个人消费贷贴息政策优化 花呗联动商家补贴同比增长23%

Group 1 - The Ministry of Finance has optimized the personal consumption loan interest subsidy policy, extending the implementation period to the end of 2026 and removing various limits on subsidies, thereby reducing consumer credit costs and enhancing consumption potential [1] - The policy adjustments include the inclusion of credit card installment payments in the subsidy scope and the expansion of eligible financial institutions to hundreds, benefiting more urban and rural consumers [1] - Ant Group, as one of the first financial institutions to implement the subsidy, has reported a 23% year-on-year increase in subsidies linked to its Huabei installment service since the policy's implementation in September 2025 [1] Group 2 - The "National Subsidy" product section launched on Taobao and Tmall has attracted tens of millions of consumers, indicating a growing consumer interest in subsidized products [2] - During the Double 11 shopping festival, the average installment consumption amount increased by 18% compared to September, with certain sectors like apparel and home appliances seeing over 20% growth in interest-free installment transactions [2] - The optimized personal consumption loan subsidy policy is viewed as a significant measure to support consumption through coordinated efforts among the government, financial institutions, and merchants, aiming to lower consumer barriers and boost sales [2]