"从今年9月开始的一年时间里，无论是日常生活性的小额消费，还是买车、装修、购置家具家电或手机 电脑等较大额度的商品消费，只要是在相关机构获得了消费贷款，其中实实在在花出去用于消费的部 分，都可以享受贴息支持，每人单笔消费最高享受的贷款贴息是500元，多笔消费可以叠加享受。"8月 13日，财政部金融司司长于红在国新办新闻发布会上表示。 8月12日，财政部、中国人民银行、金融监管总局联合发布关于印发《个人消费贷款财政贴息政策实施 方案》（下称《方案》）的通知，将对符合条件的个人消费贷款予以财政贴息。 招联首席研究员、上海金融与发展实验室副主任董希淼向时代周报记者表示，提振消费是扩大内需的重 要发力点，是当前和未来宏观政策的重中之重。贴息政策是一项创新举措，传递出明确的政策信号，有 助于提振信心和预期，促进经济高质量发展。 "通过财政贴息，一方面将直接降低居民消费信贷成本，提高居民运用金融杠杆扩大消费、改善生活的 意愿和能力；一方面降低消费领域经营主体的融资成本，支持和鼓励经营主体保持生产经营持续性，提 供更多优质产品和服务。"董希淼称。 单家机构最高补贴3000元，借款人无需繁琐操作 "此次发布的个人消费贷款贴息 ...

Core Insights - The 27th Harbin International Auto Show was held recently, where China Construction Bank's Heilongjiang branch actively supported national policies to expand domestic demand and promote consumption through one-stop financial services [1] - The bank's financial solutions, including "0 down payment, long-term, and 0 interest for certain models," effectively lowered the barriers for consumers to purchase vehicles [1][2] Group 1: Financial Services and Consumer Engagement - The bank utilized a "three-effect integration" model of policy advocacy, experiential scenarios, and brand promotion to meet diverse consumer needs [1] - Customers expressed satisfaction with the detailed explanations of financing policies, leading to immediate purchase decisions [1] - The bank's efficient service process from application to loan disbursement significantly enhanced customer experience, with one customer saving over 20,000 yuan through various discounts [1] Group 2: Business Performance - As of the end of July, the bank's car installment business volume reached 1.7 billion yuan, representing a year-on-year increase of 190% [2] - The transaction volume for new energy vehicle installment plans reached 440 million yuan, indicating a growing trend in this segment [2]

中新社北京8月13日电 (记者 赵建华)中国近日推出两项财政贴息政策，提振消费、扩大内需。这两项贴 息政策分别面向个人消费贷款和服务业经营主体贷款。 消费是经济增长的重要引擎。商务部服务贸易和商贸服务业司负责人王波介绍，2020年至2024年，居民 人均服务性消费支出年均增长9.6%。下半年，随着个人消费贷款财政贴息等各项扩消费政策持续叠加 发力，中国超大规模市场活力和潜力将进一步激发。(完) 其中，个人消费贷款财政贴息政策的贴息对象为：居民使用的相关贷款经办机构个人消费贷款中实际用 于消费的部分，包括单笔5万元(人民币，下同)以下日常消费，以及单笔5万元及以上的家用汽车、养老 生育、教育培训、文化旅游、家居家装、电子产品和健康医疗等重点领域消费。贴息比例为1个百分 点，大体相当于目前商业银行个人消费贷款利率水平的三分之一，政策实施期为1年。这是中央财政首 次对个人消费贷款进行贴息。 服务业经营主体贷款贴息政策的贴息对象为：向消费领域服务业经营主体发放的银行贷款，聚焦餐饮住 宿、健康、养老、托育、家政、文化娱乐、旅游、体育等8类消费服务领域。贴息比例同样为1个百分 点。 上述政策到期后，中国或将延长期限、扩大 ...

