四部门：优化实施设备更新贷款财政贴息政策

Core Viewpoint - The joint announcement by four departments aims to optimize the implementation of the equipment renewal loan interest subsidy policy to support enterprises in updating equipment and technology, reduce financing costs, and promote effective investment [1][2]. Group 1: Policy Expansion - The support range is expanded to include fixed asset loans for equipment renewal projects, with a subsidy of 1.5% on the principal for a maximum of two years [2]. - The policy now includes new technology innovation loans issued by banks starting in 2026, which will also receive interest subsidies [2]. - Additional sectors supported include construction, municipal services, energy equipment, aviation materials, and more, focusing on high-end, intelligent, green, and digital equipment updates [3]. Group 2: Implementation and Management - A total of 26 banks are designated as eligible for processing interest-subsidized loans, including major state-owned and commercial banks [3]. - The subsidy process will utilize a "pre-allocation + settlement" method, streamlining the funding request and approval process [4]. - From 2027, annual settlement applications for interest subsidies will be required, with specific deadlines for submission and review [5]. Group 3: Oversight and Compliance - The implementation will be overseen by multiple regulatory bodies, ensuring that banks monitor the use of funds and prevent misuse [6]. - Joint inspections will be conducted to identify any serious violations by enterprises receiving subsidies, with strict penalties for banks involved in collusion [6]. - Banks must establish reporting systems to provide monthly updates on loan issuance and subsidy usage to the relevant authorities [7].