人民财讯8月15日电，陕西日报消息，8月14日，省长赵刚在西安市调研。他强调，要深入学习贯彻习近 平总书记历次来陕考察重要讲话重要指示精神，落实省委十四届八次全会部署，坚定不移大抓产业项 目，多措并举提振消费，为稳增长提供有力支撑。调研中，赵刚强调，西安在全省发展大局中肩负着重 要使命，要树牢大抓项目、大抓投资导向，坚持以社会资本投资为重点、产业类项目为核心，完善用 好"四个一批"项目管理机制，围绕重点产业链和产业集群，做好精准招商、全生命周期项目服务等工 作，推动更多优质项目早落地、早投产，形成更多实物工作量。要聚力打好提振消费硬仗，紧盯重点商 品积极开展丰富多样的促消费活动，着力稳定和扩大商品消费，进一步挖掘文化旅游、赛事经济、演艺 经济、会展经济等带动作用，创新多元化消费场景，持续扩大服务消费，更好助力稳增长大局。 ...

Group 1 - The provincial government emphasizes the importance of industrial projects and consumer stimulation to support economic growth [1][2] - The relocation and new construction project of COFCO Coca-Cola in Xi'an is highlighted, with a focus on ensuring timely production and operation [1] - The e-commerce company Vipshop is encouraged to innovate marketing strategies and enhance platform services to improve customer experience [1] - JD's "Asia No. 1" smart logistics park in Xi'an is expected to enhance logistics efficiency and support the distribution of Shaanxi products nationwide and globally [1] Group 2 - Xi'an is tasked with a significant role in the province's economic development, focusing on stabilizing growth and enhancing policy implementation [2] - The government aims to attract social capital investment and prioritize industrial projects, improving project management and lifecycle services [2] - Efforts will be made to boost consumer spending through diverse promotional activities and to explore opportunities in cultural tourism, event economy, and service consumption [2]

Group 1 - The core viewpoint of the article is the introduction of significant policies aimed at promoting consumption and expanding domestic demand through financial support [2][10]. - The Ministry of Finance, in collaboration with other departments, has launched the "Personal Consumption Loan Interest Subsidy Policy" and the "Service Industry Operating Entity Loan Interest Subsidy Policy" [2][10]. - These policies are designed to provide financial incentives for personal consumption loans and loans to service industry entities, thereby stimulating economic activity [12]. Group 2 - The personal consumption loan interest subsidy policy will be effective from September 1, 2025, to August 31, 2026, covering loans used for consumption as identified by lending institutions [4][5]. - The subsidy rate is set at 1%, which is approximately one-third of the current personal consumption loan interest rates offered by commercial banks [8]. - Specific consumption areas eligible for subsidies include household appliances, automotive purchases, education, cultural tourism, and healthcare, among others [8][13]. Group 3 - For loans under 50,000 yuan, the subsidy is calculated based on the actual amount, with a maximum subsidy of 1,000 yuan for multiple loans from the same institution [9]. - For loans over 50,000 yuan, the subsidy is capped at 500 yuan per 50,000 yuan, with a total maximum subsidy of 3,000 yuan when combined with smaller loans [9]. - The service industry loan subsidy policy targets eight key sectors, including dining, health, and tourism, with a similar subsidy rate of 1% and a maximum loan amount of 1 million yuan per entity [9][12]. Group 4 - The policies are part of a broader strategy to enhance consumer spending and investment efficiency, as highlighted in recent government reports [11]. - The implementation of these policies is expected to alleviate purchasing power issues for consumers and reduce financing costs for businesses, thereby supporting sustained economic growth [7][12]. - The government plans to evaluate the effectiveness of these policies after their expiration and may consider extending or expanding them based on the results [10].

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。 在贴息标准方面，《方案》明确，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）。 长江商报奔腾新闻记者 涂媛 个人消费贷款财政贴息政策落地，助力释放居民消费潜力。 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，根据 中央办公厅、国务院办公厅印发的《提振消费专项行动方案》关于2025年对符合条件的个人消费贷款给 予财政 ...

Core Viewpoint - The recent introduction of two loan interest subsidy policies reflects the Chinese government's commitment to boosting consumption and stimulating market vitality through financial collaboration and public funding leverage [1][2]. Group 1: Policy Overview - The new subsidy policies target personal consumption loans and loans for service industry operators, marking the first central-level implementation of such measures [1]. - The policies are designed to be widely accessible with low thresholds, requiring only basic conditions to qualify for support [2]. Group 2: Mechanism and Impact - A 1% interest subsidy could potentially mobilize 100 yuan in loans for consumer spending, demonstrating a significant leveraging effect of public funds combined with financial tools [1]. - The policies aim to enhance consumer capacity and expand effective supply, particularly in the service sector, by addressing both demand and supply sides [5]. Group 3: Implementation and Oversight - Financial regulatory bodies will incorporate the execution of these subsidy policies into daily financial supervision to prevent misuse of funds [3]. - The Ministry of Commerce will oversee the compliance of loan applications with the subsidy conditions, ensuring that benefits reach eligible service industry operators [3]. Group 4: Financial Support and Future Directions - The People's Bank of China has established a 500 billion yuan re-lending facility to encourage financial institutions to increase credit supply in the consumption sector, which is expected to work in tandem with the new subsidy policies [4]. - Future efforts will focus on optimizing consumer financial products and services while enhancing credit availability in the service consumption sector [5].

