21世纪经济报道·2026-01-20 14:43Core Viewpoint - The article discusses the recent announcement by the Ministry of Finance regarding a package of policies aimed at stimulating domestic demand and promoting high-quality economic development, with a focus on two key interest subsidy policies for the service industry and personal consumption loans [1][4]. Group 1: Policy Duration - The personal consumption loan interest subsidy policy will be uniformly implemented by Agricultural Bank of China, Bank of China, and Postal Savings Bank from September 1, 2025, to December 31, 2026 [5]. - The service industry loan interest subsidy policy, currently announced only by Agricultural Bank, will also be effective until December 31, 2026, with existing loans issued between March 16, 2025, and December 31, 2025, continuing under previous regulations [5]. Group 2: Subsidy Scope Optimization - The inclusion of credit card business: Credit card bill installment plans are now part of the subsidy scope, applicable for new applications from January 1, 2026, to December 31, 2026, with a subsidy rate of 1% per annum, capped at 50% of the agreed annualized interest rate [6]. - Adjustments in personal consumption loan standards include the removal of a 500 yuan cap on single transaction subsidies, elimination of a 1,000 yuan cap for cumulative transactions under 50,000 yuan, while maintaining a 3,000 yuan annual cap for all personal consumption loans [6]. - For service industry loans, three new categories—digital, green, and retail—are added to the existing eight categories, and the maximum subsidy per loan is increased from 1 million yuan to 10 million yuan [6]. Group 3: Important Considerations - Fraudulent activities are strictly prohibited, and any misuse of funds will be legally addressed, with banks retaining the right to recover subsidies already granted [7]. - No fees will be charged during the loan and subsidy processes, and banks will not engage third parties for these services [7]. - Overdue loans will not qualify for subsidies, and borrowers must settle all outstanding principal and interest before being eligible for the subsidy [7]. Group 4: Inquiry Channels - Customers can check subsidy details through bank SMS, mobile banking apps, physical branches, or customer service hotlines, with specific business details to be confirmed through official channels [8].