Group 1 - The main theme of the discussion is that by 2025, China's economic endogenous power will gradually emerge, with an expanding consumer market and breakthroughs across the entire industrial chain serving as new growth engines [3][5] - The first subtopic focuses on more proactive economic and financial policies to stimulate growth [3] - The second subtopic addresses the restructuring of the industrial chain amid global economic and trade competition [3] - The third subtopic discusses consumption upgrades and technological innovation as leading factors for recovery [3] - The fourth subtopic highlights the opportunities for industrial development presented by the closure of the Hainan Free Trade Port [3] Group 2 - The current economic situation is characterized by a structural oversupply, which is a common phenomenon in the later stages of industrialization, and cannot be resolved merely by expanding domestic demand [6][9] - The real estate sector has historically faced oversupply issues, and this is not the first time it has encountered such challenges [9][12] - The discussion emphasizes the importance of balancing risks across the entire real estate transaction chain, rather than placing the burden solely on homebuyers [10][12] - The need for a more balanced development across cities is highlighted, suggesting that not all residents can or should live in major cities like Beijing [10][12] Group 3 - The conversation touches on the necessity of expanding the middle-income class in China to improve consumer expectations and behaviors [13][24] - The historical context of China's consumption patterns is discussed, indicating that despite high savings rates, consumer spending has not significantly increased relative to GDP [23][24] - The potential for new technologies to create new markets and balance supply and demand is emphasized, particularly in the context of low-altitude economy and AI development in Shenzhen [17][19] Group 4 - The concept of "closure" in the context of the Hainan Free Trade Port is clarified, indicating that it actually means increased openness for trade and economic stimulation [26][28] - The discussion suggests that the real estate market in Hainan will rely heavily on external demand, and without lifting purchase restrictions, local demand may remain limited [28][29]

Core Viewpoint - China CITIC Bank (601998) is launching a personal consumption loan interest subsidy program to stimulate consumer spending and support economic recovery as per the directives from the central government [1] Group 1: Announcement Details - The bank's initiative aligns with the central government's strategy to boost consumption and expand domestic demand [1] - The implementation will follow the guidelines set forth in the "Personal Consumption Loan Interest Subsidy Policy Implementation Plan" (Cai Jin [2025] No. 80) [1] - CITIC Bank will develop specific implementation rules and operational guidelines to facilitate the subsidy process for eligible consumer loans [1] Group 2: Customer Assurance - The bank assures that no fees will be charged for processing personal consumption loan interest subsidies [1] - To protect customers from potential fraud, the bank advises against trusting communications from individuals outside its official channels regarding the subsidy program [1]

央视网消息：8月13日上午，国务院新闻办召开发布会，财政部、商务部、中国人民银行、金融监管总局负责人介绍了昨日公布的个人消费贷款及服务 业经营主体贷款贴息政策有关情况。 专家表示，政策一方面将直接降低居民消费信贷成本，另一方面将降低消费领域经营主体的融资成本，帮助经营主体保持生产经营持续性，还将激发相 关经营主体和居民有效融资需求，扩大商业银行、消费金融公司消费贷款和相关贷款投放，并将利率稳定在合理水平。 光大证券研究所副所长 王一峰：对重点领域消费进行贴息，以真金白银支持居民消费，扩大内需，助力畅通经济内循环，财政贴息采取"先拨后贷"方 式，利率为年化1%，大体相当于目前商业银行个人消费贷利率水平的三分之一。领取贴息后，优质客户消费贷款利率将进入2字头，相当于（贷款）利率打 了7折，能够明显降低消费信贷融资成本，增强消费信贷融资需求稳定性，切实减轻居民负担。 对于下一步政策执行和安排，专家还表示，货币政策与财政政策的协同效应将进一步增强，强化贴息政策与已经出台的消费品以旧换新、服务消费与养 老再贷款等政策工具协同。 财政部副部长 廖岷：这项政策直接惠及广大人民群众，是中央财政首次对个人消费贷款进行贴息，贴息 ...

《个人消费贷款财政贴息政策实施方案》和《服务业经营主体贷款贴息政策实施方案》已公开印发。 "这里还是要说明一点，个人消费贷款贴息政策支持的是消费者合理的借贷需求和真实的消费行为，如 果借款人使用个人消费贷款用于一些非消费领域，或是其他违规套利行为，这不属于政策的支持范围， 将无法取得贴息资金。"于红表示。 针对消费领域的服务业经营主体贷款贴息政策，廖岷介绍，从消费结构看，我国目前服务消费具有较大 增长潜力，为了释放这一潜力，需要有更高品质的供给，因此，同步实施了服务业经营主体贷款的贴息 政策。贴息对象是向消费领域服务业经营主体发放的银行贷款，聚焦餐饮住宿、健康、养老、托育、家 政、文化娱乐、旅游、体育等8类主要消费服务领域。贴息比例为1个百分点，可以贴息1年，上述领域 的服务业经营主体单户享受贴息的贷款规模最高是100万元，单户享受贴息最高1万元。 针对申请条件，于红表示，核心是要将贷款资金用于经营活动。《提振消费专项行动方案》是今年3月 16日公开发布的，对于餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育这8类消费领域服 务业经营主体而言，从今年3月16日到年底的时间里，只要与银行签订了贷款合同，而 ...

