建行答21：全力落实服务业贴息贷款政策 多举措管控资金用途

Core Viewpoint - Construction Bank is actively implementing the loan interest subsidy policy for service industry entities, aiming to support sectors such as catering, accommodation, health, and elderly care, with a focus on ensuring the effective use of funds and compliance with regulations [1][2] Group 1: Policy Implementation - The Ministry of Finance and nine other departments issued a notice on August 12 regarding the implementation of the loan interest subsidy policy, which provides a 1% annual subsidy on loan principal for eligible service industry entities, with a maximum loan amount of 1 million yuan per entity [1] - Construction Bank has promptly announced the subsidy policy and is enhancing its promotional efforts to ensure that service industry entities are aware of the policy [1] - The bank is also modifying its operational processes to facilitate online signing of supplementary agreements and collection of usage proof materials [1] Group 2: Fund Usage Monitoring - Construction Bank employs a combination of online and offline verification methods to monitor the use of funds for subsidized loans, ensuring that the policy benefits the eligible market entities [1] - The bank has established several mechanisms to strengthen the management of the use of operating loans, including strict customer admission criteria and contractual agreements specifying the use of loan funds for business operations [1] - The bank has implemented automated system prompts during the loan disbursement process to remind customers of the compliance requirements for loan usage [1] Group 3: Financial Performance - As of the end of September, Construction Bank reported total assets of 45.37 trillion yuan, an increase of 11.83% compared to the end of the previous year [2] - The total amount of loans and advances reached 27.68 trillion yuan, reflecting a growth of 7.10% [2] - The non-performing loan ratio stood at 1.32%, a decrease of 0.02 percentage points from the end of the previous year, while the provision coverage ratio increased to 235.05%, up by 1.45 percentage points [2]