财政部连发5个重要文件，事关消费贷、民间投资等

Group 1 - The Ministry of Finance and other departments have released five documents related to consumer loans and private investment, aiming to stimulate consumption and expand domestic demand [1] - The loan interest subsidy policy for service industry operators has been extended until December 31, 2026, with specific provisions for loans issued between March 16, 2025, and December 31, 2025 [1][2] - The maximum loan amount eligible for interest subsidies has been increased to 10 million yuan, with a subsidy rate of 1% for a maximum period of one year [2][3] Group 2 - The scope of supported sectors has been expanded to include digital, green, and retail consumption areas, in addition to existing categories like catering, health, and tourism [2][3] - A total of 21 national banks and various commercial banks are designated as eligible institutions for processing these loans [3][4] - The funding mechanism for interest subsidies will adopt a "pre-allocation + settlement" approach, ensuring timely disbursement and accountability [4][5] Group 3 - A special guarantee plan for private investment has been introduced with a total quota of 500 billion yuan, to be implemented over two years [8][10] - The plan focuses on supporting small and micro enterprises in various sectors, including technology upgrades and consumption-related activities [10][11] - The risk-sharing ratio has been adjusted, with banks bearing at least 20% of the loan risk and the government guarantee system covering up to 80% [11][12] Group 4 - The equipment update loan interest subsidy policy has been optimized, with a subsidy rate of 1.5% for loans related to equipment updates, applicable for a maximum of two years [15][16] - The supported sectors for equipment updates have been broadened to include high-tech and green industries, enhancing support for modernization [16][17] - A total of 26 banks are authorized to handle these subsidy loans, ensuring a wide reach for the policy [17][18] Group 5 - The personal consumption loan interest subsidy policy has been extended until the end of 2026, with an emphasis on innovative financial products to boost consumer spending [22][23] - The subsidy rate for personal consumption loans has been set at 1%, with the removal of previous caps on subsidy amounts for individual borrowers [23][24] - The funding allocation for these subsidies will also follow a "pre-allocation + settlement" model to enhance efficiency [24][25]