【 导读 】 财政部等多部门联合发布贷款贴息政策实施方案，对个人消费贷款、服务业经营主体贷款财政贴息，农行、邮储、浦发、浙 商等银行率先官宣政策 中国基金报记者 马嘉昕 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， ...

Core Points - The Chinese government has implemented two loan interest subsidy policies aimed at boosting consumer spending and supporting service industry operators [1][9] - The policies are designed to lower credit costs for residents and financing costs for service industry operators, thereby stimulating consumption and enhancing market vitality [2][10] Summary of Implementation Plans Implementation Plan for Service Industry Loans - The subsidy policy covers eight categories of service industry operators, including catering, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [3] - Loans must be issued between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and enhance service supply capabilities [4] - The annual subsidy rate is set at 1%, with a maximum loan amount of 1 million yuan per entity, and the central and provincial governments will share the subsidy costs [4][5] Implementation Plan for Personal Consumption Loans - The subsidy applies to personal consumption loans issued from September 1, 2025, to August 31, 2026, for identifiable consumption transactions [7] - The subsidy covers single transactions below 50,000 yuan and significant expenditures in key areas such as automobiles, education, and healthcare [7] - The annual subsidy rate is also 1%, with a cumulative cap of 3,000 yuan per borrower, and a maximum of 1,000 yuan for loans below 50,000 yuan [7][8] Bank Participation - A total of 21 banks, including 3 policy banks, 6 state-owned banks, and 12 joint-stock banks, are authorized to process these loans [5] - Major banks have expressed commitment to implementing the subsidy policies effectively, aiming to streamline processes and enhance service delivery [10][11] Future Outlook - Experts anticipate that the subsidy policies may be optimized based on their implementation outcomes, potentially adjusting subsidy rates and coverage [12] - There is a call for better coordination between monetary and fiscal policies to maximize the effectiveness of these subsidy measures [12]

国家发展改革委副主任赵辰昕4月28日在国新办新闻发布会上表示，深入实施提振消费专项行动， 并抓紧出台各领域专项措施，也会指导限购城市针对长期摇号家庭和无车家庭等重点群体定向增发购车 指标。（记者张晓洁、谢希瑶） 【纠错】 【责任编辑:成岚】 ...

鲜建强在推介中表示，今年以来，全市上下认真贯彻落实中省促消费工作部署，深挖消费潜力，培育消费动能，全力打好提振消费硬仗，为全市经济社会 高质量发展注入强劲动力。宝鸡市抢抓"夏日经济"黄金赛道契机，以"乐购宝鸡 悦享生活"为主题，1个主会场盛大启幕、20个分会场同步联动、N个特色 消费场景全域覆盖，打造为期两个月的啤酒音乐美食季促消费活动。诚邀八方宾客走进21个会场，以啤酒为媒、以音乐为伴、以美食为桥，见证宝鸡消费 市场的蓬勃气象，领略"看山水、品文化、享生活"的独特魅力！ 梁丹军在致辞中表示，近年来，渭滨区紧扣中省市提振消费工作部署，坚持以商兴旅、以旅促商，持续聚旺旅游人气、有效拉动消费热潮，构建起"吃住 行游购娱"全链互动的商旅融合发展新格局。下一步，渭滨区将持续贯彻落实国家、省市提振消费工作部署，优化供给端、激活市场端，释放多样化、品 质化、差异化消费潜力，努力构建更加繁荣、更具活力、更可持续的消费生态，为全市、全省商贸繁荣增光添彩！ 省商务厅副厅长张文政、市委副书记段小龙、市人大常委会副主任苏少敏、副市长李武发、市政协副主席张南、渭滨区委书记吴昱昕共同宣布活动启动， 市商务局局长鲜建强作活动推介，渭滨区 ...

Group 1: Financial Support for New Industrialization - The People's Bank of China and six other departments issued guidelines to enhance financial support for new industrialization, focusing on five areas including improving technological innovation capabilities and supply chain resilience [1] Group 2: Special Bond Issuance - In July, the issuance of new special bonds reached 616.936 billion yuan, marking an increase of 89.842 billion yuan compared to the previous month, representing the highest monthly issuance level for the year [2] Group 3: Employment Initiatives in Fujian - The Fujian Provincial Government announced the allocation of special funds in the fiscal budget to promote employment, emphasizing the importance of prioritizing employment policies and investing in human resources to ensure stable employment conditions [5] Group 4: Supportive Measures for Enterprises in Qingdao - Qingdao City released 31 new measures aimed at supporting and assisting enterprises, although specific details of these measures were not provided in the document [5]

人民财讯8月5日电，8月4日，陕西省长、省政府党组书记赵刚主持召开省政府党组会议。会议强调，要 聚焦重点任务，积极承接落实国家各项政策举措，加力稳定工业增长，持续释放服务业增长潜力，抓好 重点项目建设，多措并举扩大投资、提振消费，进一步深化改革、扩大开放，突出抓好高校毕业生等重 点群体稳岗就业，扎实推动乡村全面振兴，毫不放松做好防汛备汛、安全生产、迎峰度夏电力保供等工 作，持续巩固拓展经济回升向好势头。 ...

