信用卡分期还款也能享受财政贴息

Core Viewpoint - The article discusses the enhancement of personal consumption loan subsidy policies in China to stimulate consumer spending and reduce personal consumption credit costs, with the implementation period extended and support expanded [3]. Group 1: Policy Implementation - The implementation period for the personal consumption loan subsidy policy has been extended from one year to one year and four months, now running from September 1, 2025, to December 31, 2026 [3]. - The subsidy policy now includes credit card installment payments, with an annual subsidy rate of 1% for eligible transactions [4]. Group 2: Subsidy Scope and Standards - The subsidy scope has been broadened, removing previous restrictions on consumption categories, allowing for subsidies on various consumer loans and new credit card installment payments, subject to verification by lending institutions [5]. - The previous cap on individual subsidies for loans under 50,000 yuan has been lifted, while maintaining an annual cap of 3,000 yuan per borrower at a single lending institution [5]. Group 3: Inclusion of Financial Institutions - The policy now includes a wider range of financial institutions, such as city commercial banks, rural cooperative financial institutions, foreign banks, consumer finance companies, and auto finance companies, to enhance the policy's reach [6]. Group 4: Complementary Policies - The article mentions the continuation of the old-for-new consumption policy, supported by 625 billion yuan in long-term special government bonds, aimed at further stimulating consumer spending [7]. - The personal consumption loan subsidy policy is part of a broader strategy to enhance fiscal and financial collaboration, aiming to boost consumer demand and support economic growth [7].