【问答】中国建设银行关于中小微企业贷款贴息政策客户关注问题解答

Core Viewpoint - The article discusses the implementation of a loan interest subsidy policy for small and micro private enterprises, aimed at reducing financing costs and stimulating private investment in key industries as per the directives of the central government [1]. Group 1: Policy Scope - The loan interest subsidy policy applies to fixed asset loans and new policy financial tool funds for small and micro private enterprises starting from January 1, 2026, targeting key industry chains and their upstream and downstream sectors [1]. Group 2: Supported Industries - The policy supports various key industries including but not limited to new energy vehicles, industrial mother machines, pharmaceuticals, medical equipment, basic software, industrial software, civil aircraft, servers, mobile communication devices, new displays, instruments, industrial robots, rail transit equipment, marine engineering equipment, agricultural machinery, and emerging fields like artificial intelligence [2]. Group 3: Subsidy Standards - The central government will provide a subsidy of 1.5 percentage points on the principal of eligible loans for a maximum term of 2 years, with a cap of 50 million yuan per borrower. For example, a manufacturer of agricultural machinery could save 1.5 million yuan in interest expenses on a 50 million yuan loan over 2 years [3]. Group 4: Policy Duration - The policy is initially set to last for one year, with the possibility of extension based on further evaluations by relevant authorities [4]. Group 5: Loan and Subsidy Process - Eligible enterprises can apply for loans directly, providing necessary documentation. The bank will approve loans based on market principles and will handle the subsidy payments without charging any service fees [6][7][9]. Group 6: Compliance and Penalties - The bank will monitor the use of loan and subsidy funds, and any serious violations by the enterprises may result in the recovery of subsidy funds [8].