（央视财经《经济信息联播》）个人消费贷款，是银行等金融机构向符合条件的自然人发放，用于个人 及家庭明确消费用途的本外币贷款，不得用于购房、投资、生产经营等。财政部等三部门近日发布通 知，升级优化个人消费贷款财政贴息政策。落地情况如何？ 总台央视记者 刘彦霖：此次的新政策，相比去年9月开始实施的个人消费贷款贴息政策，有多方面的优 化升级，包括将政策实施期限延长至2026年年底、将信用卡分期业务纳入贴息范围等。这两天，多家银 行都已发布公告，将落实政策优化相关服务。 新政策还拓展了可以享受贴息的消费领域，比如，之前单笔超过5万元的消费，只有在购车、购买家 电、旅游等重点领域才可享受贴息，而新政策已将这一限制取消，只要用于消费都可以享受贴息。同时 还取消了单笔消费贴息金额上限500元的要求，以及单家机构单笔5万元以下累计消费贴息上限1000元的 要求。此外，增加了经办机构，纳入监管评级3A以上的银行及消费金融公司、汽车金融公司，从原来 23家增加到500多家。 编辑：令文芳 交通银行上海市分行信用卡部信用卡产品与推广经理 茹吉：我们以符合条件的10万元账单分期、分6 期、年化利率5%单例为例：第1期按本金10万元计 ...

信用卡作为线上线下消费场景最常用、最重要支付工具，日均交易笔数巨大、消费场景多元。政策覆盖 至信用卡分期，意味着金融"活水"能以更便捷、更高频的方式触达消费终端。广发信用卡紧跟国家"促 消费、惠民生"步伐，迅速上线信用卡账单分期贴息活动。通过"发现精彩"APP、手机银行、微信公众 号等多元便捷渠道，持卡人可轻松申请办理，享受年化1个百分点的贴息优惠，切实减轻分期负担。政 策执行期内，每位持卡人享有累计最高每年3000元的贴息额度支持，确保了红利的广泛可达与高效落 地。 1月20日，财政部等三部门联合印发《关于优化实施个人消费贷款财政贴息政策有关事项的通知》，对 个人消费贷款贴息政策作出多项重要优化。此次调整首次将信用卡账单分期业务正式纳入贴息支持范 围，给予年化1个百分点的贴息比例，并将政策实施期限延续至2026年底。这意味着，原本主要面向消 费贷产品的财政贴息红利，正式延伸至更高频、更广泛的信用卡日常消费场景。政策发布后，广发信用 卡迅速响应，上线信用卡账单分期贴息活动，将政策"暖意"转化为促消费"实招"，为开年消费市场注入 金融活水。更真正将国家的大政方针落子于消费者个体的柴米油盐之上，把国家的宏观叙事通 ...

Core Viewpoint - The Chinese government is implementing a series of fiscal policies aimed at expanding domestic demand, stimulating private investment, and promoting consumer spending to drive high-quality economic development [1][3]. Group 1: Policy Framework - The policies are summarized as "one goal," "two focuses," "three principles," and "six policies" [1]. - "One goal" refers to the expansion of domestic demand, aligning with the central economic work conference's directives [1]. - "Two focuses" emphasize increasing efforts to stimulate private investment and promote consumer spending, both crucial components of domestic demand [1]. Group 2: Principles of Policy Design - The first principle is to ensure "convenience and efficiency," simplifying processes so that benefits can be accessed without application [3]. - The second principle is "precision and effectiveness," targeting key sectors and groups to lower financing costs and enhance consumer capacity [3]. - The third principle is "standardization and efficiency," balancing the effective use of policies while preventing fraudulent claims for fiscal funds [3]. Group 3: Six Key Policies - The first policy is a loan interest subsidy for small and micro enterprises, providing a 1.5% subsidy on loans for key industries such as new energy vehicles and medical equipment, with a maximum loan amount of 50 million yuan [4]. - The second policy is a special guarantee plan for private investment, offering guarantees for loans up to 20 million yuan for small and micro enterprises [4][5]. - The third policy involves a risk-sharing mechanism for private enterprise bonds, where the central government provides funds to support bond issuance and mitigate investor losses [5]. - The fourth policy is an updated equipment loan interest subsidy, expanding the scope to include loans related to fixed asset updates and technological innovation, with a 1.5% subsidy [5]. - The fifth policy is a loan interest subsidy for service industry entities, increasing the maximum loan amount from 1 million to 10 million yuan, with a 1% subsidy [6]. - The sixth policy is a personal consumption loan interest subsidy, providing a 1% subsidy for loans used for consumption, including credit card installment payments [6].

