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Core Viewpoint - The Ministry of Finance and nine other departments have issued a policy implementation plan for interest subsidies on loans to service industry operators, aimed at boosting consumption and expanding domestic demand by reducing financing costs for service providers [4][5]. Policy Content - Support Scope: The policy applies to loans issued by banks to operators in eight service sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports. Loans must be signed between March 16, 2025, and December 31, 2025, and used for improving consumption infrastructure and enhancing service supply capabilities [5]. - Interest Subsidy Standard: The subsidy is set at 1% per annum for a maximum of one year, with a cap of 1 million yuan per loan. The central and provincial finances will cover 90% and 10% of the subsidy, respectively [6]. - Loan Processing Banks: The loans will be processed by 21 national banks, including major institutions like the Industrial and Commercial Bank of China and the Agricultural Bank of China [7]. Loan Application and Approval - Loan Application: Eligible service operators can apply for loans at designated banks, providing necessary documentation [8]. - Approval and Disbursement: Banks will approve loans based on market principles and must sign contracts with operators detailing subsidy conditions and fund usage [8]. - Regular Review: Provincial branches of national banks will report monthly on loan issuance to relevant industry management departments for review [8]. Subsidy Process - Subsidy Fund Application: After the policy period, banks will apply for subsidy funds based on the loans issued [9]. - Fund Settlement: The Ministry of Finance will settle subsidy funds with provincial finance departments based on their applications [9]. - Fund Distribution: Provincial finance departments will distribute the funds to banks, which must then return the subsidy to the operators [9]. Supervision and Management - Responsibility Assignment: Local governments will oversee the implementation, with banks responsible for loan approvals and management [11]. - Fund Flow Control: Operators must ensure loan funds are used for compliant activities, and banks must adhere to strict guidelines to prevent misuse [11]. - Accountability: Violations of the policy will lead to penalties, and responsible parties will be held accountable [12].