财政金融协同促内需一揽子政策落地

Core Viewpoint - The implementation of a comprehensive policy package aimed at promoting domestic demand through financial collaboration has officially launched, focusing on enhancing micro and small enterprises, boosting private investment, and stimulating consumer spending [1][2]. Group 1: Policy Implementation - The policy package includes measures such as interest subsidies for loans to micro and small enterprises, a special guarantee plan for private investment, and optimized loan interest subsidies for service industry operators and personal consumption loans [1][2]. - The central economic work conference in 2025 emphasized the importance of domestic demand, and the State Council's recent meeting outlined the specific arrangements for this policy package [1]. Group 2: Support for Private Investment - A special guarantee plan with a scale of 500 billion yuan will be established through the National Financing Guarantee Fund, implemented over two years [3]. - Financial subsidies will be provided for fixed asset loans to eligible micro and small private enterprises starting from January 1, 2026, with a focus on long-term loans for scene expansion and upgrades [3]. Group 3: Encouragement of Consumer Spending - The upgraded subsidy policies for personal consumption loans and service industry loans will have greater subsidy amounts, broader coverage, and longer implementation periods [4]. - The subsidy cap for individual consumers has increased from 500 yuan to 3,000 yuan per transaction, while the loan limit for service industry enterprises has risen from 1 million yuan to 10 million yuan [4]. - The inclusion of credit card installment payments and the expansion into digital, green, and retail sectors for consumption activities will further stimulate consumer spending [4].