三部门发布《关于优化实施个人消费贷款财政贴息政策有关事项的通知》

Core Viewpoint - The notification aims to enhance consumer spending and reduce personal consumption loan costs through a series of policy adjustments and financial support measures [1][2]. Group 1: Policy Support and Implementation - The personal consumption loan subsidy policy will be extended until the end of 2026, with eligible consumer spending during this period qualifying for interest subsidies [1][2]. - The policy will now include credit card installment payments with an annual subsidy rate of 1 percentage point [2]. - Restrictions on the consumption sectors eligible for subsidies have been lifted, allowing broader use of personal consumption loans across various fields [2]. Group 2: Subsidy Standards and Coverage - The cap on individual transaction subsidies of 500 yuan has been removed, and the limit of 1,000 yuan for total subsidies per borrower at one institution has also been eliminated, while maintaining an annual cap of 3,000 yuan per borrower [2][3]. - The range of institutions eligible to provide subsidies will be expanded to include various financial entities with a rating of 3A or above [2][3]. Group 3: Financial Management and Oversight - The subsidy funding will be allocated through a "pre-allocation + settlement" method, with specific timelines for applications and fund disbursement [3][4]. - Coordination among the Ministry of Finance, the People's Bank of China, and financial regulatory authorities will be strengthened to ensure effective implementation and monitoring of the policy [4][5]. - Financial institutions are required to enhance their internal processes and reporting systems to ensure compliance and accurate tracking of loan usage and subsidy applications [5].