九部门联合发布实施方案：旅游等服务业经营主体最高可获100万贴息贷款

Core Viewpoint - The Chinese government has introduced a loan interest subsidy policy aimed at reducing financing costs for service industry operators and stimulating consumer market activity [1][4]. Policy Content - The policy is applicable to loans issued by banks to service industry operators in eight sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [5][6]. - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumer infrastructure and enhance service supply capabilities [1][5]. - The subsidy covers up to 1% of the loan principal for a maximum period of one year, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [1][7]. Loan Process - Eligible service industry operators can apply for loans at designated banks, which will approve loans based on market principles and legal frameworks [8]. - Banks are required to report monthly on the loan issuance status to relevant provincial departments for review [8]. Subsidy Process - After the policy period, banks will apply for subsidy funds based on the loans issued, with a deadline for applications set for January 2026 [9]. - The Ministry of Finance will settle the subsidy funds with provincial finance departments based on their applications [9][10]. Supervision and Management - The policy emphasizes strict compliance and monitoring to ensure that loan funds are used for legitimate business activities and not diverted for real estate or speculative investments [12][13]. - Banks and service operators are held accountable for any misuse of funds, with penalties for violations [13].