将依法合规开展个人消费贷款贴息相关工作，办理个人消费贷款贴息不收取任何服务费用。 财政部、中国人民银行、金融监管总局日前印发《个人消费贷款财政贴息政策实施方案》。其中提到，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。 截至发稿，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六大国有行均发布公告称，将积极响应并严格 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》，依法合规开展个人消费贷款贴息相关工作。 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 大眼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 ...

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、贷后管理，严格执行各项信贷监督管理制度规定，强化信贷资金用途管 理和风险管控。五是坚持部门的协作。两项政策实行全流程管理，中央和地方相关部门各司其职，严格把 好资金的审核、拨付等关口，确保政策的执行效果。 廖岷表示，当前人民群众的消费需求日益呈现出多层次、多样化的特点。两项贴息政策分别从消费的需求 端和供给端来发力，将财政金融政策的着力点更多转向惠民生、促消费。现在也正值暑期，大家旅游度 假、休闲消暑、影视打卡、学习充电等消费需求旺盛。接下来还有中秋佳节、"十一"黄金周，都是传统的 消费旺季，希望这项政策能够对人民群众 ...

▲财政部金融司司长于红 8月12日，财政部联合商务部、中国人民银行、金融监管总局等相关部门发布了《个人消费贷款财政贴息政策 实施方案》和《服务业经营主体贷款贴息政策实施方案》，通过财政和金融的联动，支持促消费、扩内需。 8月13日，国新办就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举行新闻发布会。会上， 财政部金融司司长于红表示，这两项贴息政策设计都遵循了简便易行的原则，贴息资金的申请、审核等工 作，均由贷款经办机构和地方政府的相关部门来完成，力求最大限度地减轻借款人的操作负担。 她举例称，假设一家餐馆在今年10月1日获得1年期的贷款90万元，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，具体可以分为两个阶段：假设经办银行明年2月收到财政部门拨付的贴息资金， 以此作为时点来划分，经办银行需向该餐馆一次性返还3000元的贴息，将今年10月到明年1月的贴息结清；另 外，明年2月到9月，每个月都会直接扣除当月贴息，经营主体每月可以少交750元的利息。 关于个人消费贷款贴息的具体操作，于红介绍，借款人在申请个人消费贷款并签订相关贷款合同时，只需增 加一项操作，即授予贷款经办机构相关 ...

Group 1 - The core viewpoint of the articles highlights the introduction of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to stimulate consumer spending in China, especially in light of the slowing growth in retail sales [1][3] - In June, China's total retail sales of consumer goods saw a year-on-year growth rate of 4.8%, indicating a need for policy intervention to boost consumption [1] - The Ministry of Commerce reported that in the first half of the year, total retail sales of consumer goods grew by 5.0% year-on-year, while service retail sales increased by 5.3%, providing strong support for economic recovery [3] Group 2 - The implementation of personal consumption loan interest subsidies and trade-in policies is expected to enhance consumer growth prospects in the second half of the year [1][3] - The government aims to stimulate large-scale consumption upgrades and improve service consumption support policies to unleash the potential of new consumption [3] - The combination of various consumption expansion policies, including personal consumption loan interest subsidies, is anticipated to further activate the market's vitality and potential [3]

8月12日，财政部联合商务部、中国人民银行、金融监管总局等相关部门发布《个人消费贷款财政贴息政策实 施方案》和《服务业经营主体贷款贴息政策实施方案》，通过财政和金融的联动，支持促消费、扩内需。 8月13日，国新办就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举行新闻发布会。会上， 财政部金融司司长于红表示，总体来看，这两项贴息政策涉及的侧重点都是广覆盖、低门槛，也没有设置复 杂的申请程序，尽量让大家做到"省钱又省心"，只需要满足一些基本的、必要的条件，就可享受政策的支持， 确保精准发挥提振消费、扩大内需的政策效果。 ▲财政部金融司司长于红 "首先，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。"于红表示，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。 关于执行的具体规则，于红介绍，对于单笔5万元以下的消费，按照实际金 ...

