INDUSTRIAL BANK(SH:601166) Xin Lang Cai Jing·2026-01-23 13:20Group 1 - The personal consumption loan interest subsidy policy has been extended until December 31, 2026, with the new implementation period from September 1, 2025, to December 31, 2026 [1][10] - The subsidy scope has been expanded to include credit card bill installments (limited to RMB bills) and the previous restrictions on consumption fields have been removed [2][11] - The previous cap of 500 RMB for single transaction subsidies and the cumulative subsidy limit of 1000 RMB for personal loans under 50,000 RMB have been removed, while the annual cumulative subsidy limit remains at 3000 RMB per borrower [3][12] Group 2 - Customers who have previously signed the subsidy agreement will automatically benefit from the new subsidy policy starting January 1, 2026, without needing to sign a new agreement [4][12] - The annual subsidy rate for credit card bill installments is set at 1 percentage point, not exceeding 50% of the agreed annualized interest rate at the time of installment [5][13] - Customers can apply for the subsidy through official channels, and no service fees will be charged during the process [7][17] Group 3 - Customers will lose the right to the subsidy if they make early repayments, have overdue credit card accounts, or violate the terms of the credit card installment agreement [6][16] - The bank will strictly prohibit fraudulent activities related to subsidy claims, and any violations will be recorded in the borrower's credit history [8][18]