中央层面首次实施 “双贴息”惠及哪些群体？官方解析

Core Viewpoint - The central government has introduced personal consumption loan interest subsidies and service industry loan interest subsidies for the first time, aimed at boosting consumer spending and supporting the service sector [1][2]. Group 1: Personal Consumption Loan Subsidy - The subsidy targets personal consumption loans used by residents, covering both small daily expenses (below 50,000 yuan) and larger purchases such as home appliances, vehicles, and education [1]. - The interest subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rates, with a policy implementation period of one year [1]. - The policy supports both goods and service consumption, aligning with the diversified consumption trends of residents [1]. Group 2: Service Industry Loan Subsidy - The subsidy focuses on loans to service industry operators in key consumption sectors such as dining, health, elderly care, childcare, home services, culture, entertainment, tourism, and sports [2]. - The interest subsidy rate is also 1 percentage point, applicable for one year, with a maximum loan size of 1 million yuan per entity and a maximum subsidy of 10,000 yuan per entity [2]. - After the policy period, evaluations will be conducted to assess effectiveness, with potential extensions or expansions of support [2].