六项政策齐落地！财政金融协同扩内需有何看点？

Core Viewpoint - The Chinese government is implementing a comprehensive fiscal and financial policy package to stimulate domestic demand, with a focus on supporting small and micro enterprises, promoting consumer spending, and enhancing private investment [1][2]. Group 1: Policy Overview - The fiscal and financial policy package includes six key measures aimed at expanding domestic demand, with four focused on stimulating private investment and two on promoting consumer spending [2]. - The policies are designed to simplify processes, allowing for direct benefits without application requirements, thereby enhancing efficiency and effectiveness [2]. Group 2: Specific Policies - Small and Micro Enterprises Loan Interest Subsidy Policy: This policy provides interest subsidies of 1.5 percentage points on loans for key industries such as new energy vehicles and medical equipment, with a maximum loan amount of 50 million yuan and a subsidy period of up to 2 years [3]. - Private Investment Special Guarantee Plan: This plan offers loan guarantees for small and micro private enterprises, allowing for loans up to 20 million yuan for activities like facility upgrades and expansions [3]. - Support for Private Enterprise Bond Risk Sharing Mechanism: Central government funds will be allocated to share risks associated with bond issuance by private enterprises, helping to lower financing thresholds [3]. Group 3: Additional Policies - Equipment Upgrade Loan Interest Subsidy Policy: This policy expands the scope of interest subsidies to include loans for equipment upgrades and technology innovation, with a subsidy of 1.5 percentage points for up to 2 years [4]. - Service Industry Operating Entity Loan Interest Subsidy Policy: The loan limit for this policy has been increased from 1 million yuan to 10 million yuan, with a 1 percentage point subsidy for one year, covering 11 consumer sectors [4]. - Personal Consumption Loan Interest Subsidy Policy: Residents can receive a 1 percentage point subsidy on personal consumption loans, including credit card installment payments, with over 500 financial institutions eligible to provide these loans [4]. Group 4: Financial Arrangements - Sufficient budgetary provisions have been made for the fiscal expenditures required by these policies in 2026, encouraging local entities to actively engage in business [5].