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Core Viewpoint - The article discusses the introduction of significant favorable policies in the consumer sector, specifically the implementation of personal consumption loan interest subsidy policies aimed at boosting consumer spending and economic recovery [2][5]. Summary by Sections Personal Consumption Loan Subsidy Policy - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have issued the "Implementation Plan for Personal Consumption Loan Interest Subsidy Policy," which aims to lower consumer credit costs and stimulate consumer potential from September 1, 2025, to August 31, 2026 [2][5]. - The subsidy is applicable to personal consumption loans (excluding credit card transactions) that are identifiable for actual consumption, with a subsidy rate of 1% per annum, capped at 50% of the loan contract interest rate [5][6]. - The total subsidy limit for each borrower at one lending institution is set at 3,000 yuan (corresponding to 300,000 yuan in eligible consumption), with a specific limit of 1,000 yuan for loans under 50,000 yuan [5][6]. Eligible Loan Institutions - The eligible lending institutions include six major state-owned commercial banks and twelve national joint-stock commercial banks, as well as five other personal consumption loan issuing institutions [6][12]. Service Sector Loan Subsidy Policy - A separate "Implementation Plan for Service Sector Loan Interest Subsidy Policy" has been introduced, targeting eight categories of service industry entities, including accommodation, elderly care, and tourism, to support their loan applications [8][9]. - Loans must be issued by banks to service industry entities and must be used to improve consumer infrastructure and service capabilities, with a subsidy rate of 1% per annum, similar to the personal consumption loan policy [11][12]. - The maximum loan amount eligible for subsidy is capped at 1 million yuan, and the policy may be extended or expanded based on its effectiveness [10][11].