Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have jointly developed the "Implementation Plan for Fiscal Subsidies on Personal Consumption Loans," which has prompted major state-owned banks to announce their participation in the subsidy program starting September 1, 2025 [1][2][3]. Group 1: Major Banks' Responses - Agricultural Bank of China announced it will implement fiscal 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 fiscal subsidy program [5]. - China Construction Bank confirmed it will strictly execute the subsidy policy starting September 1, 2025, for eligible customers [11]. - Bank of Communications stated it will comply with the fiscal subsidy policy for personal consumption loans and service industry loans [13]. Group 2: Other Banks' Announcements - Several joint-stock banks, including China Merchants Bank, Guangfa Bank, and Industrial Bank, have also issued announcements regarding the implementation of fiscal subsidies for eligible loans [15]. - China Merchants Bank emphasized its commitment to reducing consumer credit costs and enhancing consumer potential through the subsidy program [17]. - Guangfa Bank reiterated its adherence to the subsidy policy and plans to implement it starting September 1, 2025 [18]. Group 3: Loan Issuing Institutions - The loan issuing institutions include six major state-owned commercial banks, twelve national joint-stock banks, and five other personal consumption loan issuing institutions [20].

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。 关于个人消费贷贴息，六大行发布公告，原文如下： 中国工商银行关于个人消费贷款与服务业经营主体贷款贴息工作的公告 尊敬的中国工商银行客户： 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，我行依据《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)精神和相关 要求，正在依法依规、积极有序推进财政贴息工作。 我行办理上述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。具体办理渠道、操作指引等实施细则后续将通过中 国工商银行官网、营业网点、官方微信公众号等渠道公布，敬 ...

将依法合规开展个人消费贷款贴息相关工作，办理个人消费贷款贴息不收取任何服务费用。 财政部、中国人民银行、金融监管总局日前印发《个人消费贷款财政贴息政策实施方案》。其中提到，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、扩大支持范围。 截至发稿，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有行均发布公告称，将积极响应并严格 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》，依法合规开展个人消费贷款贴息相关工作。 郑重提示: 在办理个人消费贷款贴息业务过程中,我行不收取任何费用。为最 大眼度保障您的财产和信息安全，防范不法分子以办理个人消费贷款贴息为由实施 诈骗活动，切勿轻信 ...

Group 1 - The policy provides interest subsidies for personal consumption loans of 50,000 yuan and above in key areas such as home automotive, elderly care, education, cultural tourism, home decoration, electronic products, and healthcare [1][3]. - The subsidy rate is set at 1% per annum, covering up to 50% of the loan contract interest rate, with the central and provincial finances bearing 90% and 10% of the subsidy costs respectively [4]. - Each borrower can receive a maximum subsidy of 3,000 yuan for total personal consumption loans of up to 300,000 yuan, with a specific cap of 1,000 yuan for loans below 50,000 yuan [4]. Group 2 - The policy aims to stimulate consumer spending in various sectors by providing financial support through interest subsidies [3]. - The implementation of the policy may be extended or expanded based on its effectiveness after the initial period [3]. - The program includes a wide range of financial institutions, including six major state-owned banks and twelve national joint-stock commercial banks, as well as other consumer loan providers [4].

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 ...

2025年8月12日，中国邮政储蓄银行发布公告称，为深入贯彻党中央、国务院决策部署，降低居民消费 信贷成本，更好激发消费潜力、提升市场活力，中国邮政储蓄银行正积极组织开展个人消费贷款与服务 业经营主体贷款贴息政策落地实施工作，扎实推动政策传导落地。中国邮政储蓄银行将认真贯彻落实 《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）、《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，全力确保国家政 策红利及时、便捷、高效地惠及广大消费者，为提振消费信心、释放内需潜能、服务经济高质量发展贡 献邮储力量。相关事宜将及时在中国邮政储蓄银行官方网站、微信公众号等渠道发布，敬请留意。 ...

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].

8月12日，沪深两融数据显示，邮储银行获融资买入额0.71亿元，居两市第298位，当日融资偿还额0.74 亿元，净卖出300.13万元。 融券方面，当日融券卖出9.65万股，净买入3.44万股。 本文源自：金融界 作者：智投君 最近三个交易日，8日-12日，邮储银行分别获融资买入0.68亿元、0.77亿元、0.71亿元。 ...

Core Viewpoint - The article highlights the role of Postal Savings Bank in promoting green finance initiatives across various regions, showcasing innovative financial products aimed at supporting ecological protection and sustainable development [2][3][4][5]. Group 1: Green Finance Initiatives - Postal Savings Bank's Dongtai branch issued a "Wetland Biodiversity Protection Carbon Credit Loan," utilizing carbon credit rights as collateral to address financing challenges in biodiversity protection [2]. - The bank's Guangxi branch introduced an "ESG Loan + Insurance" model, providing customized financing solutions for non-ferrous metal companies to reduce their financing costs [3]. - As of June 2023, Postal Savings Bank's green loan balance exceeded 950 billion yuan, reflecting an 11.59% increase from the previous year [3]. Group 2: Product Innovation and Support - The bank has developed various green financial products to alleviate issues related to collateral and high financing costs for green projects, promoting a win-win scenario for economic and ecological benefits [3]. - Postal Savings Bank's Tianjin branch supported a distributed wind power project that is expected to save over 10,000 tons of standard coal annually [5]. - The bank's green bond investments surpassed 30 billion yuan, with ESG-themed financial products reaching nearly 6 billion yuan, indicating a comprehensive green finance service system [5]. Group 3: Commitment to Sustainable Development - The bank is committed to integrating sustainable development principles into its strategic framework, governance structure, corporate culture, and business processes [4]. - In 2024, 27 branches of Postal Savings Bank were recognized as model green branches, promoting green finance concepts to the public through various initiatives [4].

继国务院常务会议部署实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策之后，两项贷款贴息 政策的细则正式明确。 据财政部消息，财政部等九部门印发《服务业经营主体贷款贴息政策实施方案》（以下简称《实施方案 一》），对服务业经营主体贷款贴息政策的支持范围、贴息标准、贷款经办银行、贷款流程、贴息流程 和监督管理等进行了明确。 根据《实施方案一》，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 业经营主体满足条件的贷款可享受贴息政策，贴息期限不超过1年，年贴息比例为1个百分点，单户享受 贴息的贷款规模最高可达100万元。经办银行方面，《实施方案一》也明确了名单，包括3家政策性银 行、6家国有行和12家股份行。 据财政部同日消息，财政部等三部门印发《个人消费贷款财政贴息政策实施方案》（以下简称《实施方 案二》），对个人消费贷款财政贴息政策的支持范围、贴息标准、贷款经办银行、组织实施和监督管理 等进行了明确。 根据《实施方案二》，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）中实际用于消费且可识别相关消费交易信息的，可按规定享受贴息政 ...