重大利好！财政部等部门发布多项政策“大礼包”

Core Viewpoint - The article discusses multiple policy announcements from the Ministry of Finance and other departments aimed at extending financial support for various sectors, particularly focusing on service industries, personal consumption, and small to medium enterprises (SMEs) through loan interest subsidies and guarantees [2][4][7]. Group 1: Service Industry Loan Subsidies - The implementation period for the service industry loan interest subsidy policy has been extended to December 31, 2026 [4][6]. - The maximum loan amount eligible for interest subsidies has been increased to 10 million yuan for new loans issued in 2026, with a subsidy period not exceeding one year and an annual subsidy rate of 1% [4][3]. - The policy now includes additional support for digital, green, and retail consumption sectors, expanding the previous focus areas [5]. Group 2: Personal Consumption Loan Subsidies - The personal consumption loan interest subsidy policy has also been extended to December 31, 2026, with the adjusted implementation period from September 1, 2025, to December 31, 2026 [7][6]. - The subsidy standards have been improved by removing the previous limits on single transaction subsidies and cumulative consumption subsidy caps for individual borrowers [7][6]. Group 3: Special Guarantee Plan for Private Investment - A special guarantee plan for private investment has been introduced with a total quota of 500 billion yuan, to be implemented over two years [9][8]. - This plan aims to support eligible loans for SMEs, covering various operational needs such as equipment purchases, technological upgrades, and business expansions [9]. Group 4: Equipment Update Loan Subsidies - The equipment update loan interest subsidy policy has been optimized, allowing for a subsidy of 1.5% on fixed asset loans for equipment updates, applicable for up to two years [11][10]. - The policy will also include support for new technology innovation loans issued by banks starting in 2026 [11]. Group 5: SME Loan Subsidies - A loan interest subsidy policy for SMEs has been announced, providing a 1.5% annual subsidy on fixed asset loans issued from January 1, 2026, for a maximum period of two years [13][14]. - The maximum loan amount eligible for subsidies is set at 50 million yuan, with the policy initially valid for one year [14].