新华鲜报丨协同促内需！财政金融一揽子政策落地

Core Viewpoint - The article discusses a series of financial policies aimed at stimulating domestic demand and supporting small and micro enterprises, with a focus on enhancing consumer spending and private investment. Group 1: Policy Overview - A combination of policies, including interest subsidies for loans to small and micro enterprises, a special guarantee plan for private investment, and optimized loan subsidies for service industry operators and personal consumption, is designed to channel more financial resources into the real economy and boost microeconomic vitality [2][3]. - The central economic work conference in 2025 emphasized the importance of domestic demand and building a strong domestic market, leading to the implementation of a comprehensive set of fiscal and financial policies to promote domestic demand [2]. Group 2: Support for Private Investment - The special guarantee plan established through the National Financing Guarantee Fund has a scale of 500 billion yuan, to be implemented over two years, aimed at supporting fixed asset loans for small and micro private enterprises [4]. - The policy includes fiscal interest subsidies for eligible fixed asset loans issued by banks to small and micro enterprises starting from January 1, 2026, which will provide tangible financial benefits to businesses [4][9]. Group 3: Consumer Encouragement Measures - The upgraded personal consumption loan subsidy policy allows for a higher subsidy cap, increasing the maximum subsidy per transaction from 500 yuan to 3,000 yuan, thereby better meeting consumer demand for large purchases [10]. - For service industry enterprises, the loan subsidy limit has been significantly raised from 1 million yuan to 10 million yuan, with corresponding increases in subsidy amounts [10]. - The policy also includes credit card installment payments and expands coverage to key areas such as digital transformation, green services, and retail, allowing consumers and businesses to benefit from subsidies in these sectors [10][11].