个人消费贷贴息政策延长

Core Viewpoint - The Ministry of Finance has extended the implementation period of the personal consumption loan interest subsidy policy until the end of 2026, aiming to boost consumer spending and reduce the cost of personal consumption credit [1][2]. Group 1: Policy Adjustments - The personal consumption loan interest subsidy policy will now be effective from September 1, 2025, to December 31, 2026, allowing residents to enjoy subsidies for eligible consumption during this period [1][2]. - The policy will be reviewed for potential further extensions based on its effectiveness after the expiration date [1][2]. Group 2: Support for Consumption - The policy encourages innovation in consumer finance, supporting financial institutions in creating new credit products and enhancing collaboration with offline and online platforms to expand the reach of the subsidy [2]. - The scope of the subsidy will be broadened to include credit card installment payments, with an annual subsidy rate of 1% [3]. Group 3: Subsidy Standards and Coverage - The previous limits on the maximum subsidy amount per transaction (500 yuan) and the cumulative subsidy limit per borrower (1,000 yuan) have been removed, while maintaining an annual cumulative subsidy cap of 3,000 yuan per borrower at a single financial institution [3]. - The policy will now include a wider range of financial institutions, such as city commercial banks, rural cooperative financial institutions, foreign banks, consumer finance companies, and auto finance companies [3]. Group 4: Financial Management and Oversight - The subsidy funds will be allocated using a "pre-allocation + settlement" method, with financial institutions required to submit their funding needs by January 31, 2026 [4]. - Provincial financial departments will verify and compile the funding requests and submit them to the Ministry of Finance by February 28, 2026 [4]. - The Ministry of Finance will allocate the subsidy funds in the first quarter of 2026 and conduct a settlement after the policy period ends [4]. Group 5: Supervision and Compliance - Provincial financial departments are tasked with simplifying the subsidy fund allocation process and ensuring efficient use of funds [5]. - Financial institutions must enhance their internal systems to improve the identification of consumer information and monitor the use of loans [6]. - Institutions are required to report on the execution of the subsidy policy, including loan issuance and subsidy amounts, on a monthly basis [6].