证券时报·2025-08-12 09:32Core Viewpoint - The article outlines the implementation plan for the loan interest subsidy policy aimed at service industry operators, which is designed to stimulate consumption and expand domestic demand in line with government directives [3]. Policy Content - Support Scope: The subsidy applies to loans issued by banks to operators in eight service sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports. Loans must be signed between March 16, 2025, and December 31, 2025, and used for improving consumption infrastructure and service supply capabilities [4]. - Subsidy Standards: The subsidy is set at 1% per annum for a maximum of one year, with a cap of 1 million yuan per loan. The central and provincial governments will cover 90% and 10% of the subsidy, respectively [5]. - Loan Processing Banks: A total of 21 national banks are designated to process these loans, including major banks like the Agricultural Bank of China and the Industrial and Commercial Bank of China [5][6]. Loan Process - Loan Application: Eligible service operators can apply for loans at designated banks, providing necessary documentation [7]. - Approval and Disbursement: Banks will approve loans based on market principles and issue funds promptly, ensuring compliance with subsidy conditions [7]. - Regular Review: Banks are required to report monthly on loan issuance to relevant provincial departments for verification [7]. Subsidy Process - Funding Demand Application: After the policy period, banks will compile and submit subsidy funding requests to provincial finance departments [8]. - Funding Settlement Application: Provincial finance departments will verify and submit settlement requests to the Ministry of Finance [8]. - Funding Disbursement: The Ministry of Finance will allocate funds to provincial departments, which will then distribute them to banks for interest reimbursement to operators [8]. Supervision and Management - Responsibility Enforcement: Local governments will oversee the implementation, with banks responsible for loan approval and management. Industry departments will ensure compliance with subsidy conditions [11]. - Strict Fund Flow Control: Operators must use loan funds for legitimate business activities and are prohibited from misusing funds for real estate or speculative investments [12]. - Accountability Measures: Violations in fund usage or subsidy claims will lead to penalties and recovery of funds [12].