个人消费贷款财政贴息政策实施期限将延长至2026年底

Group 1 - The core point of the news is the extension of the personal consumption loan interest subsidy policy until the end of 2026, aimed at boosting consumer spending and reducing the cost of personal consumption credit [1][4] - The policy will now be effective from September 1, 2025, to December 31, 2026, allowing residents to enjoy interest subsidies on eligible consumption during this period [4][5] - The subsidy rate for credit card installment payments has been set at 1 percentage point [5] Group 2 - The policy has removed the previous cap of 500 yuan on single transaction interest subsidies and the cumulative cap of 1,000 yuan for each borrower at one financial institution [6] - The policy will include more financial institutions, expanding the coverage to include city commercial banks, rural cooperative financial institutions, foreign banks, and consumer finance companies [6][7] - The central and provincial finances will bear 90% and 10% of the subsidy funds, respectively [6] Group 3 - The funding allocation will follow a "pre-allocation + settlement" method, with financial institutions required to submit their subsidy fund needs by January 31, 2026 [6][7] - The Ministry of Finance will conduct joint inspections to ensure compliance with the policy and will hold institutions accountable for any violations [7][8] - Financial institutions must report their policy execution status monthly, including loan issuance and subsidy amounts [7][8]