个人消费贷也有“国补”了 每人每机构最多可贴息3000元

Core Viewpoint - The implementation of a new fiscal subsidy policy for personal consumption loans aims to stimulate consumer spending and address structural consumption issues in China [1][2][3] Group 1: Policy Overview - The fiscal subsidy policy for personal consumption loans will be effective from September 1, 2025, to August 31, 2026, allowing residents to receive interest subsidies on loans used for consumption, excluding credit card transactions [1] - Each borrower can receive a maximum subsidy of 3,000 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [2] Group 2: Coverage and Focus Areas - The subsidy policy covers loans of less than 50,000 yuan and specifically targets areas such as household vehicles, education, cultural tourism, home improvement, and health care, indicating a broad and targeted approach to consumer spending [2] - The annual subsidy rate is set at 1% of the eligible loan principal, with a cap of 50% of the loan contract interest rate [2] Group 3: Economic Impact - The policy is expected to lower the cost of consumer credit for residents, enhancing their willingness and ability to use financial leverage for consumption [3] - It will also reduce financing costs for businesses in the consumption sector, encouraging them to maintain operations and provide quality products and services [3] - The fiscal subsidy is anticipated to stimulate effective financing demand from both consumers and businesses, thereby expanding the lending activities of commercial banks and consumer finance companies [3]