财政部等5部门：明确实施中小微企业贷款贴息政策｜政策与监管

Group 1 - The article discusses the implementation of a loan interest subsidy policy for small and micro enterprises in China, aimed at helping them overcome difficulties and promote high-quality economic development [2][3] - The policy will support fixed asset loans and new policy financial tools for eligible small and micro private enterprises starting from January 1, 2026, with a subsidy rate of 1.5% per year for up to two years [3] - The maximum loan amount eligible for the subsidy is 50 million yuan, with a maximum subsidy of 1.5 million yuan per enterprise [3] Group 2 - The supported sectors include key industrial chains, production service industries, and emerging fields such as artificial intelligence, with specific focus areas like new energy vehicles, medical equipment, and industrial software [3] - The Ministry of Finance and the financial regulatory authority will conduct joint inspections to ensure compliance, with strict penalties for serious violations by enterprises or banks involved in fraudulent subsidy operations [3]