“双贴息”政策落地！多部门详解申请条件、资金监管等（附时报图说）

Core Viewpoint - The newly announced loan interest subsidy policies aim to stimulate consumer spending and support service industry operators by providing a 1% annual interest subsidy, with the central government covering 90% of the subsidy costs for one year [1][13]. Group 1: Policy Overview - The two subsidy policies target loans issued to eight major service sectors and personal consumption loans used for actual consumption [1]. - The policies will undergo an evaluation after their expiration to consider extending the duration or expanding the support scope [1][15]. - The subsidy is designed to support legitimate borrowing and consumption behaviors, excluding any non-consumption or arbitrage activities [2][5]. Group 2: Application Conditions - For personal consumption loans, the key condition is that the loan must be used for genuine consumption, with a maximum subsidy of 500 yuan per transaction, and up to 1000 yuan for multiple transactions under 50,000 yuan [5][9]. - Service industry operators can apply for the subsidy if they use the loan for operational activities, with eligibility extending from March 16 to the end of the year [6][7]. Group 3: Implementation and Management - The application process is simplified, with no additional actions required from borrowers; the lending institutions will handle the subsidy applications [4][9]. - Financial regulatory bodies will monitor the implementation of the policies, ensuring compliance and effective use of funds [17][19]. - The policies are expected to enhance the credit supply to the service sectors, particularly in areas closely related to daily life, such as hospitality, healthcare, and education [17][21]. Group 4: Economic Impact - The policies are anticipated to significantly boost service consumption, which has been growing rapidly, with a projected contribution rate of 63% to overall consumer spending growth by 2024 [11][19]. - The collaboration between fiscal and financial policies is expected to create a leveraging effect, potentially increasing the amount of loans directed towards consumer spending [13][20].