事关贷款贴息、民间投资贷款担保等，一揽子政策公布→

Group 1: Loan Subsidy Policies - The Ministry of Finance, along with other departments, has announced the extension of the service industry loan interest subsidy policy until December 31, 2026, with new loans issued between March 16, 2025, and December 31, 2025, subject to existing regulations [2][3] - The subsidy cap for new loans in 2026 is set at 10 million yuan per borrower, with a one-year subsidy period and an interest subsidy rate of 1%, funded by central and provincial finances at a ratio of 90% to 10% [3] - The policy now includes additional support for digital, green, and retail sectors, expanding the existing support areas of dining, health, elderly care, childcare, home services, cultural entertainment, tourism, and sports [3] Group 2: Equipment Update Loan Subsidy Policies - A new notification has been issued to optimize the equipment update loan subsidy policy, which will now include technology innovation loans starting from 2026 [5][6] - The policy will support a wider range of sectors, including construction, energy equipment, aviation materials, electronic information, safety production, and artificial intelligence, among others, to promote high-end, intelligent, green, and digital equipment updates [6] Group 3: Personal Consumption Loan Subsidy Policies - The personal consumption loan subsidy policy has been extended until the end of 2026, with the implementation period adjusted to September 1, 2025, through December 31, 2026 [8][9] - The policy now includes credit card installment payments with a subsidy rate of 1%, and the previous limits on subsidy amounts have been removed, while maintaining an annual cap of 3,000 yuan per borrower at one financial institution [10] Group 4: Support for Small and Micro Enterprises - A new loan subsidy policy for small and micro enterprises has been introduced, effective from January 1, 2026, covering fixed asset loans and new policy financial tools for eligible enterprises [12] - The support will focus on key industrial chains and upstream and downstream industries, as well as productive service industries [12] Group 5: Private Investment Guarantee Plan - A special guarantee plan for private investment has been established with a scale of 500 billion yuan, to be implemented over two years [14] - This plan will provide guarantees for eligible small and micro enterprises' private investment loans, supporting various operational activities such as facility upgrades and renovations [14]