8月12日，财政部等九部门联合发布《服务业经营主体贷款贴息政策实施方案》（下称《实施方 案》），对符合条件的服务业经营主体给予年贴息比例1个百分点、贴息期限不超过1年的财政贴息支 持，单户享受的最高贴息金额1万元。 支持范围为餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育等8类消费领域的服务业经营 主体贷款。同时要求，贷款资金合规用于改善消费基础设施和提升服务供给能力。 财政部有关负责人就《实施方案》答记者问，指出服务业经营主体大多为中小企业和个体工商户，他们 一头连着从业者的生计，一头连着居民的生活，可持续经营普遍受到信贷支持规模、融资成本、现金流 稳定性等因素的影响。财政部牵头实施服务业经营主体贷款贴息政策，旨在通过"四两拨千斤"的杠杆效 应，为广大服务业经营主体提供更多低成本金融资源支持，助力进一步疏通实体经济"毛细血管"。 年贴息比例为1个百分点 记者注意到，享受贴息政策的贷款期限条件为，在《提振消费专项行动方案》公开发布之日2025年3月 16日至2025年12月31日期间签订贷款合同且相关贷款资金发放至经营主体的，按照贷款本金对经营主体 进行贴息。 在政策实施上，财政部有关负责人提出简化流 ...

21世纪经济报道记者唐婧 北京报道 继国务院常务会议部署实施个人消费贷款贴息政策与服务业经营主 体贷款贴息政策之后，两项贷款贴息政策的细则正式明确。 据财政部消息，财政部等九部门印发 《服务业经营主体贷款贴息政策实施方案》（以下简称《实施方 案一》），对服务业经营主体贷款贴息政策的支持范围、贴息标准、贷款经办银行、贷款流程、贴息流 程和监督管理等进行了明确。 根据《实施方案一》，餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类消费领域服务 业经营主体满足条件的贷款可享受贴息政策，贴息期限不超过1年，年贴息比例为1个百分点，单户享受 贴息的贷款规模最高可达100万元。经办银行方面，《实施方案一》也明确了名单，包括3家政策性银 行、6家国有行和12家股份行。 据财政部同日消息，财政部等三部门印发《个人消费贷款财政贴息政策实施方案》（以下简称《实施方 案二》），对个人消费贷款财政贴息政策的支持范围、贴息标准、贷款经办银行、组织实施和监督管理 等进行了明确。 根据《实施方案二》，2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消 费贷款（不含信用卡业务）中实际用于消费且可识别 ...

承担贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。 相关贷款包括用 于改善消费基础设施的固定资产贷款以及用于提升服务供给能力的流动资金贷款。同一笔贷款 不得重复享受中央财政其他贴息政策；已享受地方财政相关贴息政策的，此次贴息不得超出扣 除已有贴息后的实际利率水平。 （三）贷款经办银行。中央财政给予贴息的服务业经营主体贷款经办银行为21家全国性银 行，包括国家开发银行、中国进出口银行、中国农业发展银行、中国工商银行股份有限公司、 中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行股份有限公司、交通银行 股份有限公司、中国邮政储蓄银行股份有限公司、中信银行股份有限公司、中国光大银行股份 有限公司、华夏银行股份有限公司、中国民生银行股份有限公司、招商银行股份有限公司、兴 业银行股份有限公司、广发银行股份有限公司、平安银行股份有限公司、上海浦东发展银行股 份有限公司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股份有限公司。 来源：财政部官网 今日， 财政部、民政部、人力资源社会保障部、商务部、文化和旅游部、国家卫生健康委、 中国人民银行、金融监管总局、体育总局 九部门印发《服 ...

