协同促内需！财政金融一揽子政策落地

Core Viewpoint - The implementation of a series of financial policies aims to stimulate the real economy by enhancing microeconomic vitality and increasing domestic demand, particularly through support for small and micro enterprises and consumer loans [2][3]. Group 1: Policies to Support Private Investment - The new policy package focuses on "stimulating private investment" and "promoting consumer spending," with increased policy intensity to guide social resources towards key areas [3]. - A special guarantee plan established through the National Financing Guarantee Fund will have a scale of 500 billion yuan, implemented over two years, to support small and micro private enterprises [4]. - The policy includes fiscal interest subsidies for fixed asset loans to eligible small and micro enterprises starting from January 1, 2026, and expands the scope of support for equipment upgrade loan subsidies [4][10]. Group 2: Encouragement of Consumer Spending - The upgraded consumer loan policies will provide greater subsidies, covering a wider range of consumption areas, with longer implementation periods and broader institutional coverage [11]. - The subsidy cap for individual consumer loans has increased from 500 yuan to 3,000 yuan per transaction, enhancing purchasing power for large consumer goods [11]. - For service industry enterprises, the loan subsidy limit has been raised from 1 million yuan to 10 million yuan, with corresponding increases in subsidy amounts [11]. - The policies also include credit card installment payments and target key areas such as digital transformation, green services, and retail, allowing for a broader application of subsidies [11][12].