财政部：消费贷款贴息仅限真实消费 违规套利不予支持

Core Viewpoint - The State Council introduced personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to support reasonable borrowing and consumption behaviors [1][3] Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan interest subsidy policy is designed to support consumers' reasonable borrowing needs and genuine consumption behaviors [3] - Borrowers using personal consumption loans for non-consumption purposes or engaging in arbitrage activities will not be eligible for interest subsidies [3] Group 2: Service Industry Loan Subsidy Policy - The conditions for service industry loan interest subsidies require that loan funds be used for operational activities such as expanding space, optimizing layout, enhancing hardware, increasing business types, personnel training, and product development [3] - The focus of the service industry loan subsidy is to improve consumption infrastructure and enhance service supply capabilities, explicitly prohibiting the use of funds for investment and arbitrage activities [3]