Group 1 - The Ministry of Finance and other departments have released two financial subsidy policy implementation plans aimed at personal consumption loans and service industry operating entities, providing a one-year subsidy for related loans [1] - The personal consumption loan subsidy policy specifies that from September 1, 2025, to August 31, 2026, residents can enjoy a subsidy for personal consumption loans used for specific categories, with a maximum subsidy limit of 3,000 yuan per borrower [3] - The subsidy covers consumption loans under 50,000 yuan and those above for key areas such as home appliances, education, and healthcare, with a subsidy rate of 1% per year, not exceeding 50% of the loan contract interest rate [3] Group 2 - The service industry subsidy policy targets eight sectors including catering, health, and tourism, allowing eligible loans to receive a subsidy for up to 100,000 yuan per entity, with a similar 1% annual subsidy rate [4] - Experts believe these subsidy policies will stimulate consumer spending and improve living standards by reducing the cost of consumer credit and supporting service providers in enhancing infrastructure and service capabilities [4] - The implementation of these policies reflects a shift in fiscal policy towards a focus on improving people's livelihoods and integrating fiscal and monetary policies to stimulate personal consumption [4]

8月12日，财政部联合商务部、中国人民银行、金融监管总局等相关部门发布《个人消费贷款财政贴息政策实 施方案》和《服务业经营主体贷款贴息政策实施方案》，通过财政和金融的联动，支持促消费、扩内需。 8月13日，国新办就个人消费贷款贴息政策和服务业经营主体贷款贴息政策有关情况举行新闻发布会。会上， 财政部金融司司长于红表示，总体来看，这两项贴息政策涉及的侧重点都是广覆盖、低门槛，也没有设置复 杂的申请程序，尽量让大家做到"省钱又省心"，只需要满足一些基本的、必要的条件，就可享受政策的支持， 确保精准发挥提振消费、扩大内需的政策效果。 ▲财政部金融司司长于红 "首先，居民享受个人消费贷款贴息的条件，核心是要有真实的消费行为。"于红表示，从今年9月开始的一年 时间里，无论是日常生活性的小额消费，还是买车、装修、购置家具家电或手机电脑等较大额度的商品消 费，或者是旅游、养老、生育、教培、医疗等服务消费，只要是在相关机构获得了消费贷款，其中实实在在 花出去用于消费的部分，都可以享受贴息支持，每人单笔消费最高享受的贷款贴息是500元，多笔消费可以叠 加享受。 关于执行的具体规则，于红介绍，对于单笔5万元以下的消费，按照实际金 ...

央视网消息：2025年8月13日（星期三）上午，国务院新闻办公室举行新闻发布会，请财政部副部长廖 岷和商务部、中国人民银行、金融监管总局有关负责人介绍个人消费贷款贴息政策和服务业经营主体贷 款贴息政策有关情况，并答记者问。 财政部金融司司长于红介绍，总体来看，这两项贴息政策涉及的侧重点都是广覆盖、低门槛，也没有设 置复杂的申请程序，尽量让大家做到"省钱又省心"，只需要满足一些基本的、必要的条件，就可享受政 策的支持，确保精准发挥提振消费、扩大内需的政策效果。 首先，居民享受个人消费贷款贴息的条件，核心是要有真实的消费行为。从今年9月开始的一年时间 里，无论是日常生活性的小额消费，还是买车、装修、购置家具家电或手机电脑等较大额度的商品消 费，或者是旅游、养老、生育、教培、医疗等服务消费，只要是在相关机构获得了消费贷款，其中实实 在在花出去用于消费的部分，都可以享受贴息支持，每人单笔消费最高享受的贷款贴息是500元，多笔 消费可以叠加享受。 具体规则：对于单笔5万元以下的消费，按照实际金额计算贴息，多笔叠加以后，在同一家贷款机构最 高可以享受贴息1000元；对于单笔5万元以上的消费，以5万元为上限来计算贴息，也可 ...