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好消息!新一轮消费补贴要来了
Sou Hu Cai Jing·2025-07-11 09:15

Core Viewpoint - The Jilin Provincial Department of Commerce and the Provincial Department of Finance announced a "Government-Bank-Enterprise" linkage program to promote car purchases through interest subsidies for loans taken by individual consumers for traditional fuel or new energy vehicles from July 15 to August 31, 2025 [3][4]. Subsidy Policy - The subsidy will apply to personal car loans of up to 200,000 yuan, providing a 10% interest subsidy on a five-year loan amount, with a maximum subsidy of 15,000 yuan [3][4]. - Financial institutions will report loan issuance, subsidy details, and performance reports to the provincial departments for fund settlement after the activity ends [3]. Participation Conditions - Financial institutions must be legally established in China, have independent legal status, and have branches in Jilin Province [4]. - Institutions should design exclusive products leveraging customer resources, simplify approval processes, and reduce total fees by over 1% for five-year products [4]. - They must have at least one year of experience in auto financing, with a monthly average loan issuance of no less than 200 million yuan over the last six months [4]. - Institutions should maintain a non-performing loan ratio of auto finance assets not exceeding 0.1% in their latest financial report [5]. - A stable partnership with local car sales enterprises is required, ensuring a diverse selection of vehicles for consumers [4][5]. Application Materials - Institutions must submit an application letter detailing their basic information, intent, and contact details [7]. - Required documents include proof of qualifications, audited financial reports for the last three years, and a report on auto finance business operations [9][10]. - A description of the service network and team, along with a proposed information system integration plan, must also be provided [10]. Recruitment Process - Application materials must be submitted in physical form and a scanned PDF version by July 14, 12 PM [11]. - The provincial departments will verify the qualifications of the applying institutions and announce selected policy implementation institutions [12]. Other Matters - Participating institutions must ensure the accuracy and completeness of submitted materials, with penalties for any fraudulent submissions [13]. - Selected institutions must comply with national laws and regulations, as well as the specific subsidy policy, during the implementation of the project [13].