SPD BANK(SH:600000) Sou Hu Cai Jing·2025-12-12 04:07Core Viewpoint - The implementation of the fiscal interest subsidy policy aims to reduce the cost of consumer credit for residents, promoting household consumption and supporting economic growth in Guangdong province [2][4]. Group 1: Fiscal Interest Subsidy Policy - The fiscal interest subsidy policy will be effective from September 1, 2025, to August 31, 2026, covering personal consumption loans issued by financial institutions, excluding credit card transactions [2]. - The subsidy applies to seven key consumption areas, including household vehicles, education, cultural tourism, home decoration, electronics, and healthcare, with a maximum subsidy of 3,000 yuan per household [2]. - The funding for the subsidy will be shared between the central and provincial governments at a ratio of 9:1 [2]. Group 2: Implementation by SPDB Guangzhou Branch - SPDB Guangzhou Branch has successfully launched its first fiscal interest subsidy business aimed at household consumption, becoming one of the first beneficiaries of the policy in Guangdong [1]. - The bank has organized training for frontline staff and developed detailed implementation plans to ensure the effective rollout of the subsidy policy while maintaining risk control [3]. - A customer, Ms. C, completed the loan application process in 20 minutes, benefiting from automatic deduction of the subsidy amount, which increased her confidence in making the purchase [3]. Group 3: Future Directions - SPDB Guangzhou Branch plans to deepen cooperation with various industry merchants and optimize service processes to expand consumption scenarios and innovate financial products [4]. - The bank aims to transform policy benefits into consumption momentum, contributing to the vitality of the Guangdong consumer market and promoting high-quality economic development [4].