新华网财经·2026-01-22 12:37Core Viewpoint - The recent policy optimization allows credit card bill installments to enjoy interest subsidies, making them a preferred choice for consumers who typically do not apply for specific consumer loan products [2][3]. Group 1: Policy Changes - The Ministry of Finance, the Financial Regulatory Administration, and the People's Bank of China jointly issued a notice to optimize the implementation of the personal consumer loan interest subsidy policy, which includes raising the subsidy standards and extending the policy period until the end of 2026 [5]. - The subsidy standard has been improved by removing the previous limits on single transaction subsidies and cumulative subsidies for individual borrowers, while maintaining an annual cap of 3,000 yuan for each borrower at one financial institution [5]. Group 2: Credit Card Installment Subsidy - Credit card bill installment services are now included in the subsidy scope, with an annual interest subsidy rate set at 1% [8]. - To benefit from the subsidy, customers must sign a supplementary agreement with their bank for each credit card, and the subsidy will be directly deducted from the installment interest during the billing period [8]. Group 3: Bank Responses and Implementation - Various banks, including Agricultural Bank of China and Bank of Communications, have provided clear guidelines on how to apply for the credit card bill installment interest subsidy, emphasizing the need for customers to sign the supplementary agreement [8][9]. - Banks like China Bank and Postal Savings Bank have streamlined the process, allowing customers to automatically apply the new subsidy policy to transactions made after January 1, 2026, without needing to re-sign agreements [9].