8月12日，财政部等九部门联合印发 《服务业经营主体贷款贴息政策实施方案》（以下简称《实施方 案》），对贷款贴息政策支持范围、贴息标准、贷款经办银行、贷款流程、贴息流程和监督管理等进行 了明确。 根据《实施方案》，餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类消费领域服务业 经营主体满足条件的贷款可享受贴息政策，贴息期限不超过1年，年贴息比例为1个百分点，单户享受贴 息的贷款规模最高可达100万元。经办银行方面，《实施方案》也明确了名单，包括3家政策性银行、6 家国有行和12家股份行。 8类服务业经营主体可享贷款贴息 根据《实施方案》，必须同时符合以下条件的贷款才可享受贴息政策：一是由经办银行向餐饮住宿、健 康、养老、托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主体发放。二是在《提振消费 专项行动方案》公开发布之日（2025年3月16日）至2025年12月31日期间签订贷款合同且相关贷款资金 发放至经营主体。三是贷款资金合规用于改善消费基础设施和提升服务供给能力。此外，《实施方案》 还表示，"政策到期后，可视实施效果研究延长政策期限、扩大支持范围"。 在贴息标准上，《实施方案》明确，对于 ...

贴息标准方面，《实施方案》明确，对于经办银行向服务业经营主体发放的贷款，财政部门按照贷款本 金对经营主体进行贴息，贴息期限不超过1年，年贴息比例为1个百分点，中央财政、省级财政分别承担 贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。相关贷款包括用于改善消费基础 设施的固定资产贷款以及用于提升服务供给能力的流动资金贷款。同一笔贷款不得重复享受中央财政其 他贴息政策；已享受地方财政相关贴息政策的，此次贴息不得超出扣除已有贴息后的实际利率水平。 北京商报讯（记者 宋亦桐）8月12日，据财政部官网消息，为贯彻落实党中央和国务院关于大力提振消 费、全方位扩大国内需求的决策部署，财政部、民政部、人力资源社会保障部、商务部、文化和旅游 部、国家卫生健康委、中国人民银行、金融监管总局、体育总局发布关于印发《服务业经营主体贷款贴 息政策实施方案》的通知（以下简称《实施方案》）。 据了解，中央财政给予贴息的服务业经营主体贷款经办银行为21家全国性银行，包括国家开发银行、中 国进出口银行、中国农业发展银行、中国工商银行股份有限公司、中国农业银行股份有限公司、中国银 行股份有限公司、中国建设银行股份有限公司、交 ...

Core Viewpoint - The implementation plan for the service industry loan interest subsidy policy aims to boost consumption and expand domestic demand as directed by the central government [1] Group 1: Policy Overview - The plan specifies the support scope, which includes loans issued to service industry entities in eight consumption sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [2] - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and enhance service supply capacity [2] Group 2: Subsidy Standards - The interest subsidy standard is set at 1% per annum for a maximum period of one year, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [3] - Each entity can receive a maximum loan of 1 million yuan, which can be used for fixed asset loans and working capital loans aimed at improving service capabilities [3] Group 3: Participating Banks - The plan identifies 21 national banks as the lending institutions eligible for the interest subsidy, including major banks such as the Agricultural Bank of China, Industrial and Commercial Bank of China, and China Construction Bank [4]

【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不 对所包含内容的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担 全部责任。邮箱：news_center@staff.hexun.com 格隆汇8月12日｜财政部、中国人民等九部门印发 《服务业经营主体贷款贴息 政策实施方案》，中央财 政给予贴息的服务业经营主体贷款经办银行为21家全国性银行，包括国家开发银行、中国、中国农业发 展银行、中国工商份有限公司、中国股份有限公司、()股份有限公司、中国股份有限公司、股份有限公 司、中国邮政储蓄银行股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、股份有限公 司、()股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、上海浦东发展银行股份有限公 司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股份有限公司。 ...

