事关贷款贴息、民间投资贷款担保等 一揽子政策公布

Core Viewpoint - The Ministry of Finance and other departments have announced a series of policies aimed at extending, expanding, and increasing support for personal consumption loans, private investment, and other areas, with a focus on stimulating economic growth through financial incentives. Group 1: Personal Consumption Loans - The implementation period for the personal consumption loan interest subsidy policy has been extended to the end of 2026, with the new period set from September 1, 2025, to December 31, 2026 [5] - The scope of support has been expanded to include credit card installment payments, with an annual interest subsidy rate of 1% [6] - The previous limits on subsidy amounts for individual transactions and cumulative amounts have been removed, while maintaining an annual cap of 3,000 yuan per borrower at a single institution [6] Group 2: Service Industry Loans - The service industry loan interest subsidy policy has been extended until December 31, 2026, with new loans issued between March 16, 2025, and December 31, 2025, eligible for subsidies [2] - The maximum loan amount eligible for interest subsidies has been increased to 10 million yuan per borrower, with a subsidy period not exceeding one year [2] - The policy now includes additional support for digital, green, and retail consumption sectors, expanding the previous focus on eight specific areas [2] Group 3: Equipment Update Loans - The equipment update loan interest subsidy policy has been optimized to include new loans for technological innovation starting in 2026, with support extended until December 31, 2026 [4] - The policy now covers a broader range of sectors, including construction, energy equipment, and artificial intelligence, emphasizing support for high-end, intelligent, green, and digital equipment updates [4] Group 4: Support for Small and Micro Enterprises - A new interest subsidy policy for loans to small and micro enterprises has been introduced, effective from January 1, 2026, targeting fixed asset loans and new policy financial tools [7] - The policy aims to support key industrial chains and production service industries, enhancing financial access for small businesses [7] Group 5: Private Investment Guarantee Plan - A special guarantee plan for private investment has been established with a scale of 500 billion yuan, to be implemented over two years [9][11] - This plan will provide guarantees for loans to eligible small and micro enterprises, supporting various operational activities including facility upgrades and business operations [14]