激发民间投资、促进消费，财政部公布一揽子扩内需政策

Core Viewpoint - The Ministry of Finance, in collaboration with relevant departments, has launched a comprehensive policy package aimed at expanding domestic demand and stimulating private investment and consumer spending [1][2]. Group 1: Policy Overview - The policy package includes six key initiatives: 1. Loan interest subsidies for small and micro enterprises 2. Special guarantee plan for private investment 3. Risk-sharing mechanism for private enterprise bonds 4. Loan interest subsidies for equipment upgrades 5. Loan interest subsidies for service industry operators 6. Loan interest subsidies for personal consumption [1][2][3][4]. Group 2: Specific Policies - The first initiative provides a 1.5% interest subsidy on loans for small and micro enterprises, with a maximum loan amount of 50 million yuan and a subsidy period of up to 2 years, targeting 14 key industries including new energy vehicles and medical equipment [2][3]. - The second initiative offers a new guarantee plan for small and micro enterprises, allowing for a loan guarantee of up to 20 million yuan for eligible businesses [3]. - The third initiative introduces a risk-sharing mechanism for bonds issued by private enterprises, providing credit enhancement support to lower financing thresholds [3]. - The fourth initiative expands the scope of interest subsidies for equipment upgrades, including fixed asset loans related to equipment updates and technology innovation [4]. - The fifth initiative increases the loan limit for service industry operators from 1 million yuan to 10 million yuan, with a 1% interest subsidy for one year [4]. - The sixth initiative allows personal consumption loans to receive a 1% interest subsidy, including support for credit card installment payments, with over 500 financial institutions participating [4]. Group 3: Implementation and Financial Planning - The financial expenditures required for these policies have been adequately planned in the 2026 budget, encouraging local and financial institutions to actively engage in business [5].