服务业经营主体贷款贴息无需申请，90万元贷款如何享受贴息？财政部详解流程

Core Points - The State Council held a press conference on August 13 to introduce two subsidy policies: personal consumption loan interest subsidies and service industry operating entity loan interest subsidies [1] Group 1: Service Industry Loan Subsidy Policy - The loan subsidy process does not require the borrowing entity to apply for the subsidy; they only need to follow the normal loan application process at the bank [4] - After receiving the subsidy funds from the Ministry of Finance, the bank will return the corresponding subsidy amount to the borrowing entity for the interest already paid [4] - For interest not yet paid, the bank will directly deduct the subsidy amount from the interest collected in subsequent payments [4] Group 2: Example of Loan Subsidy - An example was provided where a restaurant receives a one-year loan of 900,000 yuan on October 1, which qualifies for a total subsidy of 9,000 yuan [4] - The subsidy can be divided into two phases, with the bank returning 3,000 yuan as a one-time payment for the interest from October to January, and subsequently deducting 750 yuan monthly from February to September [4]