【大河财立方消息】1月20日，国新办举行发布会，介绍发挥积极财政政策作用，推动经济社会高质量 发展有关情况。 相关报道： 责编:史健 | 审核:李震 | 监审:古筝 财政部副部长廖岷介绍，本次优化调整个人消费贷款贴息政策，将信用卡账单分期业务纳入到了贴息范 围，取消现有政策当中对一些消费领域的限制。新政策意味着只要是消费贷款都可以享受贴息。 ...

Core Viewpoint - The introduction of local personal consumption loan interest subsidy policies in Sichuan province is creating opportunities for regional banks, particularly Harbin Bank, to expand their market presence in the southwest region [1][3][4]. Policy Benefits - Harbin Bank is actively implementing the Sichuan provincial interest subsidy policy for personal consumption loans, which allows customers to benefit from interest subsidies when obtaining loans for local consumption [1][2]. - The subsidy rate is set at 1% per annum, covering various consumption categories, including household appliances, automobiles, education, and healthcare [2]. Strategic Layout - Harbin Bank's quick response to the subsidy policy reflects its strategic focus on the southwest market, where it has a significant revenue contribution of 16.2% from the region [3][4]. - Other banks, such as Chengdu Bank, are also taking advantage of the local subsidy policies, indicating a competitive landscape where regional banks are positioning themselves in the consumer finance sector [4][6]. Market Dynamics - The implementation of local subsidy policies is seen as a way for smaller banks to compete against larger national banks that benefit from federal subsidies [6][9]. - The competition in the consumer finance market is expected to intensify as more regional banks adopt similar subsidy strategies, potentially reshaping the market dynamics [9]. Future Outlook - The ongoing development of local subsidy policies across various regions may lead to a more competitive environment for consumer finance, with regional banks leveraging local advantages [7][9]. - The ability of banks to maintain customer relationships and service quality post-subsidy will be crucial for long-term success in the consumer finance market [8].

Core Viewpoint - Chengdu Bank announced a personal consumption loan interest subsidy policy in Sichuan Province, effective from October 1, 2023, to March 31, 2026, aimed at supporting consumer spending within the province [1][4]. Summary by Categories Policy Details - The subsidy applies to personal consumption loans issued by local institutions for actual consumption in Sichuan Province [1][4]. - Eligible consumption includes single transactions below 50,000 yuan and significant expenditures in key areas such as automobiles, education, and healthcare [1][4]. - For transactions exceeding 50,000 yuan, the subsidy will be calculated based on a maximum consumption amount of 50,000 yuan [1][4]. Financial Terms - The annual subsidy rate is set at 1%, calculated on the principal of eligible personal consumption loans used for consumption, with a cap of 50% of the contract interest rate [1][4]. - Each borrower can receive a maximum subsidy of 1,500 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [1][4]. - For single transactions below 50,000 yuan, the cumulative subsidy limit is 500 yuan, corresponding to a total eligible consumption amount of 100,000 yuan [1][4].

Core Viewpoint - The article discusses the challenges and experiences of individuals applying for consumer loan interest subsidies in China, highlighting the complexities of the process and the varying success rates among applicants [2][10]. Group 1: Application Process and Challenges - The application for consumer loan interest subsidies has been in effect since September 1, with many applicants facing confusion regarding the process and requirements for successful subsidy claims [2][4]. - Applicants generally find it easy to apply for loans, but the key challenge lies in securing a low interest rate and ensuring the subsidy is granted [2][10]. - Successful applicants typically secured loans at an interest rate around 3.0%, with state-owned banks offering lower rates compared to joint-stock commercial banks [10][11]. Group 2: Conditions for Subsidy Eligibility - To qualify for the subsidy, the loan must be used for genuine consumption, and funds cannot be transferred to personal accounts or withdrawn as cash [3][4]. - The subsidy is applicable to personal consumption loans used for specific categories, including home renovations, education, and healthcare, with a maximum subsidy limit of 3,000 yuan for eligible consumption amounts [6][12]. - The subsidy is calculated based on actual consumption and the loan's interest rate, with a standard annual subsidy rate of 1% [4][8]. Group 3: Experiences of Applicants - Some applicants reported successful subsidy claims after using company accounts for payments, while others faced difficulties due to the use of personal accounts, which complicated the identification of genuine consumption [5][7]. - The article includes anecdotes from various applicants, illustrating the uncertainty surrounding the subsidy process, with some only discovering their subsidy status on the repayment date [6][8]. - A notable case involved an applicant who successfully received a subsidy of 37.33 yuan on a loan of 48,000 yuan, reflecting the complexities in calculating the exact subsidy amount [7][8]. Group 4: Variations in Bank Policies - Different banks have varying policies regarding the application and approval of consumer loan interest subsidies, with some requiring in-person applications and others allowing online submissions [10][12]. - The article highlights that applicants with stable income and good credit histories are more likely to secure favorable loan terms and subsidies [10][11]. - There are indications that joint-stock banks may have higher interest rates compared to state-owned banks, which could influence applicants' decisions on where to apply for loans [10][11].

