消费领域迎来重磅政策！财政部等三部门联合发布，经营主体也迎利好

Group 1: Personal Consumption Loan Subsidy Policy - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have issued a subsidy policy for personal consumption loans to stimulate consumer spending and economic growth [2][3] - The subsidy period is from September 1, 2025, to August 31, 2026, with a subsidy rate of 1% per year, capped at 50% of the loan contract interest rate [2][3] - Each borrower can receive a maximum subsidy of 3,000 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [3] Group 2: Eligible Loan Institutions - The policy includes six major state-owned commercial banks and twelve national joint-stock commercial banks as eligible loan institutions [4] - Additionally, five other personal consumption loan issuing institutions are also included in the policy [4] Group 3: Service Industry Loan Subsidy Policy - A separate subsidy policy for service industry operators has been introduced, covering eight sectors including accommodation, elderly care, and tourism [5][6] - Loans must be issued between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service capabilities [7][8] - The subsidy for service industry loans is also set at 1% per year, with a maximum loan amount of 1 million yuan per borrower [8]