关于个人消费贷款贴息，金融监管总局最新回应！

Core Viewpoint - The Financial Regulatory Administration emphasizes the importance of personal consumption loan interest subsidy policies, which directly impact the financial interests of consumers, and commits to implementing these policies effectively [1] Group 1: Loan Management - Loan processing institutions are required to independently conduct differentiated credit granting based on market-oriented and legal principles, setting reasonable limits, terms, and interest rates for consumer loans [1] - Institutions must enhance loan contract terms and strictly evaluate borrower credit and post-loan management, focusing on key consumption scenarios and groups to boost consumption and expand domestic demand [1] Group 2: Loan Usage - Institutions are tasked with improving information systems to identify eligible consumption information for loans, including single purchases below 50,000 yuan and significant expenditures in key areas such as automobiles, healthcare, and education [1] - Institutions must strengthen management of loan fund usage and risk control to prevent misuse of funds and ensure compliance with subsidy regulations [2] Group 3: Supervision and Management - The administration will supervise loan processing institutions to ensure accurate calculation, review, and application of interest subsidy funds, holding them accountable for the authenticity and compliance of related data [2] - Financial consumer rights protection will be prioritized, with mechanisms established for internal problem verification and correction [2] Group 4: Requirements for Participating Banks - Participating banks are required to focus on eight consumer sectors closely related to daily life, increasing credit supply, especially for eligible small and micro enterprises [3] - Banks must adhere to market-oriented principles in approving loans for eligible entities, ensuring strict review and efficient processing to meet diverse financing needs [3] - Banks are to cooperate with fiscal departments in managing interest subsidies, reporting monthly on loan issuance to eligible service industry entities [3] Group 5: Fund Management and Compliance - Banks must apply for interest subsidy funds based on industry management department reviews and dynamically track loan flows to ensure compliance and effective use of funds [4] - Daily supervision will be strengthened by financial regulatory bureaus in collaboration with local fiscal departments to prevent risks associated with the misuse of subsidy funds [4]