Core Viewpoint - The introduction of the "dual interest subsidy" policy marks the first time the central government has implemented interest subsidies in the consumer sector, aiming to lower credit costs for residents and businesses while boosting consumption and economic circulation [1][2]. Group 1: Policy Implementation - The "dual interest subsidy" policy is designed to support both the supply and demand sides of consumption, directly benefiting households and businesses in the consumer sector [1]. - The personal consumption loan interest subsidy specifically targets the portion of loans used for consumption, breaking from previous practices of blanket subsidies [1][2]. - The policy aims to work in conjunction with existing financial support measures, such as the 500 billion yuan service consumption and pension relending established by the People's Bank of China [2]. Group 2: Financial Coordination - The dual interest subsidy policy is expected to create a synergistic effect with prior financial support policies, reducing financing costs for consumers and businesses [2]. - Financial institutions are encouraged to increase credit supply in the consumer sector, with the central bank providing low-interest relending to commercial banks to stimulate lending [2][4]. - The financial regulatory authority will oversee the implementation of these policies, ensuring that funds are used effectively and in compliance with regulations [3]. Group 3: Focus on Key Sectors - The financial regulatory authority emphasizes the importance of directing credit towards sectors closely related to daily life, such as dining, health, and entertainment [3]. - Special attention will be given to small and micro enterprises, with mechanisms established to facilitate their access to financing [3]. Group 4: Sustainable Development - The sustainability of financial institutions is a key concern, with interest rates for consumer loans determined by banks based on market principles, while the subsidy is provided by the government [4]. - Future efforts will focus on enhancing the attractiveness of consumer financial products and simplifying approval processes to better meet consumer needs [4].

Core Viewpoint - The recently implemented personal consumption loan interest subsidy policy and service industry loan interest subsidy policy aim to stimulate consumer demand and enhance service supply through financial and fiscal collaboration, marking a significant step in macroeconomic policy adjustment [1][3][4]. Policy Implementation - The personal consumption loan interest subsidy provides a maximum subsidy of 3,000 yuan for individuals and 10,000 yuan for enterprises, with a 1% subsidy rate potentially leading to a 100-fold increase in loan funds for consumer spending [1][4][5]. - The service industry loan interest subsidy targets eight key service sectors, allowing a maximum subsidy of 10,000 yuan per entity, with a similar 1% subsidy rate [9][10]. Financial Institutions' Response - Major banks such as China Bank and Agricultural Bank have committed to implementing these policies starting September 1, 2023, alongside various consumer finance companies [11][12]. - Financial institutions are expected to streamline processes and ensure compliance with market principles while managing risks effectively [13]. Economic Impact - The policies are designed to reduce the financial burden on consumers and service providers, thereby enhancing overall consumption and economic circulation [4][5][9]. - The expected outcome is a synergistic effect where the combined impact of both subsidy policies will significantly boost consumer spending and service supply capabilities [4][9]. Risk Management and Compliance - Financial institutions are required to adhere to strict risk management protocols, ensuring that funds are used appropriately for consumer-related expenditures [6][13]. - The implementation of these policies will be monitored closely, with regular assessments to evaluate their effectiveness and potential adjustments [10][13].

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 ...

Core Viewpoint - The newly introduced interest subsidy policies aim to stimulate consumer spending and support service industry financing, reflecting a coordinated effort between fiscal and financial policies [1][3]. Group 1: Policy Details - The two subsidy policies are referred to as "national subsidies" in the consumer loan sector, directly benefiting the public [2]. - The personal consumption loan subsidy targets loans used for consumption, with a subsidy rate of 1%, which is approximately one-third of current commercial bank personal consumption loan rates, applicable for one year [2]. - The service industry loan subsidy focuses on eight key sectors, including dining, health, and tourism, with a similar subsidy rate and a maximum loan amount of 1 million yuan per entity [2][3]. Group 2: Financial Impact - The policies are expected to leverage public funds to attract more financial resources into the consumer sector, potentially generating a significant multiplier effect [4]. - The People's Bank of China has set up a 500 billion yuan fund to support service consumption and elderly care, encouraging financial institutions to increase credit supply in the consumer sector [3]. Group 3: Implementation and Oversight - The implementation of these policies involves multiple stakeholders, including financial institutions and regulatory bodies, to ensure that the subsidies reach the intended beneficiaries [5][6]. - The Ministry of Commerce will oversee the management of sectors included in the subsidy scheme, while the financial regulatory authority will guide banks in setting appropriate loan terms and monitoring fund usage [6].

Core Viewpoint - The implementation of two subsidy policies aims to stimulate consumer demand and enhance service supply, providing strong momentum for activating the consumption market and expanding domestic demand [2]. Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan subsidy policy is the first of its kind from the central government, targeting residents' consumption pain points by reducing credit costs to stimulate consumption potential [3]. - The subsidy applies to the portion of personal consumption loans used for consumption, covering both daily expenses under 50,000 yuan and larger purchases in seven key consumption areas [3]. - The subsidy rate is set at 1%, which is approximately one-third of the current commercial bank personal consumption loan interest rate, significantly alleviating residents' borrowing pressure [3][4]. Group 2: Service Industry Loan Subsidy Policy - The service industry loan subsidy policy focuses on enhancing the supply side of consumption services by supporting the development of service providers and improving service quality [7]. - The policy targets eight key service sectors, including catering, health, and tourism, with a subsidy rate of 1% and a maximum subsidy of 10,000 yuan per entity [7]. - This policy, along with the personal consumption loan subsidy, aims to create a virtuous cycle in the consumption sector by addressing both supply and demand [7][8]. Group 3: Financial Support and Regulatory Measures - The policies are designed to lower financing costs for both residents and businesses, thereby reducing financial burdens and promoting credit supply in the consumption sector [5]. - Financial institutions are required to adhere to market-oriented principles in credit management, ensuring proper loan approvals and monitoring the use of funds to prevent misuse [4][8]. - The effectiveness of these policies will be evaluated post-implementation, with potential adjustments to extend the policy duration or expand support scope based on the assessment [8].