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。 这两项政策到期后，我们还会开展效果评估，研究视情延长政策的期限，或扩大支持范围，和调整贷款 经办机构的范围。 在这两项贴息政策的设计过程中，我们始终坚持了以下五项原则：一是坚持服务消费群体及经营者。两 项政策直接惠及消费者个人和消费服务的供给方，通过降低信贷成本、提高政策覆盖面等措施，为提升 消费领域的服务水平，为居民获得高品质的商品与服务提供便利。二是坚持简单易行。两项政策不设繁 琐的门槛、不搞复杂的操作，力求惠及广大人民群众生活和经营主体经营所需，贴息测算和申请等工作 主要由贷款经办机构完成，这样能最大程度地便利借款人。三是坚持贴近生活。政策支持范围广泛覆盖 涉及居民衣食住行的主要消费场景和消费种类，贴息额度综合考虑了城乡居民家庭收入和支出状况，有 助于支持普通老百姓日常生活的部分开支。四是坚持市场化、法治化运作。两项政策均明确要求经办机 构要按照市场化、法治化的原则开展授信评审、贷后 ...

Core Viewpoint - The article discusses the implementation of the "Personal Consumption Loan Financial Subsidy Policy" aimed at boosting consumer spending and expanding domestic demand, which is crucial for economic growth and improving people's livelihoods [2][3]. Group 1: Background and Importance - Consumption is a key driver of economic growth and is essential for enhancing people's well-being and meeting their growing needs [2]. - The central government has emphasized the importance of boosting consumption in recent economic meetings and reports, highlighting it as a vital measure for economic stability and growth [3]. Group 2: Policy Features - The policy directly benefits individual consumers by reducing the cost of personal consumption loans, contrasting with previous policies that focused on investment and supply [4]. - It addresses actual consumer needs by covering a wide range of daily expenses and significant investments in areas such as automobiles, education, and healthcare [4]. - The policy operates under market-oriented and legal principles, ensuring responsible lending practices and preventing misuse of funds [5]. Group 3: Key Policy Details - The subsidy applies to personal consumption loans used for actual consumption, including amounts below and above 50,000 yuan for specific categories [6]. - The subsidy rate is set at an annualized 1%, significantly lower than current commercial loan rates, making it more accessible for consumers [7]. - The policy will be in effect for one year, from September 1, 2025, to August 31, 2026, with potential for extension based on its effectiveness [7]. Group 4: Implementation Process - Borrowers will have minimal operational burdens, as the loan institutions and government will handle most processes related to subsidy calculation and application [8]. - The policy includes a comprehensive review mechanism to ensure that funds are used appropriately for consumer support [10]. - Coordination among various government departments is emphasized to ensure effective implementation and monitoring of the policy [11].

Group 1 - The article emphasizes the implementation of personal consumption loan interest subsidy policies to stimulate domestic demand and consumption, targeting both demand and supply sides [1][2] - The interest subsidy rate for consumer loans is set at 1%, applicable to various consumption categories including household appliances, automobiles, education, and healthcare, with a maximum loan amount of 1 million yuan for service industry entities [1][2] - The policies aim to support service consumption, as the government has allocated 300 billion yuan for consumption upgrades, indicating a strong focus on enhancing consumer spending [1][2] Group 2 - The Central Political Bureau meeting highlighted the need to effectively release internal demand potential and cultivate new growth points in service consumption while utilizing structural monetary policy tools [2] - The article notes that while price tools can stimulate short-term consumption, sustainable growth in consumption relies on increasing disposable income and wealth effects, necessitating stronger economic growth [2][3] - The current middle-income group in China has surpassed 400 million, providing a significant impetus for the "consumption upgrade - industrial upgrade - consumption expansion" cycle, although supply-side constraints remain [2][3] Group 3 - Industrial upgrades are often driven by technological advancements, but intense competition can lead to price wars that undermine profit margins, necessitating a focus on high-quality supply development [3] - The article advocates for reducing "involution" competition and encouraging long-term brand building, quality products, and innovation to meet the demands of the middle-income group [3] - The goal is to create more middle-income individuals through high-quality supply, thereby facilitating a smoother economic cycle driven by consumption [3]

