五项财政金融新政加力促消费扩内需

Core Viewpoint - The Chinese government has introduced a series of financial policies aimed at reducing financing costs for residents and businesses, stimulating consumption, and expanding effective investment through various measures such as interest subsidies and extended implementation periods [1][2][3]. Group 1: Policies for Small and Micro Enterprises - The policy for small and micro enterprises' loan interest subsidies will provide a 1.5% annual subsidy on principal for fixed asset loans and new policy financial tool funds, with a maximum subsidy loan size of 50 million yuan per entity, effective from January 1, 2026 [1]. - A special guarantee plan for private investment has been launched with a total quota of 500 billion yuan over two years, supporting long-term loans for small and micro enterprises in areas like equipment purchase and technological transformation, with a maximum guarantee of 20 million yuan per entity [2]. Group 2: Equipment Update and Service Sector Support - The equipment update loan interest subsidy policy will be extended until the end of 2026, with an expanded support scope that now includes over ten new fields such as construction, artificial intelligence, and digitalization, offering a 1.5% annual subsidy for new technology innovation loans [2]. - The service sector loan interest subsidy policy has been optimized to increase the maximum subsidy to 10 million yuan per entity for new loans issued in 2026, with a 1% annual subsidy rate, and has added new support areas including digital and green consumption [3]. Group 3: Personal Consumption Loan Support - The personal consumption loan interest subsidy policy has been extended until December 31, 2026, now including credit card installment payments with a 1% annual subsidy, and has removed restrictions on consumption fields, allowing for a cumulative subsidy limit of 3,000 yuan per person per year [3].