Group 1: Financial Growth Metrics - Social financing (社融) stock increased by 8.7% year-on-year, a slight decrease of 0.1 percentage points from the previous month[5] - Loan stock grew by 6.6% year-on-year, down 0.2 percentage points from the previous month[5] - M1 increased by 7.2% year-on-year, up 1.2 percentage points from the previous month[5] - M2 rose by 8.4% year-on-year, down 0.4 percentage points from the previous month[5] Group 2: Support for Social Financing - Three main supports for social financing data include: new policy financial tools, ongoing personal consumption loan interest subsidies, and early issuance of debt limits for 2026[5] - Corporate bond net financing, non-financial corporate domestic stock financing, and discounted bills increased by 203.1 billion, 37.2 billion, and 192.3 billion yuan respectively year-on-year[5] - Government bond financing contributed 3.87 percentage points to social financing growth, a decrease of 0.12 percentage points from the previous month[5] Group 3: Loan Structure and Rates - Corporate short-term loans increased by 250 billion yuan year-on-year, reaching 710 billion yuan in September[5] - The weighted average interest rate for newly issued corporate loans was approximately 3.1%, unchanged from the previous month and down 40 basis points year-on-year[5] - The balance of inclusive small and micro loans reached 36.09 trillion yuan, growing by 12.2% year-on-year, an increase of 0.4 percentage points from the previous month[5]

Group 1 - The personal consumption loan interest subsidy policy was officially implemented on September 1, with a cumulative subsidy cap of 3000 yuan and a maximum subsidy of 1000 yuan for individual loans below 50,000 yuan [1][2] - The policy aims to lower credit costs, stimulate consumer willingness, and guide consumption direction, which is expected to positively impact short-term consumption and expand domestic demand [1][9] - Banks are expanding the types of subsidized loan products, including various personal loans and consumer finance options [3] Group 2 - Financial technology platforms and e-commerce companies are actively responding to the subsidy policy, allowing users to enjoy subsidies directly through their platforms [5][7] - The digital operation of the entire process from application to subsidy redemption is more efficient on these platforms compared to traditional banks, which rely on manual approval [8] - The increase in personal consumption loan issuance by commercial banks in the first half of the year indicates a growing focus on consumer lending, with significant growth rates reported by several banks [8][9]

Core Viewpoint - The China Postal Savings Bank is implementing a personal consumption loan interest subsidy policy to reduce consumer credit costs, stimulate consumption potential, and enhance market vitality, in line with the national policy outlined in the document 财金〔2025〕80号 [1] Group 1: Policy Implementation - The consumption loan interest subsidy policy is applicable from September 1, 2025, to August 31, 2026, for personal consumption loans issued by the Postal Savings Bank that are used for consumption [3] - The subsidy covers various consumption areas, including household vehicles, education, cultural tourism, home decoration, electronic products, and healthcare [2] - The annual subsidy rate is set at 1 percentage point, with a maximum limit of 50% of the loan contract interest rate [4] Group 2: Subsidy Limits and Process - Each borrower can receive a total subsidy cap of 3,000 yuan, corresponding to a cumulative consumption amount of 300,000 yuan, with a specific cap of 1,000 yuan for loans under 50,000 yuan [6] - The subsidy amount will be directly deducted from the interest charged on the loan at the time of interest settlement [5] - Customers can apply for the subsidy through the regular loan process, and if the system cannot identify the consumption, they can provide proof for manual review [7] Group 3: Authorization and Communication - Starting from September 1, 2025, customers must sign a fiscal subsidy authorization when applying for loans to allow the bank to identify consumption transactions [8] - Customers can check the details of the subsidy through SMS or the bank's mobile app without any additional steps [10] - The subsidy process can be conducted through the bank's mobile app or physical branches, and no additional fees will be charged for the subsidy [11][12]