Group 1 - The core focus of the policy package is to stimulate private investment through four key policies that lower financing costs and thresholds for small and micro enterprises [2][3] - A new loan interest subsidy policy for small and micro enterprises will provide a 1.5% annual subsidy on loans up to 50 million yuan, targeting 14 key industries including new energy vehicles and industrial robots [2] - A special guarantee plan for private enterprises will support medium to long-term loans for business expansion and upgrades, with a total guarantee amount of 500 billion yuan over two years [2] Group 2 - A risk-sharing mechanism for private enterprise bonds will provide credit enhancement support, compensating investors for partial losses [3] - The equipment update loan interest subsidy policy has been optimized to include a broader range of loans related to fixed assets and technological innovation, maintaining a 1.5% subsidy for up to two years [3] - The "dual subsidy" policy for personal consumption loans has been extended to December 31, 2026, with an increased maximum loan amount eligible for interest subsidies from 1 million yuan to 10 million yuan [4][5] Group 3 - The overall fiscal expenditure for 2026 will increase, with a deficit rate set at around 4%, and new government debt expected to reach 11.86 trillion yuan, reflecting a proactive fiscal policy [6] - The fiscal department aims to ensure that necessary expenditures increase while maintaining a focus on enhancing the quality and effectiveness of spending [6] - Reforms in fiscal and tax policies will be implemented to strengthen local fiscal development and support the construction of a unified national market [7]
财政金融促内需一揽子政策落地 为中小微企业贷款贴息、担保；财政赤字将保持必要水平，确保总体支出力度“只增不减”
Zheng Quan Shi Bao·2026-01-20 22:03