额度提升成为新政核心突破点，单户可享受贴息的2026年新发放贷款规模上限，从100万元大幅提高至 1000万元，年贴息比例保持1个百分点，贴息期限最长1年，切实缓解服务业经营主体资金压力。 符合条件的经营主体可按常规流程申请个人经营贷款，通过手机银行或营业网点签署贴息合同，经政府 审核通过，即可享受政策红利。银行将定期汇总贷款情况报省级部门审核，收到贴息资金后在收息环节 代财政支付贴息资金，通过短信等方式告知客户，全程无额外费用。同时，银行严格禁止"包装贷"等违 规行为，强化风险防控，保障政策精准落地。 此次政策优化是财政与金融协同发力的重要举措，通过"扩领域、提额度、延期限"的组合拳，有效降低 服务业经营主体融资成本。邮储银行相关负责人表示，将持续优化服务流程，确保政策红利直达快享， 助力服务业高质量发展，为扩大内需、提振消费提供坚实金融支撑。 （文章来源：中国新闻网） 为加力支持扩大内需、释放服务消费潜力，财政部等部门于1月19日发布《关于优化实施服务业经营主 体贷款贴息政策的通知》，对服务业贷款贴息政策进行重磅优化。中国邮政储蓄银行迅速响应，全面落 实新政要求，全方位升级服务，为服务业经营主体注入低成本 ...

Core Viewpoint - The Ministry of Finance and other departments have announced an extension of the loan interest subsidy policy for service industry operators until December 31, 2026, with specific provisions for loans issued between March 16, 2025, and December 31, 2025 [1] Group 1: Policy Extension - The loan interest subsidy policy for service industry operators will be extended until December 31, 2026 [1] - Loans issued during the period from March 16, 2025, to December 31, 2025, will follow the existing subsidy policy guidelines [1] Group 2: Subsidy Limits - The maximum loan amount eligible for interest subsidies is set at 10 million yuan per borrower for new loans issued in 2026 [1] - The interest subsidy period will not exceed one year, with an annual subsidy rate of 1% [1] - The funding for the subsidies will be shared between the central government (90%) and provincial governments (10%) [1] Group 3: Expanded Support Areas - The policy will expand its support to include three additional consumption sectors: digital, green, and retail, alongside the existing eight sectors such as catering, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1]

Group 1 - The core viewpoint of the news is the extension and expansion of the fiscal interest subsidy policy for service industry operators in China, aimed at boosting domestic demand [1][2] Group 2 - The fiscal interest subsidy policy for service industry operators has been extended for one year until December 31, 2026, with a possibility of further extension based on circumstances [1] - The policy now includes three additional consumption sectors: digital, green, and retail, expanding the previous eight sectors [1] Group 3 - The maximum loan amount eligible for interest subsidies has been increased from 1 million yuan to 10 million yuan per borrower for new loans issued in 2026, with a subsidy period not exceeding one year [2] - The annual interest subsidy rate remains at 1%, consistent with previous regulations [2] Group 4 - The number of banks eligible to process these loans has been expanded to include city commercial banks, provincial rural commercial banks, rural commercial banks in provincial capital cities, and foreign banks, in addition to the previously designated 21 national banks [2] - The Ministry of Finance aims to leverage this policy to provide low-cost financial resources to service industry operators, thereby enhancing the supply of high-quality service consumption to meet growing public demand [2]

Core Viewpoint - The Ministry of Finance and other departments have announced a policy to optimize the implementation of loan interest subsidy for service industry operators, aiming to boost consumption and expand domestic demand by leveraging fiscal funds to guide financial institutions in supporting quality service supply and innovative consumption scenarios [1][2]. Group 1: Policy Implementation - The implementation period for the loan interest subsidy policy has been extended to December 31, 2026, with loans issued between March 16, 2025, and December 31, 2025, following the existing subsidy scheme [1]. - The maximum loan amount eligible for interest subsidy has been increased to 10 million yuan per borrower, with a subsidy period not exceeding one year and an annual interest subsidy rate of 1% [1]. Group 2: Supported Sectors - The policy now includes support for three additional consumption sectors: digital, green, and retail, alongside the existing eight sectors such as catering, health, and tourism [2]. - The digital sector corresponds to "Internet and related services" and "digital content services," while the green sector includes categories like "energy-efficient buildings" and "green transportation" [2]. Group 3: Banking Institutions - A total of 21 national banks and various city commercial banks, rural commercial banks, and foreign banks are included as eligible institutions for processing these loans [3]. Group 4: Operational Mechanisms - The provincial finance departments will optimize existing processes and establish a joint review mechanism with industry management departments and financial institutions to enhance efficiency and reduce redundancy [3]. - The subsidy funds will be allocated using a "pre-allocation + settlement" method, with specific deadlines for applications and settlements outlined for both banks and provincial finance departments [4]. Group 5: Supervision and Management - The Ministry of Finance will conduct joint inspections to ensure compliance, with strict penalties for banks and operators involved in fraudulent activities [6]. - Financial institutions are required to monitor the use of loan funds to prevent misuse for investment or speculative activities [6]. Group 6: Reporting and Flexibility - Banks must report on policy execution, including loan issuance and subsidy usage, within specified timeframes to ensure transparency [11]. - The policy encourages flexible borrowing and repayment models for service operators, while loans that are overdue or classified as non-performing will not receive subsidies [7].

