重磅利好！财政部最新发布

Core Viewpoint - The Ministry of Finance has announced several significant policies aimed at stimulating economic growth, including the extension of the personal consumption loan interest subsidy policy until the end of 2026 [1][10]. Personal Consumption Loan Subsidy Policy - The implementation period for the personal consumption loan interest subsidy policy has been extended to December 31, 2026, with the new period set from September 1, 2025, to December 31, 2026 [2][12]. - The policy now includes credit card installment payments with an annual subsidy rate of 1% [3][12]. - The previous limits on subsidy amounts have been removed, allowing for greater flexibility in consumer spending [3][13]. Equipment Update Loan Subsidy Policy - The subsidy for fixed asset loans related to equipment updates is set at 1.5% for a maximum period of 2 years [4][14]. - The policy supports a wider range of industries, including construction, aviation, and digital technology, and is effective until December 31, 2026 [5][14]. Small and Micro Enterprises Loan Subsidy Policy - A subsidy of 1.5% is available for fixed asset loans to small and micro private enterprises, with a maximum loan size of 50 million yuan [6][17]. - The policy targets key industries such as new energy vehicles, medical equipment, and artificial intelligence, and is set to last for one year with potential extensions [6][17]. Service Industry Loan Subsidy Policy - The service industry loan subsidy policy has been extended to December 31, 2026, with increased subsidy limits for new loans [7][18]. - The policy now includes additional sectors such as digital and green industries, expanding the scope of support [7][18]. Private Investment Special Guarantee Plan - A special guarantee plan for private investment has been established with a total quota of 500 billion yuan over two years [8][19]. - The plan supports loans for equipment purchases, technological upgrades, and various service sectors, with banks bearing at least 20% of the loan risk [8][19]. Financial Support and Innovation - The central government will provide funding to reduce re-guarantee fees and encourage innovative financing models [9][21]. - A total of 50 billion yuan will be injected into the guarantee fund to enhance support for private enterprises and promote balanced regional development [9][21].