实探银行消费贷业务：财政贴息尚无操作细则，利率仍在3%以上

Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy, effective from September 1, 2023, is under scrutiny as banks await specific operational guidelines and monitoring requirements [1][2][3]. Group 1: Policy Implementation - The new policy, announced on August 12, offers a 1% annual interest subsidy for eligible personal consumption loans [1]. - Banks have not yet received detailed execution notifications regarding the subsidy, leading to uncertainty about its impact on loan interest rates [2][5]. - The subsidy will be directly deducted from the interest charged to borrowers, with a maximum subsidy cap of 3,000 yuan for eligible loans [3][4]. Group 2: Loan Interest Rates - Current interest rates for personal consumption loans remain above 3%, with various banks offering rates between 3% and 3.6% depending on borrower creditworthiness [5][6]. - The policy allows banks to set their own interest rates and loan conditions, but they must adhere to self-regulatory agreements [5]. Group 3: Monitoring and Compliance - The policy emphasizes the need for banks to monitor the actual use of loan funds to prevent misuse and ensure compliance with subsidy conditions [6][7]. - The implementation plan includes measures for supervision and accountability, with potential penalties for violations by banks or borrowers [7].