财政部：借款人在申请个人消费贷款只需增加一个操作即可享受贴息

Core Viewpoint - The Chinese government is implementing a new procedure for personal consumer loan applications, allowing lenders to access transaction information from designated accounts to facilitate interest subsidies [1] Group 1: Loan Application Process - Borrowers must grant loan processing institutions the authority to identify transaction information related to loan disbursement accounts when signing loan contracts [1] - For existing loans, lenders can obtain borrower authorization through supplementary agreements [1] Group 2: Interest Subsidy Mechanism - Loan processing institutions will calculate the amount of fiscal interest subsidies based on actual consumer spending and policy-defined subsidy ratios and limits [1] - Borrowers will be informed of the fiscal subsidy details through SMS or mobile apps, eliminating the need for additional actions [1]