财政部等三部门：将个人消费贷款财政贴息政策实施期限延长至2026年底

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau jointly issued a notice to optimize the implementation of personal consumption loan interest subsidy policies, aiming to boost consumption, expand domestic demand, and reduce the cost of personal consumption credit for residents [1][2]. Group 1: Policy Support and Innovation - The policy supports innovation in consumer finance by encouraging institutions to develop new credit products and enhance collaboration with offline and online platforms, thereby expanding the coverage of personal consumption loan interest subsidies [1]. - The policy aims to increase the coverage and activity of consumption in goods and services such as tourism, dining, events, health care, and childcare [1]. Group 2: Policy Duration and Scope - The implementation period for the personal consumption loan interest subsidy policy has been extended to the end of 2026, with eligible consumption occurring from September 1, 2025, to December 31, 2026 [1]. - The scope of support has been expanded to include credit card installment payments, with an annual interest subsidy rate of 1% [2]. Group 3: Subsidy Standards and Institutions - The policy removes the previous cap of 500 yuan on single transaction interest subsidies and the limit of 1,000 yuan on cumulative subsidies for individual borrowers at a single institution, while maintaining an annual cap of 3,000 yuan [2]. - The policy increases the number of institutions eligible to provide subsidies, including various types of banks and financial companies, with the central and provincial finances covering 90% and 10% of the subsidy funds, respectively [2]. Group 4: Fund Management and Supervision - The subsidy funds will be allocated using a "pre-allocation + settlement" method, with institutions required to submit their funding needs by January 31, 2026 [3]. - The Ministry of Finance and the Financial Regulatory Bureau will share information on the implementation of personal consumption loans and conduct joint inspections to ensure compliance [3][4]. Group 5: Reporting and Compliance - Institutions must establish reporting systems to submit monthly execution reports on the policy, including loan issuance and subsidy amounts, to the Ministry of Finance and provincial finance departments [5]. - The notice will take effect from January 1, 2026, and any conflicting provisions in previous documents will be superseded by this notice [5].