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Core Points - The article discusses the introduction of a new fiscal subsidy policy for personal consumption loans, effective from September 2025 to August 2026, aimed at stimulating consumer spending [1][2] Group 1: Policy Overview - The policy allows personal consumption loans, excluding credit card transactions, to qualify for interest subsidies if they are used for consumption and can be tracked by the lending institution [2] - The subsidy covers loans for various categories, including household vehicles, education, healthcare, and cultural tourism, with specific limits on the amount eligible for subsidy [2][6][9] Group 2: Loan Institutions - The policy involves six major state-owned banks and twelve nationwide joint-stock commercial banks, along with five other personal consumption loan providers [3] Group 3: Subsidy Standards - The annual subsidy rate is set at 1%, with a maximum limit of 50% of the loan contract interest rate, funded by central and provincial finances [4] - Each borrower can receive a maximum cumulative subsidy of 3,000 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [5] Group 4: Key Consumption Areas - The policy specifically targets eight service sectors, including accommodation, healthcare, and tourism, to enhance consumer spending and service quality [10][11] - Loans must be used to improve consumption infrastructure and service capabilities within these sectors [12][16] Group 5: Implementation and Future Considerations - The policy may be extended or expanded based on its effectiveness after the initial implementation period [13]