事关贷款贴息、中小微企业贷款担保等，一揽子政策公布

Group 1: Policy Extensions and Enhancements - The implementation period for the service industry loan interest subsidy policy has been extended to December 31, 2026, with loans issued between March 16, 2025, and December 31, 2025, subject to existing regulations [1] - The maximum loan amount eligible for interest subsidies has been increased to 10 million yuan, with a subsidy period not exceeding one year and an annual interest subsidy rate of 1% [2] - The support scope has been expanded to include three new consumption sectors: digital, green, and retail, in addition to the existing eight sectors [3] Group 2: Equipment Update Loan Support - The support scope for the equipment update loan interest subsidy policy has been expanded to include new technology innovation loans issued by banks starting in 2026 [4][5] - Additional support areas include construction and municipal projects, energy equipment, aviation materials, electronic information, safety production, and more, focusing on high-end, intelligent, green, and digital equipment updates [6] Group 3: Personal Consumption Loan Support - The personal consumption loan interest subsidy policy has been extended to the end of 2026, with the new implementation period from September 1, 2025, to December 31, 2026 [7] - Credit card installment payments have been included in the support scope, with an annual interest subsidy rate of 1% [8] - The previous limits on interest subsidies for individual transactions and cumulative amounts have been removed, while maintaining an annual cap of 3,000 yuan per borrower at a single institution [9] Group 4: Support for Small and Micro Enterprises - A new interest subsidy policy for loans to small and micro enterprises has been announced, effective from January 1, 2026, covering fixed asset loans and new policy financial tools for eligible enterprises [10][11] 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 loans to small and micro enterprises, supporting various operational activities including facility upgrades and business operations [18]