Core Viewpoint - The Ministry of Finance has announced an extension of the loan interest subsidy policy for service industry operators until December 31, 2026, with specific provisions for loans issued between March 16, 2025, and December 31, 2025 [1] Group 1: Policy Details - The maximum loan amount eligible for interest subsidies for new loans issued in 2026 is set at 10 million yuan, with a subsidy period not exceeding one year and an annual interest subsidy rate of 1% [1] - The funding for the interest subsidies will be shared by the central and provincial finances, with a distribution of 90% and 10% respectively [1] Group 2: Supported Sectors - In addition to the existing eight sectors including catering, accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, and tourism, three new sectors—digital, green, and retail—have been included in the policy support scope [1]

Core Viewpoint - The company is actively monitoring government policies and banking guidelines related to the newly announced interest subsidy policy for service industry loans, which may help reduce operational costs [1] Group 1: Government Policy Impact - The national government released a loan interest subsidy policy for service industry operators in August, effective from March 16, 2025, for qualifying loan contracts [1] - The company, being a large retail enterprise, is likely to have existing loan situations that could benefit from this policy [1] Group 2: Company Response - The company expressed its commitment to actively implement the interest subsidy policy in its business operations [1] - The company appreciates investor interest in how these policies may affect its operational costs [1]

Core Viewpoint - The implementation of the loan interest subsidy policy aims to support the service industry, which is crucial for high-quality economic development, by providing financial assistance to enhance consumption and expand domestic demand [1][2]. Group 1: Policy Implementation - The Ministry of Finance and nine other departments have jointly issued the "Implementation Plan for Loan Interest Subsidy Policy for Service Industry Operators" to support consumption and domestic demand strategies [1]. - The service industry has become a core engine for economic growth, with its value-added accounting for over 50% of GDP and 88.2% of newly established business entities in the third sector in the first half of the year [1][2]. Group 2: Financial Support Mechanism - The policy aims to lower financing costs for service industry operators, who often face challenges due to reliance on light asset operations and lack of effective collateral [2]. - The subsidy rate is set at 1 percentage point for a maximum loan amount of 1 million yuan per entity, with a maximum subsidy of 10,000 yuan per entity for one year [2][3]. Group 3: Expected Outcomes - The loan interest subsidy policy is expected to provide financial convenience and incentives for high-quality service enterprises, enabling them to innovate, upgrade, and expand, thereby enhancing service quality [3]. - The policy will undergo evaluations post-implementation to assess its effectiveness and may lead to extensions or adjustments based on the outcomes [3]. Group 4: Collaborative Measures - To maximize the effectiveness of the subsidy policy, it is essential to establish a risk-sharing mechanism, enhance policy communication, and create an evaluation system to ensure efficient use of funds [3].

Core Insights - The Ministry of Finance and nine other departments have issued a loan interest subsidy policy aimed at supporting service industry operators in eight specific sectors [1] Group 1: Policy Details - The sectors eligible for the subsidy include catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1] - The subsidy will cover a maximum loan amount of 1 million yuan per entity, with a subsidy rate of 1% per annum for a maximum period of one year [1] - The central and provincial finances will bear 90% and 10% of the subsidy funds, respectively [1] Group 2: Usage Restrictions - Loan funds must be used for compliant business activities, enhancing service supply capabilities, and improving consumer infrastructure [1] - Strict prohibitions are in place against misreporting, fraudulent claims, misappropriation, or diversion of loan funds [1] - The use of loan funds for real estate development, investment, or financial speculation is explicitly forbidden [1]

Core Viewpoint - The Ministry of Finance has announced a loan interest subsidy policy aimed at boosting consumption and expanding domestic demand, which is part of a broader initiative to stimulate the economy and enhance service sector capabilities [1][2]. Group 1: Policy Implementation - The implementation plan specifies that loans issued to service industry entities in eight sectors, including catering, health, and tourism, will be eligible for interest subsidies [2]. - Loans must be contracted between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service supply capabilities [2]. - The policy may be extended or expanded based on its effectiveness after the initial term [2]. Group 2: Economic Impact - The loan interest subsidy policy is seen as a crucial measure to balance short-term economic stimulation with long-term structural optimization [2]. - The policy aims to lower financing costs for service industry entities, thereby enhancing consumer spending potential and promoting economic growth [2][3]. - It is expected to directly reduce financing costs for eligible businesses, alleviating cash flow pressures for small and medium-sized enterprises [3]. Group 3: Financial Details - The subsidy will cover up to 1% of the loan principal for a maximum period of one year, with the central and provincial finances sharing the subsidy costs at 90% and 10%, respectively [3]. - Each eligible entity can receive subsidies for loans up to 1 million yuan, which can include both fixed asset loans and working capital loans [3]. - The policy prohibits double-dipping on subsidies from other central or local financial programs [3].

Core Viewpoint - The Ministry of Finance and eight other departments have issued a policy implementation plan for interest subsidies on loans to service industry operators, aimed at boosting consumption and expanding domestic demand in line with national directives [1][2]. Policy Content - The policy supports loans issued to service industry operators in eight sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1]. - 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 capabilities [1]. - The policy may be extended or expanded based on its effectiveness after the initial term [1]. Interest Subsidy Standards - The interest subsidy 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 [2]. - Each eligible loan can reach up to 1 million yuan, and the funds must be used for improving consumption infrastructure or enhancing service capabilities [2]. Loan Processing - Eligible service industry operators can apply for loans at designated banks, which will process applications based on market principles [4]. - Banks are responsible for loan approval and must sign contracts with operators detailing the terms of the subsidy [4]. Supervision and Management - The policy emphasizes a "self-audit and self-subsidy" model, where local governments coordinate, and provincial departments oversee the process [8]. - Banks must ensure that loan funds are used for compliant business activities and are prohibited from using them for real estate or speculative investments [8]. - Violations of the policy will result in penalties and the recovery of misused funds [9][10].