事关消费者钱袋子！解读个人消费贷财政贴息新政：如何省钱?

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration have announced an extension and optimization of the personal consumption loan interest subsidy policy, now effective until the end of 2026, with expanded support including credit card installment payments [2][6]. Policy Background - The personal consumption loan interest subsidy policy has been in development since 2025, with significant implementation success noted in the banking sector [3][4]. Policy Highlights - Expanded Support Scope: The new policy includes credit card installment payments with a 1% annual subsidy rate, broadening the policy's benefits to more daily consumption scenarios [6][7]. - Increased Subsidy Standards: The policy removes previous limits on subsidy amounts, allowing for greater benefits for larger purchases while maintaining an annual cap of 3,000 yuan per borrower at a single institution [9][10]. - Increased Number of Institutions: The policy now includes a wider range of financial institutions, allowing more consumers to access the subsidy and enhancing the policy's reach [11][12].