多项贷款贴息政策升级！信用卡分期纳入，年贴息比例1%

Core Viewpoint - The recent upgrades to multiple loan interest subsidy policies signal a shift in government strategy from relying solely on large-scale infrastructure investments to a more balanced approach that encourages consumer spending and supports micro and small enterprises [2][5]. Group 1: Policy Upgrades - The personal consumption loan, service industry loan, and equipment update loan subsidy policies have been optimized, with the subsidy period extended to the end of 2026 [2][10]. - The personal consumption loan subsidy now includes credit card installment payments, with an annual subsidy rate of 1% [4][9]. - The subsidy limit for new loans to individual service industry entities has increased from 1 million to 10 million yuan [7][11]. Group 2: Targeted Support Areas - The updated policies now cover additional sectors, including digital, green, and retail industries, alongside the existing eight categories [7][8]. - The equipment update loan subsidy has been raised from 1% to 1.5%, with a focus on high-end, intelligent, green, and digital equipment updates [9][10]. - The new micro and small enterprise loan subsidy policy aims to benefit enterprises involved in key industry chains, including sectors like new energy vehicles, medical equipment, and artificial intelligence [10][11]. Group 3: Implementation and Oversight - The range of financial institutions eligible to administer these subsidies has been expanded to include city commercial banks and foreign banks with a regulatory rating of 3A or higher [5][8]. - A multi-layered risk prevention system has been established, involving financial institutions, regulatory bodies, and fiscal departments to monitor fund flows and ensure compliance [6][9]. - The central government will cover 90% of the subsidy costs, alleviating local fiscal pressures and ensuring effective policy execution [5][6].