Jin Tou Wang·2025-11-12 03:16Core Viewpoint - Citic Bank is implementing a subsidy policy for personal business loans in the service industry to stimulate consumption and support economic growth as per government directives. Group 1: Loan Products and Conditions - The eligible personal business loan products include self-operated personal business loans, housing collateral business loans, micro loans, pledge business loans, and other offline business loans [1]. - The subsidy applies to business entities in eight consumption sectors: catering, accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [2]. - Loan funds must be used to improve consumption infrastructure and enhance social service capabilities [3]. - Customers must sign a supplementary agreement to qualify for the subsidy; failure to do so will be considered a waiver of the subsidy [3]. - Loans must be repaid in full as per the agreement to qualify for the subsidy [4]. Group 2: Application and Processing - Customers can apply for the subsidy by contacting their loan processing bank and must complete the supplementary agreement by December 31, 2025 [5]. - The subsidy will be reported to relevant departments for review and funding application in January 2026 [5]. Group 3: Subsidy Standards - The subsidy period is one year from the loan disbursement date; if the loan term is less than one year, the subsidy will be based on the actual usage period [6]. - The annual subsidy rate is set at 1 percentage point, with a maximum subsidy amount of 10,000 yuan for a total loan amount of 1 million yuan [7]. - The total subsidy limit for a single business entity is capped at 10,000 yuan, and if multiple banks are involved, the total subsidy remains the same [9]. Group 4: Compliance and Fees - Loans that are overdue will not qualify for the subsidy until the principal and interest are repaid [10]. - Customers can apply for the subsidy during the loan process and must sign a supplementary agreement for previously disbursed loans that meet the criteria [11]. - Citic Bank will not charge any fees for processing the loan or subsidy applications [13]. - Misuse of loan funds or subsidy claims will result in penalties and recovery of funds by Citic Bank [14].