Group 1 - The core viewpoint of the news is the introduction of two loan interest subsidy policies aimed at boosting consumption by reducing credit costs for residents and financing costs for service industry operators [1][4] - The policies are designed to stimulate consumer demand and enhance market vitality, addressing the issues of insufficient domestic demand and underutilized consumption potential [2][3] - The government emphasizes the importance of expanding domestic demand and boosting consumption as a key task, with a focus on improving consumer capacity and willingness through various financial and policy measures [3][4] Group 2 - The subsidy policies target key areas of personal consumption such as household vehicles, education, and cultural tourism, aiming to lower actual interest rates and alleviate consumer spending pressure [4] - For service industry operators, the policies provide interest subsidies to sectors like catering, health, and childcare, encouraging them to expand operations and increase service supply [4] - The ongoing development of service consumption and new consumption patterns indicates a vibrant market that is becoming a driving force for economic growth, supported by a series of integrated policies to boost consumption [4]

Group 1 - The core viewpoint emphasizes the implementation of personal consumption loan interest subsidy policies to stimulate domestic demand and consumption [1][2] - The policy includes a 1% annual interest subsidy for loans used for consumption, covering various categories such as household appliances, automobiles, education, and healthcare [1] - The service industry is a primary focus of the subsidy policy, with a maximum loan amount of 1 million yuan for service providers in sectors like hospitality, healthcare, and entertainment [1] Group 2 - The recent Central Political Bureau meeting highlighted the need to effectively release domestic demand potential and cultivate new growth points in service consumption [2] - Structural monetary policy tools are being utilized to support consumption and reduce overall financing costs, indicating a reliance on fiscal and financial measures to stimulate spending [2] - The growth of disposable income is crucial for sustainable consumption growth, necessitating stronger economic performance to drive consumer spending [2] Group 3 - Industrial upgrading is often driven by technological advancements, which can enhance profit margins and increase purchasing power, thereby expanding consumption [3] - There is a need to address "involution" in competition, encouraging companies to focus on long-term brand building and high-quality supply to meet the demands of the middle-income group [3] - The goal is to create more middle-income individuals through technological and brand advancements, facilitating a cycle of consumption that supports economic growth [3]

● 本报记者 彭扬 中国证券报记者8月12日获悉，财政部、人民银行、金融监管总局三部门日前制定了《个人消费贷款财 政贴息政策实施方案》，财政部、民政部等九部门制定了《服务业经营主体贷款贴息政策实施方案》， 两项贷款贴息政策实施方案于12日发布。 财政部有关负责人表示，通过实施个人消费贷款财政贴息政策，进一步强化财政金融协同联动，以"真 金白银"支持居民消费，降低居民消费信贷成本，在激发居民消费潜力的同时，支持扩大内需，同此前 出台的消费品以旧换新等政策，以及财政部同期出台的服务业经营主体贷款贴息政策形成"组合拳"，从 需求端和供给端协同发力，加力提振消费，巩固经济持续向好发展态势。 降低个人消费贷款成本 《个人消费贷款财政贴息政策实施方案》提出，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，且贷款经办机构可通过贷款发放 账户等识别借款人相关消费交易信息的部分，可按规定享受贴息政策。 贴息范围包括单笔5万元以下消费，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、健康医疗等重点领域消费。对于单笔5万 ...

中新网8月12日电据财政部微信公众号消息，为贯彻落实党中央、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，充分发挥财政政策引导带动作用，强化财政金融协同联动，降低居民消费信贷 成本，更好激发消费潜力、提升市场活力，财政部会同中国人民银行、金融监管总局联合印发《个人消 费贷款财政贴息政策实施方案》(财金〔2025〕80号，以下简称《方案》)。近日，财政部有关负责人就 《方案》有关情况回答了记者提问。 一、促消费、扩内需是今年经济工作的"关键词"，此次财政部门联合金融部门出台《方案》，背景是什 么？ 答：消费是国民经济增长的关键环节和重要引擎，大力提振消费既是扩大内需、夯实经济增长"压舱 石"的重要举措，也是提升民生福祉、满足人民日益增长的美好生活需要的重要内容。坚持以人民为中 心的发展思想，要求将经济政策的着力点更多转向惠民生、促消费，以消费提振畅通经济循环，以消费 升级引领产业升级，在保障和改善民生中打造新的经济增长点，形成经济发展和民生改善的良性循环。 三是坚持市场化、法治化运作。《方案》明确要求贷款经办机构在支持提振和扩大消费的同时，要按照 市场化、法治化原则开展授信评审、贷后管理，落实消费贷款 ...

