四部门：延长服务业经营主体贷款贴息政策实施期限 将数字、绿色、零售3类消费领域纳入支持范围

Core Viewpoint - The Ministry of Finance, Ministry of Commerce, People's Bank of China, and Financial Regulatory Bureau have announced an optimization of the loan interest subsidy policy for service industry operators, expanding support to new sectors and extending the policy's implementation period until December 31, 2026 [1][3]. Group 1: Policy Extension and Support - The implementation period for the loan interest subsidy policy has been extended to December 31, 2026, with loans issued between March 16, 2025, and December 31, 2025, following the existing subsidy guidelines [3][4]. - The maximum loan amount eligible for interest subsidies has been increased to 10 million yuan per borrower, with a subsidy period not exceeding one year and an annual subsidy rate of 1% [4][5]. Group 2: Expanded Support Areas - The policy now includes three additional consumption sectors: digital, green, and retail, alongside the existing eight sectors such as catering, health, and tourism [4][5]. - The digital sector corresponds to "Internet and related services" and "digital content services," while the green sector includes categories like "property management" and "green transportation" [4][5]. Group 3: Banking and Operational Mechanisms - A total of 21 national banks and various commercial banks are designated as eligible institutions for processing these loans, enhancing the accessibility of the subsidy program [5][6]. - The operational mechanism will be optimized to improve efficiency, including a joint review process among financial institutions and regulatory bodies [6][7]. Group 4: Financial Management and Reporting - The subsidy funds will be managed through a "pre-allocation + settlement" method, ensuring timely disbursement and settlement of funds between banks and provincial finance departments [6][7]. - Banks are required to report on the execution of the policy monthly, detailing loan issuance and subsidy usage, to ensure transparency and accountability [8].