Core Viewpoint - Financial management departments have implemented measures to support pandemic control and the recovery of the real economy, with a focus on increasing financial resources for key sectors such as infrastructure and technology innovation [1][2]. Group 1: Financial Support Measures - The People's Bank of China reported that in May, the social financing scale increased by 2.79 trillion yuan, a year-on-year increase of 839.9 billion yuan, and a month-on-month increase of approximately 1.88 trillion yuan [2]. - In May, new RMB loans increased by 1.89 trillion yuan, a year-on-year increase of 392 billion yuan, with the cumulative new loan scale exceeding the same period last year [2]. - Banks are setting clear credit growth targets and increasing the assessment of new credit investments, particularly in key areas [2]. Group 2: Financing Channels - The efficiency of financing through stock and bond markets has improved, with 126 IPOs raising a total of 272.38 billion yuan in the first five months of the year [3]. - Corporate bond financing reached 1.68 trillion yuan, and government bond financing reached 3.03 trillion yuan, both showing significant year-on-year increases [3]. - Banks are providing financing support to individual businesses and non-legal entities, with lower costs associated with bond issuance [3]. Group 3: Focus on Key Areas - Financial institutions are increasing support for infrastructure and technology innovation, with a focus on water conservancy projects and major engineering initiatives [4][5]. - The National Development Bank has extended loan terms for major water conservancy projects, with maximum loan terms reaching 45 years [5]. - The bond market has introduced various products to support technology innovation, with over 30 technology innovation bonds issued, raising more than 20 billion yuan [5][6].

Group 1 - Financial institutions are increasingly focusing on infrastructure projects, implementing measures such as green channel approvals and extended loan terms to enhance financing support [1][2][4] - The People's Bank of China has proposed increasing the credit quota for policy banks by 800 billion yuan, with the China Development Bank expected to add around 400 billion yuan to its loan plan [2][6] - The China Development Bank's Ningxia branch issued 17.6 billion yuan in infrastructure loans in the first half of the year, a 2.6 times increase from the previous year, with plans to exceed 30 billion yuan in loans by year-end [2][6] Group 2 - Commercial banks are also ramping up credit support for major projects, aligning their lending strategies with regional development plans [3][4] - Innovative financing methods are being adopted, including the introduction of various loan products and the decentralization of approval processes to enhance efficiency [4][5] - The integration of equity and debt financing solutions is being emphasized, with banks offering comprehensive financial services to meet the long-term funding needs of infrastructure projects [5][6] Group 3 - The collaboration among various departments, local governments, and enterprises is facilitating the inclusion of projects into funding frameworks, thereby creating favorable conditions for financial investments [6] - The expectation is that infrastructure investment will maintain high growth in the second half of the year, serving as a crucial support for the economy [6]

Core Viewpoint - The implementation of policy-oriented development financial tools is expected to significantly boost investment growth and project advancement, particularly through the allocation of 300 billion yuan in financial instruments aimed at supporting major infrastructure projects [2][3]. Group 1: Policy-Oriented Development Financial Tools - The People's Bank of China supports the establishment of financial tools by the National Development Bank and Agricultural Development Bank, with a total scale of 300 billion yuan to address capital shortages for major projects, including new infrastructure [2][3]. - The financial tools are primarily directed towards three categories of projects: key infrastructure areas defined by the Central Financial Committee, major technological innovation fields, and other projects eligible for local government special bonds [2][3]. Group 2: Commercial Banks' Role - Commercial banks are actively engaging with the National Development and Reform Commission and policy banks to facilitate project financing, aiming for early involvement and effective planning [6]. - The Agricultural Bank of China has completed the first matching financing for a major infrastructure fund project, demonstrating the proactive role of commercial banks in supporting infrastructure development [4][5]. Group 3: Economic Impact - The 300 billion yuan financial tools are projected to leverage over 1 trillion yuan in additional financing for infrastructure projects, potentially reaching 1.5 trillion yuan [3]. - The current capital contribution ratio for major projects is around 20%, which could be reduced to as low as 15% with the new financial tools, thereby enhancing the feasibility of financing for infrastructure projects [3].