实探银行消费贷业务：利率仍在3%以上

Core Viewpoint - The newly introduced personal consumption loan subsidy policy, effective from September 1, 2025, offers a 1% annual subsidy for eligible loans, but banks are still awaiting specific implementation guidelines and operational details [3][4][5]. Group 1: Policy Implementation - The policy was announced on August 12, 2025, but banks have not yet received detailed execution notifications [3][4]. - Banks are preparing for the policy, but there is uncertainty regarding its impact on loan interest rates and the timing of subsidy application [5][6]. - The subsidy will be directly deducted from the interest charged to borrowers, with banks required to report their expected loan issuance and subsidy needs to the Ministry of Finance [6][7]. Group 2: Subsidy Details - The subsidy is capped at 1% of the actual loan amount used for consumption, with a maximum of 50% of the loan contract interest rate [7][8]. - Each borrower can receive a total subsidy of up to 3,000 yuan, corresponding to a total consumption amount of 300,000 yuan, with a limit of 1,000 yuan for individual loans below 50,000 yuan [7][8]. Group 3: Loan Rates and Monitoring - Current consumer loan rates remain above 3%, with banks maintaining a minimum rate of 3% [9][11]. - The policy emphasizes monitoring the actual use of loans to ensure they are spent on consumption, with specific categories eligible for the subsidy [11][12]. - Banks are expected to enhance monitoring of loan usage to prevent misuse of funds, with strict penalties for violations [12][13].