个人消费贷款财政贴息政策实施期限延长至2026年底

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have announced an extension of the personal consumption loan interest subsidy policy until the end of 2026, aiming to boost consumer spending and reduce credit costs for residents [1][2]. Group 1: Policy Implementation - The personal consumption loan interest subsidy policy will now be effective from September 1, 2025, to December 31, 2026, allowing residents to enjoy subsidies on eligible consumption during this period [1][2]. - The policy may be extended further based on its effectiveness after the current term ends [1][2]. Group 2: Support for Consumption - The policy encourages innovation in consumer finance, supporting institutions in creating new credit products and enhancing collaboration with offline and online platforms [2]. - The scope of the subsidy will be expanded to include credit card installment payments, with an annual subsidy rate of 1% [3]. Group 3: Subsidy Standards and Coverage - The previous limits on the maximum subsidy amount per transaction (500 yuan) and the cumulative subsidy cap per borrower (1,000 yuan) have been removed, while maintaining an annual cap of 3,000 yuan per borrower at a single institution [3][4]. - The policy will now include a wider range of consumption areas, removing previous restrictions on specific consumption sectors [3][4]. Group 4: Institutional Involvement and Funding - Local financial authorities will develop regional personal consumption loan subsidy policies, including various financial institutions such as city commercial banks and foreign banks [4][5]. - The funding for the subsidies will be shared, with the central government covering 90% and local governments covering 10% [4][5]. Group 5: Monitoring and Compliance - There will be enhanced collaboration among the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau to share information on the implementation of personal consumption loans [5]. - Institutions are required to improve their internal processes and monitoring capabilities to ensure compliance with the subsidy policy [6].