六大行集体官宣：9月1日起，对符合要求的个人消费贷款实施贴息

Core Viewpoint - The Chinese government has introduced a personal consumption loan interest subsidy policy to stimulate domestic demand and reduce consumer credit costs, effective from September 1, 2025 [1][12][13]. Group 1: Government Policy - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration have jointly developed the "Implementation Plan for Personal Consumption Loan Interest Subsidy Policy" [1]. - The policy aims to support the expansion of domestic demand and enhance consumer spending [12][13]. Group 2: Bank Responses - Major state-owned banks, including Agricultural Bank of China and Postal Savings Bank, have announced their commitment to implement the interest subsidy for eligible personal consumption loans starting from the specified date [1][3]. - Several joint-stock banks, such as China Merchants Bank, Zheshang Bank, and others, have also issued announcements regarding their participation in the interest subsidy program [10][12][13]. Group 3: Implementation Details - Banks will follow market-oriented and legal principles to streamline the application process and ensure compliance with fund usage [12][13]. - No fees will be charged to customers for processing personal consumption loan interest subsidies, and banks have warned against potential fraud related to this service [16].