Group 1 - The Ministry of Finance's Vice Minister Liao Min announced a new interest subsidy policy for personal consumption loans and service industry loans, marking the first time such a policy has been implemented at the central government level [1] - Some media outlets refer to this initiative as another "national subsidy" in the consumer loan sector, highlighting the Chinese government's commitment to expanding consumption [1]

【环球网财经综合报道】8月12日，财政部联合央行等多部委下发《个人消费贷款财政贴息政策实施方案》与《服务业经营主体贷款贴息政策实施方案》。 此外，广发证券还表示，个人贷款贴息政策、服务业经营主体贷款贴息政策分别从需求、供给两端作用于消费，有助于稳定和进一步扩大消费弹性，同时有 助于拓宽政策支持实体经济的边界与空间，比如贴息政策可以在不降低银行资产收益率保持银行息差的情况下定向支持特定领域。 针对此次方案推出，广发证券分析认为，上述两个文件是《提振消费专项行动方案》 及 7 月 31 日国常会 精神的落实。按照专项行动方案，后续消费领域仍 存在的政策空间包括：提高最低工资标准，北京、上海等地已落地，但仍有部分省市待调整；健全服务消费、消费新业态新模式统计监测，完善全口径消费 统计制度；扩大消费基础设施、消费服务功能提升类、消费新业态新模式的有效投资等。 具体到本次个人消费贷款贴息政策，广发证券认为，由于消费贷款贴息政策有较多限制条件，很难准确估算受益的消费贷款规模，愿意加杠杆消费且对利率 敏感的消费者比例亦难准确估算，但有部分数据可供参考： 首先，今年 3 月末多家银行已将消费贷利率上调至不低于 3% ，以 3 ...

具体来看，《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。 根据个人消费贷贴息方案，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。 金融促消费再迎政策利好。8月12日，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》。同日，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》。 此外，关于贷款经办机构，《个人消费贷款财政贴息政策实施方案》明确，包括6家国有大型商业银 行、12家全国性股份制商业银行、5家其他个人消费贷款发放机构。鼓励地方财政部门结合实际情况对 其他经营个人消费贷款业务的金融机构给予财政贴息支持，扩大政策覆盖面。 《服务业经营主体 ...

Group 1 - The Ministry of Finance announced a loan interest subsidy policy for service industry operators to stimulate consumption and expand domestic demand, as part of the government's broader economic strategy [1][2] - The policy aims to lower financing costs for service industry operators, thereby enhancing consumer potential and market vitality [1][2] Group 2 - The subsidy applies to loans issued by banks to eight specific service sectors, including catering, health, and tourism, with contracts signed between March 16, 2025, and December 31, 2025 [2] - The policy is designed to improve consumption infrastructure and service supply capabilities, with potential for extension based on its effectiveness [2] Group 3 - The subsidy standard includes a maximum loan amount of 1 million yuan per entity, with a one-year subsidy period at a rate of 1% [3] - The central and provincial finances will cover 90% and 10% of the subsidy, respectively, which is expected to significantly reduce financing costs for eligible operators [3] - This initiative is anticipated to enhance service quality and competitiveness in the industry, ultimately contributing to high-quality development [3]

Core Viewpoint - The introduction of a personal consumption loan interest subsidy policy aims to stimulate consumer spending in China, addressing structural consumption issues and enhancing the quality of life for residents [2][3][4]. Group 1: Policy Overview - The policy, effective from September 1, 2025, to August 31, 2026, allows residents to enjoy interest subsidies on personal consumption loans used for consumption, excluding credit card transactions [2]. - The subsidy covers loans of less than 50,000 yuan and specifically targets key areas such as household vehicles, education, healthcare, and home improvement, thereby encompassing both essential and quality-of-life expenditures [3][4]. Group 2: Economic Impact - The subsidy is expected to lower the financial burden on consumers, making it easier for them to access high-quality services in various sectors, thus aligning with the goal of enhancing consumer spending [3][4]. - Previous pilot programs in regions like Sichuan and Chongqing demonstrated significant positive effects on consumption in sectors like home renovation and appliances, indicating the potential for a multiplier effect at the national level [3][4]. Group 3: Long-term Strategy - The policy is part of a long-term strategic initiative rather than a temporary measure, emphasizing the need for sustainable policy design to ensure ongoing economic benefits [4][5]. - The subsidy structure includes safeguards such as a cap on the subsidy rate and a significant share of funding from the central government, reflecting a commitment to boosting consumption while managing market stability [4][5]. Group 4: Broader Economic Cycle - The policy aims to create a virtuous cycle of improving household balance sheets, enhancing consumer capacity, and benefiting businesses, thereby fostering new productive forces in the economy [5]. - Collaboration among banks and other stakeholders is crucial for effective implementation, ensuring that the benefits of the subsidy reach consumers and contribute to economic growth [5].