财政部：居民使用个人消费贷款，只要用于消费的，都可享受1个百分点的贴息

Core Viewpoint - The Chinese government is implementing a series of fiscal policies aimed at expanding domestic demand, stimulating private investment, and promoting consumer spending to drive high-quality economic development [1][3]. Group 1: Policy Framework - The policies are summarized as "one goal," "two focuses," "three principles," and "six policies" [1]. - "One goal" refers to the expansion of domestic demand, aligning with the central economic work conference's directives [1]. - "Two focuses" emphasize increasing efforts to stimulate private investment and promote consumer spending, both crucial components of domestic demand [1]. Group 2: Principles of Policy Design - The first principle is to ensure "convenience and efficiency," simplifying processes so that benefits can be accessed without application [3]. - The second principle is "precision and effectiveness," targeting key sectors and groups to lower financing costs and enhance consumer capacity [3]. - The third principle is "standardization and efficiency," balancing the effective use of policies while preventing fraudulent claims for fiscal funds [3]. Group 3: Six Key Policies - The first policy is a loan interest subsidy for small and micro enterprises, providing a 1.5% subsidy on loans for key industries such as new energy vehicles and medical equipment, with a maximum loan amount of 50 million yuan [4]. - The second policy is a special guarantee plan for private investment, offering guarantees for loans up to 20 million yuan for small and micro enterprises [4][5]. - The third policy involves a risk-sharing mechanism for private enterprise bonds, where the central government provides funds to support bond issuance and mitigate investor losses [5]. - The fourth policy is an updated equipment loan interest subsidy, expanding the scope to include loans related to fixed asset updates and technological innovation, with a 1.5% subsidy [5]. - The fifth policy is a loan interest subsidy for service industry entities, increasing the maximum loan amount from 1 million to 10 million yuan, with a 1% subsidy [6]. - The sixth policy is a personal consumption loan interest subsidy, providing a 1% subsidy for loans used for consumption, including credit card installment payments [6].