已有银行主动沟通！中小微企业贷款贴息1.5个百分点

Core Viewpoint - The Ministry of Finance has issued a notice to implement a loan interest subsidy policy for small and micro private enterprises, providing a 1.5% annual subsidy on eligible fixed asset loans and new policy financial tool funds starting from January 1, 2026 [1][2][3] Group 1: Policy Details - The subsidy applies to fixed asset loans and new policy financial tool funds for small and micro private enterprises involved in key industry chains, including sectors like new energy vehicles, medical equipment, and artificial intelligence [2][3] - The subsidy is capped at 50 million yuan per loan and is available for a maximum term of 2 years, with the policy initially set for one year but subject to extension [2][3] - The annualized interest rate for some small enterprises, after subsidy, could range between 1.00% and 2.00% [4] Group 2: Implementation and Oversight - Eligible enterprises can apply for loans through designated banks, which will approve loans based on market principles and legal frameworks [4] - The Ministry of Finance and financial regulatory authorities will conduct joint inspections to ensure compliance and prevent misuse of funds [4][5] - There is a strong emphasis on monitoring the flow of funds to ensure they are used for legitimate business upgrades and not for speculative activities [4][5] Group 3: Economic Impact - The policy aims to address the investment shortfall in the private sector, particularly in fixed asset investments, by encouraging small and micro enterprises to invest in high-tech and critical areas [3][5] - The initiative is expected to stimulate economic growth and support the development of new growth drivers within the private economy [3][5]