三部门：个人消费贷款财政贴息政策实施期限延长至2026年底
Zhong Guo Xin Wen Wang·2026-01-20 05:45

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration jointly issued a notice to optimize the implementation of the personal consumption loan interest subsidy policy, aiming to boost consumption and expand domestic demand [1] Group 1: Policy Support and Implementation - The policy aims to support innovation in consumer finance by encouraging financial institutions to develop new consumer credit products and enhance collaboration with offline and online platforms [2] - The implementation period for the personal consumption loan interest subsidy policy has been extended to December 31, 2026, allowing eligible residents to enjoy subsidies for qualifying consumption during this period [2] - The scope of support has been expanded to include credit card bill installment services with an annual subsidy rate of 1% [3] Group 2: Subsidy Standards and Coverage - The previous restrictions on consumption areas have been lifted, allowing residents to enjoy subsidies for various types of consumption as long as they meet authenticity and compliance requirements [3] - The subsidy standards have been improved by removing the cap of 500 yuan on single transaction subsidies and the limit of 1,000 yuan on cumulative subsidies for individual borrowers at a single institution [3] - The policy will include more financial institutions, such as city commercial banks and foreign banks, to broaden the coverage of the subsidy program [4] Group 3: Financial Management and Oversight - The subsidy funds will be allocated using a "pre-allocation + settlement" method, with provincial financial departments required to verify and report subsidy fund needs by January 31, 2026 [4] - Enhanced collaboration among the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration will ensure effective information sharing and monitoring of the policy's implementation [5] - Provincial financial departments are tasked with simplifying the subsidy fund allocation process to improve efficiency and conducting regular checks on the execution of the policy by financial institutions [5][6]