成都银行推出个人消费贷财政贴息细则，累计贴息上限1500元/人

Core Viewpoint - Chengdu Bank has announced the implementation details of a personal consumption loan interest subsidy policy, allowing individual customers to benefit from a subsidy for loans used for consumption within Sichuan Province, with an annual subsidy rate of 1% and a maximum of 50% of the loan contract interest rate [1][5]. Group 1: Policy Implementation Details - The policy execution period is from October 1, 2025, to March 31, 2026, with a total subsidy cap of 1,500 yuan for each borrower, corresponding to a cumulative consumption amount of 300,000 yuan [3][5]. - For loans under 50,000 yuan, the cumulative subsidy cap is 500 yuan, corresponding to a cumulative consumption amount of 100,000 yuan [5][4]. - The subsidy covers daily consumption and key areas such as household vehicles, education, cultural tourism, and health care [4][5]. Group 2: Application Process and Requirements - Borrowers must provide different documentation based on the loan amount; for loans under 50,000 yuan, proof of transaction is required, while loans over 50,000 yuan require a real-name invoice and payment proof [5][6]. - The bank has specified conditions under which subsidies will not be granted, including late transactions, misuse of loan funds, and submission of false materials [5][6]. Group 3: Market Impact and Analysis - The introduction of this subsidy policy marks the official implementation of the provincial personal consumption loan subsidy policy, which is expected to stimulate consumer demand and enhance local bank engagement with customers [8][9]. - Analysts suggest that this model may be replicated in other regions, potentially leading to increased consumption and support for local industries [9].