银行应为落实贷款贴息政策把好关

Core Viewpoint - The central government and the Ministry of Finance have jointly issued the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" and the "Service Industry Operating Entity Loan Interest Subsidy Policy Implementation Plan," aimed at stimulating consumption and boosting domestic demand through a "double subsidy" policy [1] Group 1: Policy Implementation - The central and provincial finances will bear the interest subsidy funds for eligible personal consumption loans and service industry loans at a ratio of 90% and 10%, respectively, with a subsidy rate of 1 percentage point for a duration of one year [1] - The policy is designed to ensure that the benefits of the subsidies reach the service industry and residents effectively, with banks and financial departments responsible for strict execution to prevent policy distortion [1] Group 2: Bank Responsibilities - Banks are urged to enhance coordination with financial regulatory and fiscal departments to establish an information-sharing mechanism, ensuring precise loan support and effective implementation of the subsidy policy [2] - A full-process fund supervision responsibility should be established, including thorough pre-loan checks, strict loan qualification reviews, and post-loan monitoring to ensure funds are used for designated consumption areas [2] Group 3: Public Awareness and Service Improvement - Banks should improve public awareness of the "double subsidy" policy, ensuring that service industry entities and residents understand the policy and can apply for subsidized loans effectively [3] - The application process and service experience should be optimized to meet the reasonable credit needs of the service industry and residents, utilizing big data to analyze customer demands and adjust strategies accordingly [3] Group 4: Risk Management - Financial institutions must adhere to market-oriented and legal operations, establishing internal control mechanisms for risk management related to subsidized loans to prevent the emergence of new non-performing loans [3] - Banks participating in the issuance of "double subsidy" loans should create industry self-discipline mechanisms to avoid inducing excessive consumption through subsidies, thereby mitigating consumption credit risks [3]