五部门：实施中小微企业贷款贴息政策

Core Viewpoint - The Ministry of Finance has announced a loan interest subsidy policy for small and micro enterprises, providing a 1.5% annual subsidy on eligible fixed asset loans and new policy financial instruments, with a maximum subsidy loan limit of 50 million yuan per enterprise, effective from January 1, 2026, for a preliminary period of one year [1][3]. Group 1: Policy Content - The policy targets small and micro private enterprises involved in key industry chains and their upstream and downstream sectors, including but not limited to those recommended by financing coordination mechanisms or shared by the Ministry of Industry and Information Technology [2]. - The supported sectors include new energy vehicles, industrial mother machines, pharmaceuticals, medical equipment, software, civil aircraft, servers, mobile communication devices, new displays, industrial robots, and various service industries such as technology, logistics, and environmental protection [3]. Group 2: Implementation Mechanism - The policy will be executed through a "total-to-total" model, where the Ministry of Finance will coordinate with major banks, including the Development Bank and several commercial banks, to streamline the process of subsidy fund allocation and management [5]. - Eligible enterprises can apply for loans directly from the designated banks, which will make independent decisions based on market principles [6]. Group 3: Funding Process - The subsidy funds will be allocated using a "pre-allocation + settlement" method, with banks required to submit annual subsidy fund applications by February 5, 2026, and provincial finance departments to report these applications to the Ministry of Finance by February 28, 2026 [7]. - Monthly reports on loan issuance and subsidy usage will be submitted by banks to the relevant finance departments, ensuring transparency and accountability in the use of funds [9]. Group 4: Supervision and Management - The Ministry of Finance will oversee the implementation of the policy, ensuring budget management and conducting audits on the use of subsidy funds [10]. - Banks are required to monitor the flow of loan funds to prevent misuse, and any violations will result in penalties, including the recovery of subsidy funds [10].