好消息！贷款消费能省一笔利息钱了！ 8月12日，财政部等三部门联合印发《个人消费贷款财政贴息政策实施方案》（下称《实施方案》）。 该方案旨在通过财政贴息降低居民消费信贷成本，释放居民消费潜力，促进经济加快向好发展，政策实 施期限为2025年9月1日至2026年8月31日。 还有12家全国性股份制商业银行，分别为：包括中信银行股份有限公司、中国光大银行股份有限公司、 华夏银行股份有限公司、中国民生银行股份有限公司、招商银行股份有限公司、兴业银行股份有限公 司、广发银行股份有限公司、平安银行股份有限公司、上海浦东发展银行股份有限公司、恒丰银行股份 有限公司、浙商银行股份有限公司、渤海银行股份有限公。 以及5家其他个人消费贷款发放机构：深圳前海微众银行股份有限公司、重庆蚂蚁消费金融有限公司、 招联消费金融股份有限公司、兴业消费金融股份有限公司、中银消费金融有限公司。 《实施方案》中明确，年贴息比例为1%（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%；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。政策覆盖汽车、养老、旅游、电子产品等重点消费领域 ...

Core Viewpoint - The article discusses the introduction of significant favorable policies in the consumer sector, specifically the implementation of personal consumption loan interest subsidy policies aimed at boosting consumer spending and economic recovery [2][5]. Summary by Sections Personal Consumption Loan Subsidy Policy - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have issued the "Implementation Plan for Personal Consumption Loan Interest Subsidy Policy," which aims to lower consumer credit costs and stimulate consumer potential from September 1, 2025, to August 31, 2026 [2][5]. - The subsidy is applicable to personal consumption loans (excluding credit card transactions) that are identifiable for actual consumption, with a subsidy rate of 1% per annum, capped at 50% of the loan contract interest rate [5][6]. - The total subsidy limit for each borrower at one lending institution is set at 3,000 yuan (corresponding to 300,000 yuan in eligible consumption), with a specific limit of 1,000 yuan for loans under 50,000 yuan [5][6]. Eligible Loan Institutions - The eligible lending institutions include six major state-owned commercial banks and twelve national joint-stock commercial banks, as well as five other personal consumption loan issuing institutions [6][12]. Service Sector Loan Subsidy Policy - A separate "Implementation Plan for Service Sector Loan Interest Subsidy Policy" has been introduced, targeting eight categories of service industry entities, including accommodation, elderly care, and tourism, to support their loan applications [8][9]. - Loans must be issued by banks to service industry entities and must be used to improve consumer infrastructure and service capabilities, with a subsidy rate of 1% per annum, similar to the personal consumption loan policy [11][12]. - The maximum loan amount eligible for subsidy is capped at 1 million yuan, and the policy may be extended or expanded based on its effectiveness [10][11].

携程网(TCOM.US)盘前涨1.04%，报60.1美元。消息面上，财政部、中国人民银行、金融监管总局印发 《个人消费贷款财政贴息政策实施方案》，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。(格隆汇) | TCOM 携程网 | | O | | --- | --- | --- | | 59.480 + +0.680 +1.16% | | 收盘价 08/11 15:59 美东 | | 60.100 ↑ 0.620 +1.04% | | 盘前价 08/12 04:03 美东 | | 二分 24 号 (8) 9 日 (0) | | ● 快捷交易 | | 最高价 60.130 | 开盘价 60.000 | 成交量 423.43万 | | 最低价 59.390 | 昨收价 58.800 | 成交额 2.52亿 | ...