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 ...

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 ...

Core Viewpoint - The Ministry of Finance and other departments have jointly issued a loan interest subsidy policy to stimulate consumption and expand domestic demand, targeting personal consumption loans and loans for service industry entities [1][5]. Group 1: Subsidy Policy for Service Industry - The "Subsidy Policy for Service Industry Entities" specifies that loans issued to eight categories of service industry entities, including catering, health, and tourism, will receive interest subsidies [2][3]. - The subsidy period is limited to one year, with an annual subsidy rate of 1% on the principal amount of the loan [2][3]. - The central and provincial finances will bear 90% and 10% of the subsidy costs, respectively, with a maximum loan amount of 1 million yuan per entity [3]. Group 2: Subsidy Policy for Personal Consumption Loans - The "Personal Consumption Loan Subsidy Policy" allows residents to receive interest subsidies on personal consumption loans used for specific categories, including household appliances and education, from September 1, 2025, to August 31, 2026 [4]. - The annual subsidy rate is also set at 1%, with a maximum cumulative subsidy of 3,000 yuan per borrower, corresponding to eligible consumption of 300,000 yuan [4]. - For loans under 50,000 yuan, the cumulative subsidy limit is 1,000 yuan, and the maximum subsidy cannot exceed 50% of the loan contract interest rate [4]. Group 3: Impact on Consumption and Economic Growth - The subsidy policies are seen as innovative measures to boost consumer confidence and expectations, thereby promoting high-quality economic development [5][6]. - The policies aim to lower the cost of consumer credit for residents and reduce financing costs for service industry entities, encouraging sustained production and service quality [5][6]. - The implementation of these policies is expected to stimulate effective financing demand from both consumers and service providers, enhancing the overall loan issuance by commercial banks [5][6]. Group 4: Bank Responses - Major banks, including Industrial and Commercial Bank of China and Bank of China, have quickly responded to the subsidy policies, working to implement them effectively [6][7]. - Agricultural Bank of China announced its commitment to reduce consumer credit costs and ensure the benefits of the policy reach consumers starting September 1 [7]. - Other banks, such as Postal Savings Bank and Shanghai Pudong Development Bank, have also issued announcements to facilitate the implementation of the subsidy policies [8][11]. Group 5: Future Recommendations - It is recommended to strengthen the coordination between monetary and fiscal policies, and to enhance the synergy between the subsidy policies and existing consumer support measures to maximize their effectiveness [21].

【 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 Points - The Chinese government has implemented two loan interest subsidy policies aimed at boosting consumer spending and supporting service industry operators [1][9] - The policies are designed to lower credit costs for residents and financing costs for service industry operators, thereby stimulating consumption and enhancing market vitality [2][10] Summary of Implementation Plans Implementation Plan for Service Industry Loans - The subsidy policy covers eight categories of service industry operators, including catering, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [3] - Loans must be issued between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and enhance service supply capabilities [4] - The annual subsidy rate is set at 1%, with a maximum loan amount of 1 million yuan per entity, and the central and provincial governments will share the subsidy costs [4][5] Implementation Plan for Personal Consumption Loans - The subsidy applies to personal consumption loans issued from September 1, 2025, to August 31, 2026, for identifiable consumption transactions [7] - The subsidy covers single transactions below 50,000 yuan and significant expenditures in key areas such as automobiles, education, and healthcare [7] - The annual subsidy rate is also 1%, with a cumulative cap of 3,000 yuan per borrower, and a maximum of 1,000 yuan for loans below 50,000 yuan [7][8] Bank Participation - A total of 21 banks, including 3 policy banks, 6 state-owned banks, and 12 joint-stock banks, are authorized to process these loans [5] - Major banks have expressed commitment to implementing the subsidy policies effectively, aiming to streamline processes and enhance service delivery [10][11] Future Outlook - Experts anticipate that the subsidy policies may be optimized based on their implementation outcomes, potentially adjusting subsidy rates and coverage [12] - There is a call for better coordination between monetary and fiscal policies to maximize the effectiveness of these subsidy measures [12]

Core Viewpoint - The article discusses the implementation of two loan interest subsidy policies aimed at boosting consumer spending and supporting service industry financing, with specific details on eligibility, subsidy limits, and participating banks [2][4][12]. Summary by Sections Personal Consumption Loan Subsidy Policy - The personal consumption loan subsidy policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to enjoy interest subsidies on loans used for identifiable consumption transactions [3][10]. - The subsidy covers single loans below 50,000 yuan and loans for key consumption areas such as home appliances, health care, and education, with a maximum subsidy limit of 3,000 yuan per borrower [4][10]. - The annual subsidy rate is set at 1%, not exceeding 50% of the loan contract interest rate, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [4][11]. Service Industry Loan Subsidy Policy - The service industry loan subsidy policy supports loans to eight categories of service sectors, including hospitality, health, and tourism, with a maximum loan amount of 1 million yuan per entity [2][6]. - The subsidy period is capped at one year, with a 1% annual subsidy rate, and the central and provincial finances will also share the subsidy costs [6][8]. - The policy aims to enhance consumption infrastructure and service capabilities, thereby stimulating economic growth and market vitality [4][12]. Implementation and Compliance - The article emphasizes the importance of compliance and monitoring, prohibiting misuse of funds and ensuring that subsidies are used for their intended purposes [7][11]. - A list of eligible banks for processing these loans includes major state-owned and joint-stock banks, ensuring broad access to the subsidy [6][11]. - The article notes that financial institutions are expected to streamline application processes and enhance efficiency in implementing these policies [13][14]. Future Outlook - Experts anticipate that the subsidy policies may be optimized based on their implementation outcomes, potentially adjusting subsidy rates and expanding coverage [15].

21世纪经济报道记者唐婧 北京报道 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 ...

同时，财政部、中国人民银行等九部门印发《服务业经营主体贷款贴息政策实施方案》，指定21家全国 性银行为中央财政贴息的服务业经营主体贷款经办银行，以支持服务业发展并缓解融资压力。 今日，财政部、中国人民银行、金融监管总局联合发布关于印发《个人消费贷款财政贴息政策实施方 案》的显示，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。 8月12日，邮储银行发布关于个人消费贷款与服务业经营主体贷款财政贴息工作的公告。 邮储银行在公告中表示，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，该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。该行将认真贯彻落实《关于印发 <个人 ...

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》。 家用汽车领域，包括汽车购置、车辆保险及维修。 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。 支持范围 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 贷款经办机构 贴息标准 个人消费贷款财政贴息重点领域 （适用单笔5万元及以上消费） 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。 12家全国性股份制商业银行，包括中信银行股份有限公司、中国光大银行股份有限公司、华夏银行股份有限公司、中国民生银行股份有 限公司、招商银行股份有限公司、兴业银行股份有限公司、广发银行股份有限公司、平安银行股份有限公司、上海浦东发展银行股份有 限公司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股 ...