人民银行车士义：将配合财政等部门抓好政策落实，全力做好金融支持消费工作

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies aims to enhance financing support from both consumer demand and enterprise service supply sides, reflecting the coordination between fiscal and financial policies [1] Group 1: Policy Implementation - The subsidy policy directly reduces financing costs for residents and enterprises by subsidizing loan interest payments, alleviating financial burdens [1] - The re-lending policy links policy incentives with banks' credit allocation to the consumer sector, encouraging banks to increase credit supply and pass benefits to enterprises [1] - The interest rates for consumer loans are determined by banks based on market principles, with the subsidy portion directly funded by the government, supporting consumption while ensuring sustainable financial support for the real economy [1] Group 2: Future Directions - The People's Bank of China will work with fiscal departments to ensure effective policy implementation and enhance financial support for consumption [2] - Financial institutions are encouraged to increase credit supply in key service consumption areas such as accommodation, dining, entertainment, education, and elderly care, promoting the growth of related industries [2] - There will be an emphasis on optimizing consumer financial products and services, simplifying approval processes, and enhancing the attractiveness of consumer finance products to meet real consumer needs [2]