促消费、促创新，多部门联手发布利好！

Core Viewpoint - The government has announced the optimization of financial subsidy policies for equipment renewal loans, expanding support to various sectors and enhancing the financial assistance framework for small and micro enterprises [1][2][4]. Group 1: Equipment Renewal Loan Subsidy Policy - The policy now includes fixed asset loans related to equipment renewal projects, expanding from just equipment purchase loans [1][4]. - The subsidy rate is set at 1.5% per year for a maximum of two years, with a loan cap of 50 million yuan per entity, allowing for a maximum subsidy of 1.5 million yuan [2][4]. - The policy is effective from January 1, 2026, and is subject to extension based on future evaluations [4][9]. Group 2: Support for Small and Micro Enterprises - The subsidy policy for small and micro enterprises includes fixed asset loans and new policy financial tools, focusing on key industrial chains and production service sectors [2][4]. - The implementation period for this policy is initially set for one year, with potential for extension based on circumstances [2][4]. Group 3: Optimization of Loan Processes - The subsidy process has been streamlined to include a "pre-allocation + settlement" method, enhancing efficiency in fund distribution [6][9]. - Financial institutions are required to submit monthly reports on loan issuance and subsidy usage to ensure transparency and accountability [9]. Group 4: Expanded Support Areas - The policy now covers additional sectors such as construction, energy, aviation, and digital technology, promoting high-end, intelligent, and green equipment updates [5][6]. - The maximum loan amount eligible for subsidy in the service sector has been increased from 1 million yuan to 10 million yuan, with a subsidy cap raised to 100,000 yuan [2][5].