年贴息比例为1个百分点！9月起，这些个人消费贷款可享受财政贴息

Core Viewpoint - The article discusses the implementation of a new personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration, aimed at stimulating consumer spending from September 1, 2025, to August 31, 2026 [3][4]. Summary by Sections Policy Implementation - The subsidy policy applies to personal consumption loans issued by financial institutions, excluding credit card transactions, that are used for consumption and can be verified through loan accounts [3]. - The subsidy covers consumption amounts below 50,000 yuan and includes key areas such as home appliances, automobiles, education, and healthcare [3][4]. Loan Issuing Institutions - The policy involves six major state-owned commercial banks and twelve national joint-stock commercial banks, along with five other personal consumption loan providers [5]. Subsidy Standards - The annual subsidy rate is set at 1% of the actual consumption loan principal, with a maximum limit of 50% of the loan contract interest rate [7]. - Each borrower can receive a total subsidy cap of 3,000 yuan across all loans from one institution, with a specific cap of 1,000 yuan for loans below 50,000 yuan [8]. Key Areas for Subsidy - The subsidy focuses on several key consumption areas, including: - Home automobiles, covering purchase, insurance, and maintenance [9]. - Elderly care and childbirth services [10]. - Education and training programs [11]. - Cultural tourism services [12]. - Home decoration and appliances [13]. - Electronic products like smartphones and computers [14]. - Health and medical services [15].