Ren Min Ri Bao·2026-01-23 02:50Core Viewpoint - The six major banks in China have collectively announced the implementation of the latest fiscal interest subsidy policy for personal consumption loans, aiming to enhance related services and support consumer spending [1]. Group 1: Policy Implementation - The implementation period for the fiscal interest subsidy policy for personal consumption loans has been extended to December 31, 2026 [1]. - The scope of support has been expanded to include credit card bill installment services [1]. Group 2: Subsidy Expansion - The subsidy field has been broadened by removing the restriction on single transactions of 50,000 yuan and above [1]. - The subsidy standard has been improved by eliminating the cap of 500 yuan on single transaction subsidies and the previous limit of 1,000 yuan on cumulative subsidies for each borrower at a single institution [1]. Group 3: Existing Agreements - For loans that have already signed the "Fiscal Interest Subsidy Service Agreement for Personal Consumption Loans," any consumption occurring after January 1, 2026, will automatically apply the latest fiscal interest subsidy policy without the need to re-sign the agreement [1].