财政部连发“大礼包”！信用卡账单分期业务纳入贴息支持范围

Core Viewpoint - The Ministry of Finance has issued five notifications aimed at supporting small and micro enterprises, personal consumption, equipment upgrades, private investment, and service industry loans through interest subsidies and guarantees. Group 1: Small and Micro Enterprises Loan Subsidy - The notification on small and micro enterprises loan interest subsidies provides a 1.5% annual subsidy on eligible fixed asset loans, with a maximum loan amount of 50 million yuan per entity, effective from January 1, 2026, for a period of up to two years [3][9] - The policy is initially set for one year, with the possibility of extension based on future evaluations [3][9] Group 2: Personal Consumption Loan Subsidy - The personal consumption loan subsidy policy has been extended to December 31, 2026, allowing eligible residents to benefit from interest subsidies on consumption loans taken between September 1, 2025, and December 31, 2026 [3][10] - The scope of support has been expanded to include credit card installment payments, with an annual subsidy rate of 1% [10] - Restrictions on the maximum subsidy amount per transaction and per borrower have been lifted, while maintaining an annual cap of 3,000 yuan per borrower [10] Group 3: Equipment Upgrade Loan Subsidy - The equipment upgrade loan subsidy offers a 1.5% interest subsidy on fixed asset loans for equipment upgrades, applicable for loans issued until December 31, 2026, with a maximum duration of two years [11] - The support scope has been broadened to include various sectors such as construction, aviation, and digital technology, emphasizing high-end, intelligent, green, and digital equipment upgrades [11] Group 4: Private Investment Guarantee Plan - The private investment guarantee plan has a total quota of 500 billion yuan, to be implemented over two years, targeting loans for small and micro enterprises involved in equipment purchases, technological upgrades, and various service sectors [12] - Eligible enterprises must not be listed as abnormal operation or untrustworthy entities and must meet specific operational criteria [12] Group 5: Service Industry Loan Subsidy - The service industry loan subsidy policy has been extended to December 31, 2026, with new loans issued during this period eligible for a 1% interest subsidy, with a maximum loan amount of 10 million yuan per entity [13] - The support scope has been expanded to include additional sectors such as digital, green, and retail, alongside existing categories like health and tourism [13]