“双贴息”政策优化在即，贷款经办机构有望扩围

Group 1 - The core viewpoint of the news is the implementation of a comprehensive policy package by the State Council to promote domestic demand through financial and fiscal collaboration, focusing on enhancing consumer spending capabilities [1] - The "double subsidy" policy aims to optimize personal consumption loan interest subsidies and service industry loans, with suggestions for expanding the range of institutions involved and simplifying approval processes [1][3] - The first phase of the personal consumption loan subsidy policy includes 18 national commercial banks and several leading consumer finance companies, with expectations for further expansion of participating institutions [3] Group 2 - The policy has already seen regional banks in cities like Chongqing, Sichuan, and Guizhou included in the subsidy framework, indicating a trend towards a "national subsidy + local subsidy" model [4] - Financial institutions have increased credit issuance in the consumer sector, with significant loan amounts reported by major state-owned banks [2] - The effectiveness of the subsidy policy is expected to be evaluated post-implementation, with potential adjustments to the support range and participating institutions [6] Group 3 - The policy's marginal utility is particularly significant for customers of city commercial banks and rural commercial banks, who are more affected by economic downturns [5] - Recommendations for optimizing the "double subsidy" policy include using digital currency technology for fund management and establishing differentiated subsidy strategies based on regional needs [7][8] - Long-term strategies should align the subsidy policy with income support and employment measures to enhance consumer capacity and confidence [8]