“真金白银”促消费要把好事办好

Core Viewpoint - The introduction of a personal consumption loan interest subsidy policy by major state-owned banks aims to stimulate domestic consumption, enhance public welfare, and promote employment from September 1, 2025, to August 31, 2026, with a subsidy rate of 1% and a cap of 50% of the loan contract interest rate [1] Group 1: Policy Implementation - The subsidy applies to personal consumption loans used for specific categories such as household vehicles, education, and healthcare, with a maximum subsidy for loans under 50,000 yuan and above [1] - Financial institutions are tasked with effectively implementing the policy to ensure consumers benefit and gain confidence [1] Group 2: Consumer Queries and Support - Consumers are encouraged to utilize various channels for inquiries, including online and offline services, to receive personalized assistance from financial institutions [2] - The loan application process has been simplified, allowing borrowers to sign a subsidy service agreement after obtaining the loan, with automatic subsidy deductions on interest payments [2] Group 3: Consumer Rights and Protections - Consumers can challenge banks on transaction recognition issues, with options to submit proof for manual recognition if automatic systems fail [3] - Banks emphasize that only legitimate consumption transactions qualify for subsidies, and misuse of funds or fraudulent activities will lead to severe penalties [4]