财政部：贴息范围包括个人单笔5万元以下日常消费，以及单笔5万元及以上汽车、生育、医疗等重点领域消费

Core Points - The Ministry of Finance, in collaboration with other departments, has introduced two subsidy policies for personal consumption loans and service industry loans aimed at boosting consumer spending [1][3] - The personal consumption loan subsidy will benefit a wide range of consumers, with a subsidy rate of 1% applicable to loans used for various consumption purposes, including daily expenses and significant purchases like cars and education [1][3] - The service industry loan subsidy targets eight key sectors, including dining, health, and tourism, with a similar subsidy rate and a maximum loan amount of 1 million yuan per entity [3] Summary by Category Personal Consumption Loan Subsidy - This is the first time the central government has provided subsidies for personal consumption loans, directly benefiting consumers [1] - The subsidy applies to loans up to 50,000 yuan for daily expenses and larger loans for specific categories such as home purchases and education [1] - The subsidy rate of 1% is approximately one-third of the current commercial bank loan interest rates, and the policy will be in effect for one year [1][3] Service Industry Loan Subsidy - The subsidy is aimed at service industry entities in sectors like dining, health, and entertainment, with a focus on enhancing consumer services [3] - Each entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, with a 1% subsidy rate for one year [3] - The policies are designed to be straightforward, minimizing barriers for consumers and businesses to access the benefits [3]