地方消费贷“红包”能申领了！成都银行已首批落地新政

Core Insights - The article discusses the implementation of a personal consumption loan interest subsidy policy in Sichuan Province, which aims to stimulate consumer spending by providing financial incentives to borrowers [2][4]. Group 1: Policy Implementation - The Sichuan Provincial Finance Department and other agencies have launched a personal consumption loan interest subsidy policy, effective from October 1 to March 31 of the following year, covering key consumption periods like New Year and Spring Festival [2]. - Eligible personal consumption loans can receive an interest subsidy of 1% per annum, capped at 50% of the loan contract interest rate, with specific limits on the total subsidy amount for borrowers [2][4]. Group 2: Application Process - The application process for the interest subsidy is streamlined, allowing users to complete it in three simple steps via a mobile banking app, enhancing user experience and operational efficiency [3]. - Borrowers must upload consumption vouchers for loans under 50,000 yuan, while loans above this amount require invoice submission, with a clear stipulation that the consumption must occur within Sichuan [3]. Group 3: Consumer Engagement and Financial Services - Chengdu Bank has adopted a multi-faceted approach to enhance consumer financial services, including the rapid implementation of the subsidy policy and the introduction of an intelligent approval system [4][5]. - The bank has invested over 11 million yuan in subsidies, benefiting 1.5 million citizens and driving consumption exceeding 1.5 billion yuan [5]. Group 4: Financial Performance and Stability - Chengdu Bank reported a total asset size of 1.38 trillion yuan as of September 2025, with a loan and advance total of 847.48 billion yuan, reflecting a growth rate of 14.13% year-on-year [6]. - The bank's net profit for the first three quarters of 2025 reached 9.49 billion yuan, with a return on equity (ROE) of 15.2%, indicating strong capital efficiency and profitability [6]. Group 5: Future Outlook - Chengdu Bank plans to continue enhancing its consumer financial products and services, focusing on improving urban economic vitality and promoting quality consumption [7].