贴息上限1500元 成都银行推出个人消费贷财政贴息细则

Core Viewpoint - Chengdu Bank has announced the implementation details for personal consumption loan interest subsidies, which will be effective from October 1, 2025, to March 31, 2026, aimed at boosting local consumption in Sichuan Province [1] Group 1: Subsidy Implementation Details - The subsidy applies to personal consumption loans issued by Chengdu Bank for consumption within Sichuan Province, excluding credit card transactions [1] - The subsidy covers various consumption categories, including household vehicles, education, healthcare, and electronics, with a maximum subsidy of 1% per annum, capped at 50% of the loan contract interest rate [2] - Each borrower can receive a total subsidy of up to 1500 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [2] Group 2: Transaction Identification and Application Process - Borrowers must sign a subsidy agreement via Chengdu Bank's mobile app to authorize the bank to access transaction information for subsidy eligibility [3] - For transactions under 50,000 yuan, borrowers need to provide proof of consumption within Sichuan, while transactions above this amount require additional documentation [4] Group 3: Exclusions from Subsidy - The bank has outlined specific scenarios where subsidies will not be granted, including failure to sign the subsidy agreement, transactions occurring more than 30 days after loan disbursement, and misuse of loan funds [5] - Refunds on eligible transactions and loans in default or non-compliance with usage agreements will also disqualify borrowers from receiving subsidies [5] Group 4: Operational Aspects and Market Impact - Chengdu Bank will not charge service fees for processing subsidy applications and will launch the subsidy feature in its mobile banking app soon [6] - The policy aims to stimulate consumer spending by reducing financing costs, with local banks expected to leverage their regional advantages to enhance market penetration [9][10] - The implementation of this policy may increase operational and risk management costs for local banks, necessitating resource allocation to optimize processes [10]