中国基金报·2025-08-13 03:06Core Viewpoint - The six major state-owned banks in China have collectively announced their response to the newly implemented personal consumption loan interest subsidy policy, which will take effect from September 1, 2025, with a focus on market-oriented and legal principles [2]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have jointly developed the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" [2]. - Agricultural Bank and Postal Savings Bank were the first to announce their compliance with the new policy, indicating that they will provide interest subsidies for eligible personal consumption loans [2]. Group 2: Participation of Other Banks - Other banks, including several joint-stock banks such as China Merchants Bank, Zheshang Bank, Shanghai Pudong Development Bank, Guangfa Bank, and Industrial Bank, have also begun to issue announcements regarding interest subsidies for qualifying loans [11]. - The implementation of the subsidy policy involves a total of six major state-owned commercial banks and twelve nationwide joint-stock banks, along with five other personal consumption loan issuing institutions [17]. Group 3: Consumer Awareness - Banks have emphasized that they will not charge any fees for processing personal consumption loan interest subsidy applications, urging consumers to be cautious of potential scams related to this service [17]. - There are reports of asset management companies not listed in the official announcement attempting to exploit the situation by promoting personal consumption loan interest subsidies through social media, highlighting the need for consumers to verify the legitimacy of the channels they use [17].