0:00 8月13日，国务院新闻办公室举行新闻发布会。财政部金融司司长于红在发布会上表示，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。 ...

Core Points - The Ministry of Finance, People's Bank of China, and National Financial Regulatory Administration issued the "Implementation Plan for Fiscal Subsidy Policy on Personal Consumption Loans" [1] - The policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to enjoy interest subsidies on personal consumption loans used for specific categories of consumption [1] - The subsidy covers loans under 50,000 yuan for general consumption and loans of 50,000 yuan or more for key areas such as automobiles, education, and healthcare [1] Group 1: Implementation Details - The policy aims to stimulate consumption and reduce the cost of consumer credit for residents [2][3] - Agricultural Bank, Bank of China, China Construction Bank, Zhejiang Commercial Bank, and Guangfa Bank have announced their commitment to implement the subsidy policy starting September 1, 2025 [1][2][6] - Each bank will follow market-oriented and legal principles in executing the subsidy program [2][3][6] Group 2: Communication and Consumer Guidance - Banks will provide further details on the implementation process, including channels and operational guidelines, through their official websites and social media [10] - All participating banks have confirmed that they will not charge any fees for processing the personal consumption loan subsidy [10]

举一个例子，假设一家餐馆在今年10月1日获得了一年期的贷款，获得了90万元，它用于引进设备、扩大场地等经营活动，可以享受的贴息一共是9000元， 并且可以分为两个阶段。假设财产银行是明年2月收到财政部门拨付的贴息资金，因此作为时点来划分，经办银行向该餐馆一次性返还3000元的贴息，将由 今年10月到明年1月的贴息来结清；明年2月到9月每个月都会直接扣除当月的贴息，经营主体每个月可以少交750元的利息。 来源：北京日报客户端 记者：吴娜 服务业经营主体贷款贴息的具体操作如何？发布会上，财政部金融司司长于红介绍，借款主体不需要进行贴息的申请，只需要按照正常的信贷流程去银行办 理贷款就行。 经办银行收到财政贴息资金以后，对经营主体已经付的利息一次性对经营主体返还对应的贴息资金，对经营主体没有付的利息，在后续向经 营主体按期收取利息的时候，贷款经办银行直接扣除对应的贴息资金。 8月13日上午，国新办举行新闻发布会，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（简称"两项贴息政策"）有关情况。 ...

【纠错】 【责任编辑:赵阳】 财政部副部长廖岷8月13日在国新办发布会上表示，个人消费贷款贴息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，大体为当 前商业银行个人消费贷款利率水平的1/3，政策实施期为1年。（记者申铖、吴雨） ...

Group 1 - The Ministry of Finance, People's Bank of China, and the Financial Regulatory Administration have issued a policy for personal consumption loan interest subsidies, covering loans below 50,000 yuan and key consumption areas such as automobiles, healthcare, and education [1] - Following the implementation of the personal consumption loan subsidy policy, banks like Agricultural Bank of China and Industrial and Commercial Bank of China have expressed intentions to promote the policy [1] - In Sichuan Province, the implementation of the consumption loan subsidy policy since 2023 has led to an increase in the growth rate of household consumption loans from 7.2% to 8.1%, indicating an improvement in consumer spending on automobiles and home appliances [1] Group 2 - Tongce Medical aims to expand its dental service area to over 260,000 square meters by the end of 2024, with 3,100 dental chairs and an expected outpatient volume of 3.5334 million [1] - Aier Eye Hospital is projected to have 352 hospitals and 229 outpatient departments by the end of December 2024, with a year-on-year increase of 12.1% in outpatient volume and 9.4% in surgical volume [1]

Core Viewpoint - China Agricultural Bank will implement interest subsidies on personal consumption loans starting from September 1, 2025, to lower consumer credit costs and stimulate market potential [1][3]. Summary by Sections Announcement Details - The bank is responding to the directives from the central government to effectively reduce the cost of consumer credit and enhance consumption [1]. - The interest subsidy will be applied to personal consumption loans that meet specific requirements outlined in the official notification [1]. Implementation and Communication - The bank will provide further details regarding the application process and related inquiries through its official channels, including the bank's website, WeChat, mobile banking, and physical branches [1]. - Customers are encouraged to stay informed through these official platforms for any updates [1]. Security Measures - The bank emphasizes that it will not charge any fees for the personal consumption loan subsidy process and warns customers to be cautious of potential scams [2].

新华社音视频部制作 【纠错】 【责任编辑:薛涛】 编导：吴斯洋 记者：申铖 ...

新京报讯 今日，中国农业银行发布关于个人消费贷款贴息工作的公告，全文如下： 尊敬的客户： 编辑 陈艳婷 郑重提示：在办理个人消费贷款贴息业务过程中，我行不收取任何费用。为最大限度保障您的财产和信 息安全，防范不法分子以办理个人消费贷款贴息为由实施诈骗活动，切勿轻信我行官方渠道以外人员的 电话和短信。 特此公告。 感谢您一直以来给予我行工作的大力支持！ 中国农业银行 2025年8月12日 为深入贯彻落实党中央、国务院决策部署，有效降低居民消费信贷成本，充分激发消费市场潜力，我行 积极响应并严格执行《关于印发<个人消费贷款财政贴息政策实施方案>的通知》（财金〔2025〕80 号）精神及相关要求，依法合规推进个人消费贷款贴息工作，确保将国家政策红利切实惠及广大金融消 费者。 我行将按照市场化、法治化原则，自2025年9月1日起，对符合上述通知要求的个人消费贷款实施贴息。 后续办理流程及相关问题解答，将通过中国农业银行官网、微信公众号、手机银行、营业网点、95599 等官方渠道统一发布，敬请留意。 如需帮助，您可通过手机银行、贷款经办行、营业网点、95599、"中国农业银行云客服"微信公众号咨 询。如您还未下载我行手 ...