消费贷贴息百日，更多地方性银行加入“地补”

Group 1 - The core viewpoint of the article highlights the implementation of the consumer loan interest subsidy policy, referred to as "financial national subsidy," which has been in effect for over a hundred days, showing increased bank lending but limited recovery in consumer credit demand [2][6] - Major state-owned and joint-stock banks have significantly increased their personal consumption loan issuance since September, with China Bank issuing 47.4 billion yuan in September alone, marking a 26.11% increase year-to-date [3][4] - Regional banks are also joining the initiative, raising loan limits to 500,000 to 1 million yuan, with some small banks offering up to 2 million yuan, promoting loans for various consumer purposes [4][5] Group 2 - Despite the increased loan limits, many banks maintain strict customer screening, with loans over 300,000 yuan primarily available to stable income groups, limiting the impact on broader consumer segments [5] - The overall demand for consumer loans remains weak, with a net decrease of 206 billion yuan in household loans in November, indicating a sluggish recovery in consumer credit [5][6] - The shift from "national subsidy" to "local subsidy" is evident as local governments begin to implement their own consumer loan interest subsidy policies, aiming to stimulate local consumption and activate regional markets [6][7]