区域如何在保障改善民生中扩大消费需求？以浙江为例，居民收入的增长是关键因素。今年上半年，浙江全体居民人均可支配 收入达37813元，同比增长5.1%，收入水平居全国第三（仅次于上海、北京），位列省区第一。 | 2025年上半年浙江人均可支配收入城乡数据 | | | | --- | --- | --- | | 城乡分类 总额（元） | | | | 全体居民人均可支配收入 | 37813 | 5.1% | | 城镇居民人均可支配收入 | 43293 | 4.7% | | 农村居民人均可支配收入 | 25986 | 5.7% | | 数据来源： 浙江省统计局 整理: 柳宁馨 | | | 21世纪经济报道记者柳宁馨杭州报道 据新华社报道，7月30日，中共中央政治局召开会议并强调，要有效释放内需潜力。深入实施提振消费专项行动，在扩大商品消 费的同时，培育服务消费新的增长点。在保障改善民生中扩大消费需求。 这体现了浙江共同富裕的特点，各城市间、城乡之间收入差距的缩小也为居民消费减少了后顾之忧。上半年，浙江城乡居民收 入倍差为1.67，具体到城市看，湖州为1.48，绍兴为1.64，远优于全国平均水平。 此外，浙江在城乡都积 ...

香港财政司司长：进一步"拆墙松绑" 增添地区经济活力 7月30日，香港特区政府发布《香港营商环境报告》。图为现场媒体在报告发布记者会上举手提 问。 中新社记者 李志华 摄 编辑：张嘉怡 陈茂波举例道，不少市民希望能在炎炎夏日中吹着冷气欣赏维多利亚港美景，亦期待在秋意渐凉之际喝 着咖啡在海滨漫步。这不仅能为市民和游客提供放松休闲好去处，还可带动相关经济活动，造就协同效 应，让美丽的维港为香港活力动感之都的氛围添上浪漫气息。 他表示，今年第二季香港出口、本地消费和固定投资——"三驾马车"同时取得正增长，整体经济按年增 长3.1%，连续第十个季度录得正增长。零售销货价值在5月和6月重新录得轻微按年增长，第二季微升 0.3%。即将公布的第二季食肆总收益，预计有轻微增长。 陈茂波在网志中说，上述数字显示零售和餐饮等行业的经营呈"稳住"迹象，但不能否认它们目前仍受到 较大压力，期待业界继续努力，以创新带来新的增量。特区政府会继续同业界和市民携手努力，为香港 创造更多提振消费机遇。 他表示，香港住宅物业楼价继续靠稳，租金表现强韧，交投量显著转趋活跃，第二季每月平均成交数字 增至约5600宗，按季上升约37%。因应楼价回稳， ...

Economic Growth - The GDP grew by 5.3% year-on-year, an increase of 0.3 percentage points compared to the same period last year and the entire previous year [3] - Domestic demand contributed 68.8% to economic growth, while the import and export scale reached 20 trillion yuan, with exports increasing by 7.2% [3] National Unified Market - The construction of a national unified market has shown positive results, with the logistics cost to GDP ratio decreasing to 14%, the lowest level since records began, saving over 130 billion yuan in logistics costs [4] Consumer Spending - In the first half of the year, retail sales of consumer goods increased by 5%, with a 0.4 percentage point acceleration compared to the first quarter; final consumption contributed 52% to economic growth [5] - The "old-for-new" policy has driven sales exceeding 1.7 trillion yuan, with various departments and localities organizing diverse consumption promotion activities [5] Investment in Key Projects - The list of major strategic projects for this year has been fully allocated, with 800 billion yuan distributed and 735 billion yuan of central budget investment nearly completed [6] Healthcare Initiatives - The healthcare foundation project has been initiated, supporting around 600 county-level medical communities with over 11,000 medical equipment units [7] Electricity Demand - National peak electricity load has reached a historical high of 1.508 billion kilowatts, an increase of 57 million kilowatts compared to last year's peak [8] Special Bonds for Consumption - The third batch of 690 billion yuan in special bonds for consumer goods has been allocated, with plans for a fourth batch in October, completing the annual allocation target of 300 billion yuan [9] Trade with Belt and Road Countries - Trade with Belt and Road countries reached 1.129 trillion yuan in the first half of the year, growing by 4.7%, which is 1.8 percentage points higher than the overall growth rate [10]

Group 1 - The 2024 Central Economic Work Conference prioritizes "boosting consumption, improving investment efficiency, and expanding domestic demand" as the main task for 2025 economic work [1] - Various policies have been implemented this year, including special actions to boost consumption, trade-in programs for consumer goods, and consumption subsidies, leading to stable growth in the consumption market [1] - On July 31, the State Council announced the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to lower credit costs for residents and financing costs for service industry entities [1] Group 2 - China Construction Bank has initiated a consumption finance special action themed "Boosting Consumption and Expanding Domestic Demand" to enhance financial supply and support consumption [2] - The bank is leveraging the "Construction Bank Life" platform to participate in the distribution of national consumption subsidy funds and explore a "government subsidy + financial rights" service model [2] - Construction Bank aims to enhance market confidence and drive development by providing tailored credit products for service industry entities and increasing the supply of inclusive financial credit [2]