信用卡分期还款也能享受财政贴息

Core Viewpoint - The Chinese government is extending and enhancing the personal consumption loan interest subsidy policy to stimulate consumer spending and reduce the cost of personal consumption credit [1][4]. Group 1: Policy Extension - The implementation period of the personal consumption loan interest subsidy policy has been extended from one year to one year and four months, now running from September 1, 2025, to December 31, 2026 [1]. Group 2: Expanded Support Scope - The scope of the interest subsidy has been broadened to include credit card installment payments, with an annual subsidy rate of 1% [2]. Group 3: Increased Subsidy Standards - The previous restrictions on the areas eligible for interest subsidies have been removed, allowing consumers to use personal consumption loans for various expenditures, including new credit card installment payments, subject to verification by lending institutions [3]. - The cap on the maximum subsidy amount per transaction has been eliminated, while maintaining an annual subsidy limit of 3,000 yuan per borrower at a single lending institution [3]. Group 4: Inclusion of More Financial Institutions - The policy now includes a wider range of financial institutions, such as city commercial banks, rural cooperative financial institutions, foreign banks, consumer finance companies, and auto finance companies, thereby expanding the policy's coverage [4]. Group 5: Complementary Policies - The government is also continuing the "old for new" policy for consumer goods, with an initial allocation of 62.5 billion yuan in long-term special bonds to support this initiative, reinforcing the overall strategy to boost consumption and economic growth [4].