“双贴息”政策落地！多部门详解申请条件、资金监管等（附时报图说）

Core Viewpoint - The newly announced loan interest subsidy policies aim to stimulate consumer spending and support service industry operators by providing a 1% annual interest subsidy on loans, with the central government covering 90% of the subsidy costs for one year [1][15][44]. Summary by Sections Policy Overview - The two subsidy policies target loans to eight major service sectors and personal consumption loans used for actual consumption [1]. - The policies will undergo evaluation after one year to consider potential extensions or expansions [1][17]. Application Conditions - For personal consumption loans, the key condition is that the loan must be used for genuine consumption, with a maximum subsidy of 500 yuan per single transaction, and up to 1000 yuan for multiple transactions under 50,000 yuan [8][26]. - For service industry loans, funds must be used for operational activities in specified sectors, with a maximum subsidy period of one year [9][45]. Loan Management and Oversight - Loan management and subsidy applications are the responsibility of the lending institutions, requiring no additional actions from borrowers [3][11]. - Financial regulatory bodies will monitor the implementation of these policies to ensure compliance and prevent misuse of funds [4][19]. Financial Institutions Involved - The subsidy policies involve major national banks and select consumer loan institutions, ensuring broad access to the program [15][35][36]. Economic Impact - The policies are designed to enhance consumer capacity and expand effective supply, contributing positively to consumption growth, particularly in the service sector [13][21]. - The collaboration between fiscal and financial policies is expected to amplify the impact of public funds, potentially leading to a significant increase in loan uptake for consumer spending [15][22][46]. Future Directions - The government will assess the effectiveness of the policies and may consider extending the duration or expanding the scope based on the evaluation results [1][17].