《方案》称，贴息范围包括单笔5万元以下消费，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、健康医疗等重点领域消费。对于单笔5万元以上的消费，以5万元 消费额度为上限进行贴息。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。 贴息标准方面，《方案》明确提出，年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费 贷款本金计算），且最高不超过贷款合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、 10%。贷款合同利率需要符合相应利率自律约定。政策执行期内，每名借款人在一家贷款经办机构可享 受的全部个人消费贷款累计贴息上限为3000元（对应符合条件的累计消费金额30万元），其中在一家贷 款经办机构可享受单笔5万元以下的个人消费贷款累计贴息上限为1000元（对应符合条件的累计消费金 额10万元）。 《方案》强调，强化监督约束，确保贴息资金专款专用。经审核发现存在违法违规行为的，财政部门将 追回相关贴息资金，并依法依规严肃处理。对于贷款经办机构违法违规行为，由相关部门依法依规追究 相应责任。对于借款人违法违规套取贴息资金的情况，由贷款经办机构纳入个人征信记录 ...

8月12日，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，财政部等九部门发布了《服务业经营主体贷款贴息政策实施方 案》（以下简称《主体贴息方案》）。 同日，财政部、中国人民银行、金融监管总局还联合印发了《个人消费贷款财政贴息政策实施方案》（以下简称《个人贴息方案》），明确对以下适用对象 进行财政贴息。 8类消费服务业经营主体可获贴息 具体来看，《主体贴息方案》明确对符合以下条件的经营主体贷款进行贴息： 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。 在贴息标准方面，《主体贴息方案》表示，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。 此外，在财政分担机制方面，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。 《主 ...

Core Viewpoint - The Ministry of Finance and other departments have jointly issued a loan interest subsidy policy to stimulate consumption and expand domestic demand, targeting personal consumption loans and loans for service industry entities [1][5]. Group 1: Subsidy Policy for Service Industry - The "Subsidy Policy for Service Industry Entities" specifies that loans issued to eight categories of service industry entities, including catering, health, and tourism, will receive interest subsidies [2][3]. - The subsidy period is limited to one year, with an annual subsidy rate of 1% on the principal amount of the loan [2][3]. - The central and provincial finances will bear 90% and 10% of the subsidy costs, respectively, with a maximum loan amount of 1 million yuan per entity [3]. Group 2: Subsidy Policy for Personal Consumption Loans - The "Personal Consumption Loan Subsidy Policy" allows residents to receive interest subsidies on personal consumption loans used for specific categories, including household appliances and education, from September 1, 2025, to August 31, 2026 [4]. - The annual subsidy rate is also set at 1%, with a maximum cumulative subsidy of 3,000 yuan per borrower, corresponding to eligible consumption of 300,000 yuan [4]. - For loans under 50,000 yuan, the cumulative subsidy limit is 1,000 yuan, and the maximum subsidy cannot exceed 50% of the loan contract interest rate [4]. Group 3: Impact on Consumption and Economic Growth - The subsidy policies are seen as innovative measures to boost consumer confidence and expectations, thereby promoting high-quality economic development [5][6]. - The policies aim to lower the cost of consumer credit for residents and reduce financing costs for service industry entities, encouraging sustained production and service quality [5][6]. - The implementation of these policies is expected to stimulate effective financing demand from both consumers and service providers, enhancing the overall loan issuance by commercial banks [5][6]. Group 4: Bank Responses - Major banks, including Industrial and Commercial Bank of China and Bank of China, have quickly responded to the subsidy policies, working to implement them effectively [6][7]. - Agricultural Bank of China announced its commitment to reduce consumer credit costs and ensure the benefits of the policy reach consumers starting September 1 [7]. - Other banks, such as Postal Savings Bank and Shanghai Pudong Development Bank, have also issued announcements to facilitate the implementation of the subsidy policies [8][11]. Group 5: Future Recommendations - It is recommended to strengthen the coordination between monetary and fiscal policies, and to enhance the synergy between the subsidy policies and existing consumer support measures to maximize their effectiveness [21].