财政部印发财政金融协同促内需一揽子政策

Core Viewpoint - The Ministry of Finance has introduced a comprehensive policy package aimed at promoting domestic demand through support for private investment and consumer spending, consisting of six specific measures. Group 1: Support for Small and Micro Enterprises - A loan interest subsidy policy for small and micro enterprises has been established, offering a 1.5% interest subsidy on eligible fixed asset loans for a maximum term of 2 years, with a loan cap of 50 million yuan and a maximum subsidy of 1.5 million yuan [5] - A special guarantee plan for private investment in small and micro enterprises has been set up, with a scale of 500 billion yuan over two years, increasing the guarantee coverage ratio to 40% and raising the individual guarantee limit from 10 million yuan to 20 million yuan [8] Group 2: Bond Risk Sharing Mechanism - A risk-sharing mechanism for bonds issued by private enterprises has been established, with the Ministry of Finance coordinating with the People's Bank of China to provide credit enhancement support for bond issuance by private enterprises and private equity investment institutions [10] Group 3: Equipment and Service Sector Support - The equipment renewal loan interest subsidy policy has been optimized to include loans for technology innovation and various new sectors, maintaining a 1.5% subsidy rate for a term of 2 years [12] - The service industry loan interest subsidy policy has been extended to the end of 2026, increasing the maximum subsidy per loan from 10,000 yuan to 100,000 yuan and adding support for digital, green, and retail sectors [14] Group 4: Consumer Loan Support - The personal consumption loan interest subsidy policy has been extended to the end of 2026, including credit card installment payments and removing restrictions on the consumption sector and individual loan subsidy caps [17] Group 5: Implementation and Future Steps - The Ministry of Finance plans to leverage the first quarter's consumption peak by coordinating central policies with local financial policies to maximize the benefits of the central fiscal policy and ensure rapid and effective implementation [19]