部门会同当地相关部 门制定属地个人消费贷款贴息政策，将监管评级在3A及以上的城市商业银行、农村合作金融机构、外 资银行、消费金融公司、汽车金融公司等纳入属地贴息政策经办机构范围， ...

多家银行表示，在办理个人消费贷款、信用卡账单分期贴息业务过程中，除贷款利息、分期业务相关息 费外，不收取其他费用。要谨防不法分子以办理贷款贴息为由实施诈骗，保障个人财产和信息安全。 财政部等三部门近日发布通知，优化实施个人消费贷款财政贴息政策。连日来，工商银行、农业银行、 中国银行、建设银行、交通银行、邮储银行等发布公告，落实个人消费贷款财政贴息政策，优化相关服 务。 多家银行表示，此次个人消费贷款财政贴息政策的升级内容包括延长政策期限，将实施期限延长至2026 年底；扩大支持范围，将信用卡账单分期业务纳入支持范围；拓展贴息领域，取消5万元及以上消费领 域限制；提高贴息标准，取消单笔消费贴息金额上限500元的要求，取消每名借款人在同一金融机构可 享受5万元以下消费贴息上限1000元的要求。 多家银行表示，自2026年1月1日起，按照优化后的贴息政策，为符合要求的个人消费贷款客户和信用卡 账单分期客户提供服务。 前期已申请贴息的贷款是否能按最新政策享受贴息？多家银行均表示，为最大程度便利客户，已完成贴 息申请的贷款无需重新签署贴息协议，自2026年1月1日起发生的消费交易，将自动适用最新财政贴息政 策。 与此同 ...

Core Viewpoint - Major Chinese banks have collectively announced the optimization of personal consumption loan fiscal subsidy policies, extending the implementation period and expanding the support scope for consumers [1][2]. Group 1: Policy Extensions - The implementation period for the personal consumption loan fiscal subsidy policy has been extended to December 31, 2026 [2]. - Loans signed under the previous fiscal subsidy service agreement will automatically apply the latest subsidy policy for consumption occurring after January 1, 2026, without the need for re-signing agreements [1]. Group 2: Expanded Support - The support scope has been expanded to include credit card bill installment services [2]. - Restrictions on single transactions of 50,000 yuan and above have been removed, allowing for broader access to subsidies [2]. Group 3: Enhanced Subsidy Standards - The subsidy standard has been improved by removing the cap of 500 yuan on single transaction subsidies [2]. - The previous limit of 1,000 yuan on cumulative subsidies for each borrower at a single institution for transactions below 50,000 yuan has also been eliminated [2].

"信用卡也可以享受贴息了！"近日，不仅个人消费贷款贴息政策期限延长了，信用卡账单分期同样被纳入贴息范围中。 对于不会特意申请某款消费贷产品、更多通过信用卡预支一定金额消费的群体来说，这次的优化政策将使信用卡分期成为他们的首选。 多家经办银行已在各渠道发布公告，详细介绍有关个人消费贷款贴息服务的具体细节，并就"如何申请信用卡账单分期贴息"问题作出解 答。 贴息标准提高、期限延长 中国工商银行 在《个人消费贷款财政贴息服务协议》中详细列明了贴息范围——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；教育培训领域包括资格证书 培训考试、高等学历继续教育等；文化旅游领域支持消费者通过具备资质的旅行机构购买国内旅游出行服务；家居家装领域包括家庭装 修、家用电器、厨卫用品、家具等；电子产品领域包括购买手机、平板、个人电脑、智能穿戴设备等；健康医疗领域包括牙齿矫治、视力 矫正、健康管理等。 中国建设银行 则专门开设了"消费金融专项行动专区"，此前曾推出"超值权益与贴心好礼"发放活动，包括"支用金额达标可得25元礼 券"等。 ...

Core Viewpoint - The article discusses the implementation of the latest fiscal interest subsidy policy for personal consumption loans by six major state-owned banks in China, following the announcement by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau [2]. Group 1: Policy Optimization - The Industrial and Commercial Bank of China (ICBC) outlines four main areas of optimization for the subsidy policy: extending the policy period to the end of 2026, including credit card installment payments in the support scope, removing the restriction on consumption fields above 50,000 yuan, and raising the subsidy standards by eliminating the 500 yuan cap on single transaction subsidies and the 1,000 yuan cap for individual borrowers at the same financial institution [4]. Group 2: Implementation Details - China Construction Bank states that customers must sign a service agreement to enjoy the fiscal subsidy, allowing the bank to access transaction information to identify eligible consumption transactions. The subsidy amount will be automatically deducted from the interest due on the loan during repayment. If transactions are not automatically recognized, customers can submit receipts for manual verification [5]. - Bank of China mentions that loans already approved for subsidies will not require a new agreement, and transactions from January 1, 2026, will automatically apply the new subsidy policy [5]. - Agricultural Bank of China warns that fraudulent activities related to subsidy claims will not be subsidized, and any previously granted subsidies may be deducted or reclaimed [5]. - The Bank of Communications emphasizes adherence to market-oriented and legal principles for eligible loans and credit card installments, with violations affecting credit records and subject to legal consequences [6]. - Postal Savings Bank clarifies that no additional fees will be charged for personal consumption loans beyond the agreed interest, and any fees collected under false pretenses are considered fraud [6].

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 benefits and expanding its scope to support consumer spending [1] Summary by Relevant Sections Policy Implementation - The personal consumption loan subsidy policy will be extended until December 31, 2026 [1] - The scope of support has been expanded to include credit card bill installment services [1] 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 previous cap of 500 yuan on single transaction subsidies and the cumulative limit of 1,000 yuan for each borrower at a single institution for transactions below 50,000 yuan [1] 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 for re-signing the agreement [1]

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]