九部门印发《服务业经营主体贷款贴息政策实施方案》 8类消费领域服务业经营主体贷款可享贴息

Core Viewpoint - The Ministry of Finance has announced a loan interest subsidy policy aimed at boosting consumption and expanding domestic demand, which is part of a broader initiative to stimulate the economy and enhance service sector capabilities [1][2]. Group 1: Policy Implementation - The implementation plan specifies that loans issued to service industry entities in eight sectors, including catering, health, and tourism, will be eligible for interest subsidies [2]. - Loans must be contracted between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service supply capabilities [2]. - The policy may be extended or expanded based on its effectiveness after the initial term [2]. Group 2: Economic Impact - The loan interest subsidy policy is seen as a crucial measure to balance short-term economic stimulation with long-term structural optimization [2]. - The policy aims to lower financing costs for service industry entities, thereby enhancing consumer spending potential and promoting economic growth [2][3]. - It is expected to directly reduce financing costs for eligible businesses, alleviating cash flow pressures for small and medium-sized enterprises [3]. Group 3: Financial Details - The subsidy will cover up to 1% of the loan principal for a maximum period of one year, with the central and provincial finances sharing the subsidy costs at 90% and 10%, respectively [3]. - Each eligible entity can receive subsidies for loans up to 1 million yuan, which can include both fixed asset loans and working capital loans [3]. - The policy prohibits double-dipping on subsidies from other central or local financial programs [3].