财政部：实施中小微企业贷款贴息政策，延长个人消费贷款财政贴息政策实施期限

Group 1: Small and Micro Enterprises Loan Interest Subsidy Policy - The policy provides a 1.5% annual interest subsidy for eligible small and micro private enterprises' fixed asset loans and new policy financial tools, with a maximum subsidy loan limit of 50 million yuan per enterprise [1][3][9] - The policy is applicable to loans issued from January 1, 2026, and is initially set to last for one year, with the possibility of extension based on future evaluations [1][3] - The focus is on key industries such as new energy vehicles, industrial mother machines, pharmaceuticals, artificial intelligence, and other emerging sectors [3][9] Group 2: Personal Consumption Loan Interest Subsidy Policy - The implementation period for the personal consumption loan interest subsidy policy has been extended to December 31, 2026, allowing residents to enjoy subsidies for eligible consumption during this period [5][15] - The policy now includes credit card installment payments with an annual subsidy rate of 1%, and removes previous restrictions on consumption fields [5][16] - The maximum annual subsidy per individual remains capped at 3,000 yuan, while previous limits on single transaction subsidies have been removed [5][16] Group 3: Private Investment Special Guarantee Plan - The plan has a total quota of 500 billion yuan, to be implemented over two years, aimed at supporting small and micro enterprises in various sectors including technology upgrades and service industry enhancements [2][7][22] - The guarantee fee for private enterprises is capped at 1%, with the government financing guarantee fund reducing re-guarantee fees by half [2][23] - The plan allows for a compensation rate increase from 4% to 5% for government financing guarantees, enhancing risk tolerance for medium to long-term loans [7][24]