五部门：联合实施中小微企业贷款贴息政策

Core Viewpoint - The Chinese government has announced a loan interest subsidy policy aimed at supporting small and micro enterprises, particularly in key industries, to stimulate investment and enhance economic resilience [1][2]. Policy Content - Eligible Entities: The policy applies to all small and micro private enterprises involved in key industry chains and their upstream and downstream sectors, including those recommended by financing coordination mechanisms or shared by the Ministry of Industry and Information Technology [2]. - Targeted Sectors: The policy supports sectors such as new energy vehicles, industrial mother machines, pharmaceuticals, medical equipment, software, civil aircraft, and various service industries including logistics and environmental services [3]. - Subsidy Standards: Starting from January 1, 2026, eligible loans will receive a subsidy of 1.5% per annum for a maximum of two years, with a cap of 50 million yuan per loan. The policy is initially set for one year, with potential extensions [3]. Implementation Mechanism - Participating Banks: The policy involves 21 national banks and certain city commercial banks with a financial regulatory rating of 3A or above [4]. - Operational Process: Enterprises can apply for loans directly to banks, which will approve based on market principles. The subsidy funds will be allocated through a "pre-allocation + settlement" method [6][7]. - Funding Settlement: Banks must report their loan issuance monthly, and the Ministry of Finance will oversee the settlement of subsidy funds [7][9]. Organizational Implementation - Information Reporting: Banks are required to report on the execution of the policy monthly, including loan issuance and subsidy usage [9]. - Collaboration: The Ministry of Finance will lead the implementation, ensuring budget management and supervision of subsidy usage, while other ministries will provide guidance on loan fund allocation [9][10]. - Supervision and Management: The Ministry of Finance and financial regulatory authorities will conduct joint inspections to ensure compliance and prevent misuse of funds [10].