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 ...

Core Points - The Ministry of Finance, People's Bank of China, and National Financial Regulatory Administration issued the "Implementation Plan for Fiscal Subsidy Policy on Personal Consumption Loans" [1] - The policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to enjoy interest subsidies on personal consumption loans used for specific categories of consumption [1] - The subsidy covers loans under 50,000 yuan for general consumption and loans of 50,000 yuan or more for key areas such as automobiles, education, and healthcare [1] Group 1: Implementation Details - The policy aims to stimulate consumption and reduce the cost of consumer credit for residents [2][3] - Agricultural Bank, Bank of China, China Construction Bank, Zhejiang Commercial Bank, and Guangfa Bank have announced their commitment to implement the subsidy policy starting September 1, 2025 [1][2][6] - Each bank will follow market-oriented and legal principles in executing the subsidy program [2][3][6] Group 2: Communication and Consumer Guidance - Banks will provide further details on the implementation process, including channels and operational guidelines, through their official websites and social media [10] - All participating banks have confirmed that they will not charge any fees for processing the personal consumption loan subsidy [10]

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》。 重点来啦↓↓ 来源 | 央视新闻 编辑 | 任明皓 校对 | 叶尚昕 审核 | 李宗君 终审 | 苏小琳 贴息标准 广东阳江发布编辑部出品 小布精选 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。 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、渤海银行股份有限公司。 5家其他个人消费贷款发放机构，包 ...

Core Viewpoint - The financial industry is entering a new phase characterized by challenges and opportunities, with a focus on enhancing consumer spending to drive economic growth and transition from a production-driven to a consumption-driven economy [1] Group 1: Financial Support and Consumer Spending - The establishment of a 500 billion yuan re-loan for service consumption and elderly care is likened to a "financial spring rain," directing low-cost funds to sectors like culture, tourism, and sports through a 100% principal re-loan mechanism [2][3] - China Construction Bank's "Jianhang Life" platform has introduced a five-year interest-free installment plan, increasing consumer car budgets from 200,000 yuan to 300,000 yuan, resulting in a 71.2% month-on-month increase in domestic electric vehicle sales [2][3] - Minsheng Bank has raised the personal consumption loan limit to 500,000 yuan with a seven-year repayment term, significantly easing residents' debt repayment pressure [3] Group 2: Policy and Structural Changes - The financial policy's structural guidance aims to create a dynamic balance between releasing consumer potential and enhancing high-quality supply [3] - In Chongqing, financial institutions have implemented "four actions" to achieve precise supply-demand matching, such as collaborating with Zhengzhou Wanda to create "financial + scene" themed consumption spaces, increasing merchant foot traffic by 30% and extending consumer dwell time by 45% [4] Group 3: Impact of AI on Consumer Finance - The deep integration of artificial intelligence is reshaping the value chain of consumer finance, enhancing efficiency and extending consumption scenarios into immersive experiences [5][6] - Ping An Group has utilized large models to create user profiles, reducing customer acquisition costs by 35%, while its anti-fraud system intercepted 3.42 billion yuan in fraudulent claims, marking a 14% year-on-year increase [6] - The "Silk Road e-loan" by Xinjiang Bank has achieved over 2.8 billion yuan in cumulative credit, serving more than 8,600 farmers through digital risk control models and on-site due diligence [6] Group 4: Systemic Transformation in Finance and Consumption - The interplay between finance and consumption has evolved beyond mere capital supply, becoming a systemic transformation involving policy design, industrial upgrades, and technological revolutions [6] - This transformation has not only released suppressed consumer demand but also driven the supply side towards high-quality upgrades, evidenced by the explosive growth of domestic electric vehicles and comprehensive upgrades in tourism and scenic areas [6]

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 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].

建设银行提示，该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。具体事宜将及时在建设银行官 方网站、微信公众号、网点等渠道发布，敬请留意。 8月13日，建设银行（601939）发布关于个人消费贷款财政贴息工作的公告。公告内容显示，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，建设银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），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。 ...

Core Points - The incident involved a customer, Cheng, who reported unauthorized deductions from his account totaling 231.6 yuan due to a misleading link related to "YeePay Insurance" [1] - The bank staff acted promptly, resolving the issue within 18 hours and ensuring the customer received a full refund [2] - The bank emphasized its commitment to customer rights and plans to enhance emergency service mechanisms and staff training to combat new forms of online fraud [2] Summary by Sections Customer Incident - Cheng experienced unauthorized deductions from his account after clicking a suspicious link [1] - The deductions were made by an insurance institution associated with YeePay, which Cheng claimed he did not authorize [1] Bank Response - Bank staff provided immediate assistance, calming the customer and retrieving transaction records [1] - They contacted the insurance institution's customer service on behalf of Cheng, emphasizing the unauthorized nature of the deductions [1] Outcome and Future Plans - The bank successfully facilitated a refund of 231.6 yuan to Cheng's account within 24 hours [2] - The bank plans to improve its emergency response services and enhance employee training on handling online fraud [2]

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 ...

面对这样的情况，工作人员没有丝毫的不耐烦。他特意凑近老人，提高音量却又不失温和地为老人解释 每一个步骤，生怕老人听不清、弄不懂。为了让老人更直观地了解信息，他还贴心地拿来纸和笔，把业 务办理中的重要信息一一写下来给老人看。在办理业务的过程中，柜员小温也始终保持着十足的耐心， 每操作一步，都会停下来向老人仔细确认，确保老人清楚明白每一个环节。 在建行临沂西城支行，每天都在上演着普通却饱含温情的故事。这些故事里，有对老年客户细致入微的 关怀，有急客户之所急的全力以赴，它们如同一束束微光，汇聚成银行服务的温暖力量，照亮客户的心 间。 近日，一位步履蹒跚的老人缓缓走进网点。大堂经理立刻敏锐地察觉到老人的行动不便，快步迎上前 去，小心翼翼地搀扶着老人来到休息区，轻声询问老人的需求。原来，老人是来办理定期存款转存业 务，但对业务流程不太熟悉，加上听力有些下降，交流起来有些困难。 业务办理结束后，大堂经理再次搀扶着老人，缓缓走出网点，并反复叮嘱老人路上注意安全。老人满怀 感激，虽然言语表达不太清晰，但那紧紧握住工作人员的双手和眼中流露的笑意，传递着深深的谢意。 在建行临沂西城支行，这样的故事还有很多。每一位员工都深知，客户 ...