信用卡分期纳入贴息支持范围，年贴息比例1%

Core Viewpoint - The article discusses the recent upgrades to multiple loan interest subsidy policies aimed at stimulating consumer spending and supporting small and micro enterprises, indicating a shift in government strategy from large-scale infrastructure investment to more targeted financial support [1][3]. Summary by Sections Personal Consumption Loan Subsidy Policy - The optimization of the personal consumption loan subsidy policy includes extending the policy period to the end of 2026, incorporating credit card installment payments into the subsidy scope, and increasing the annual subsidy rate to 1% [3][4]. - The previous limits on subsidy amounts have been removed, allowing for a cumulative annual subsidy cap of 3,000 yuan per borrower at a single institution [3]. Service Industry Loan Subsidy Policy - The subsidy cap for individual service industry loans has been raised from 1 million yuan to 10 million yuan, with new support areas including digital, green, and retail sectors [7][9]. - The expansion of eligible banks for these subsidies now includes city commercial banks and foreign banks with a regulatory rating of 3A or above [8]. Equipment Update Loan Subsidy Policy - The subsidy rate for equipment update loans has been increased to 1.5%, with a focus on high-end, intelligent, green, and digital equipment updates [10][11]. - The policy now includes a wider range of sectors such as construction, aviation, and artificial intelligence, with a streamlined subsidy process [11]. New Subsidy Policy for Small and Micro Enterprises - A new subsidy policy for small and micro enterprises has been introduced, targeting key industry chains and their upstream and downstream sectors, with a subsidy rate of 1.5% for eligible loans [13][14]. - The policy aims to support various sectors including new energy vehicles, medical equipment, and agricultural machinery, with a loan cap of 50 million yuan per borrower [14].