财政部：“双贴息”政策期限一年，到期后将视情况研究是否延长

Core Viewpoint - The Ministry of Finance emphasizes that consumption is a crucial engine for economic growth and a key link in facilitating domestic circulation, introducing personal consumption loan interest subsidy policies to benefit the public [1] Summary by Relevant Categories Personal Consumption Loan Subsidy - The subsidy policy is the first time the central government has provided interest subsidies for personal consumption loans, directly benefiting residents [1] - The subsidy applies to the portion of personal consumption loans used for consumption, including daily expenses under 50,000 yuan and major expenditures like home vehicles, education, and healthcare [1] - The subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rates, and will be implemented for one year [1] Service Sector Support - The service consumption sector in China has significant growth potential, which requires high-quality supply to be fully realized [1] - A loan interest subsidy policy for service industry operators has been introduced, focusing on eight key service sectors: catering, accommodation, healthcare, elderly care, childcare, housekeeping, cultural entertainment, and tourism [1] - The subsidy rate is also 1 percentage point, applicable for one year, with a maximum loan amount of 1 million yuan per entity and a maximum subsidy of 10,000 yuan per entity [1] Future Policy Evaluation - After the expiration of these policies, the Ministry of Finance plans to conduct evaluations to assess their effectiveness and consider extending the policy duration, expanding support scope, and adjusting loan processing ranges as necessary [1]