关于实施中小微企业贷款贴息政策的通知财金〔2026〕4号

Core Viewpoint - The article outlines a new policy for providing interest subsidies on loans to small and micro enterprises in China, aimed at promoting investment and enhancing economic resilience [3]. Policy Content - Eligible Entities: The policy applies to all small and micro private enterprises involved in key industry chains and their upstream and downstream sectors, including those recommended by financing coordination mechanisms [3]. - Targeted Sectors: The policy supports various sectors including new energy vehicles, industrial mother machines, pharmaceuticals, medical equipment, software services, and emerging fields like artificial intelligence [4]. - Interest Subsidy Standards: Starting from January 1, 2026, eligible loans will receive a 1.5% annual interest subsidy from the central government, with a maximum loan amount of 50 million yuan per enterprise and a policy duration of one year [4][5]. Implementation Mechanism - Participating Banks: The policy involves 21 national banks and certain city and rural commercial banks with a financial regulatory rating of 3A or above [5]. - Operational Workflow: The process includes loan applications by enterprises, pre-allocation of subsidy funds, monthly reporting of loan issuance, and annual settlement of subsidy funds [7][8][10]. Supervision and Management - Information Reporting: Banks are required to report on the execution of the policy monthly, including loan issuance and subsidy usage, to ensure transparency and compliance [10]. - Regulatory Oversight: The Ministry of Finance and financial regulatory authorities will conduct joint inspections to ensure proper use of funds and compliance with the policy [11].