Core Viewpoint - The article emphasizes the implementation of a loan interest subsidy policy aimed at boosting consumption and expanding domestic demand in the service industry, particularly in eight specific sectors from March 16, 2025, to December 31, 2025 [1] Group 1: Policy Implementation - The company is actively responding to the central government's directives to lower financing costs for service industry operators [1] - The loan interest subsidy policy is applicable to sectors including catering, accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1] - The company will streamline processing and simplify procedures to ensure the prompt implementation of the policy [1] Group 2: Loan Details - Eligible service industry operators can sign loan contracts with the company to receive compliant loans aimed at improving consumption infrastructure and enhancing service supply capabilities [1] - The company will not charge any service fees for processing the loan interest subsidies [1] Group 3: Customer Advisory - The company warns customers to be cautious of scams and fraudulent activities, stating that no third-party institutions or individuals are authorized to handle these loan applications [1]

Report Industry Investment Rating - Not mentioned in the provided content Core Viewpoints - The Sino-US tariff conflict has been temporarily eased, and attention should be paid to the differentiation in the midstream start - up rates [1] - The government has introduced new regulations on loan consumption, including personal consumption loan fiscal discount policies and service industry business entity loan discount policies [1] Industry Overview Upstream - Energy: International oil prices have continued to decline [1] - Black: Glass prices have declined [1] Midstream - Chemical: The PX start - up rate has been rising recently, while the PTA start - up rate has been declining [2] - Energy: The decline in coal consumption by power plants has slowed down, and coal inventories have increased [2] Downstream - Real estate: The sales of commercial housing in first - and second - tier cities have seasonally declined and are at a near - three - year low [2] - Service: The popularity of the film and television industry has decreased [2] Other Data Industry Credit Spread Tracking - Different industries have different credit spread values and trends, such as the credit spread of the agricultural, forestry, animal husbandry and fishery industry being 47.81BP this week, with a previous value of 45.97BP [43] Key Industry Price Index Tracking - Various industries have different price index changes, such as the spot price of corn being 2320.0 yuan/ton on August 12, with a year - on - year change of - 0.37% [44]

【纠错】 【责任编辑:赵阳】 新华社音视频部制作 8月13日，国务院新闻办公室举行新闻发布会，介绍个人消费贷款贴息政策和服务业经营主体贷款贴息 政策有关情况，并答记者问。财政部金融司司长于红表示，服务业经营主体贷款贴息的条件，核心是要 将贷款资金用于经营活动。 ...

该行将坚持市场化、法治化原则，优化办理流程，简化办理手续，对符合上述通知要求的贷款实施贴 息。后续办理流程及相关问题解答，该行将通过交通银行官网、手机银行App、微信公众号等官方渠道 统一发布。 本报讯 （记者熊悦）8月13日，交通银行（601328）官方微信发布公告，该行响应并执行《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》精神及相关要求，依法合规推 进个人消费贷款与服务业经营主体贷款贴息工作。 ...

Core Viewpoint - Major Chinese banks are implementing a subsidy program for personal consumption loans to stimulate consumer spending and reduce credit costs, in line with government directives [1][4][6][9]. Group 1: Implementation Details - The subsidy program for personal consumption loans will commence on September 1, 2025, for eligible loans [2][5][7]. - Banks will not charge any service fees for processing these loans and will not delegate the process to any third-party entities [2][5][8]. - Specific procedures and guidelines for the subsidy program will be published through official channels such as bank websites, mobile apps, and social media [1][4][6][9]. Group 2: Objectives and Goals - The initiative aims to enhance market vitality, stimulate consumption potential, and lower the cost of consumer credit [1][4][6][9]. - The program is part of a broader effort by the government to boost domestic demand and support economic growth [1][4][9].

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies aims to stimulate consumer spending and support the service industry, thereby enhancing economic circulation and improving people's livelihoods [1][2]. Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan interest subsidy policy is the first of its kind from the central government, directly benefiting the public [1][2]. - The subsidy applies to loans used for various consumer purposes, including daily expenses under 50,000 yuan and larger purchases like cars and home renovations, with a subsidy rate of 1 percentage point [2][5]. - The policy is effective for one year, allowing individuals to receive a maximum subsidy of 500 yuan per loan, with the potential to aggregate multiple loans for a total of up to 3,000 yuan [5][7]. Group 2: Service Industry Loan Subsidy Policy - The service industry loan interest subsidy policy targets loans to service sector businesses in key areas such as dining, health, and tourism, with a similar subsidy rate of 1 percentage point [2][6]. - Each service entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, applicable for one year [2][6]. - The policy is designed to be straightforward, with the application and approval processes managed by lending institutions and local government departments to minimize borrower burden [8]. Group 3: Application Process and Implementation - Borrowers need to authorize lending institutions to access transaction information to qualify for the subsidy, which simplifies the process [6][8]. - For personal loans, the lending institution will directly deduct the subsidy from the interest payments, allowing borrowers to be informed of their subsidy status through various communication methods [6][8]. - The service industry can expect a similar process, where banks will return the subsidy amount to businesses after receiving funds from the government [7][8].

据央视新闻消息，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》，明确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。 关于个人消费贷贴息，六大行发布公告，原文如下： 中国工商银行关于个人消费贷款与服务业经营主体贷款贴息工作的公告 尊敬的中国工商银行客户： 为落实党中央、国务院决策部署，进一步支持提振和扩大消费，激发消费潜力，提升市场活力，降低居 民消费信贷成本，我行依据《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）和《关于印发<服务业经营主体贷款贴息政策实施方案>的通知》（财金〔2025〕81 号）精神和相关要求，正在依法依规、积极有序推进财政贴息工作。 我行办理上述贷款贴息不收取任何服务费用，没有委托官方渠道以外的任何机构、人员代为办理，请广 大客户谨防各种形式的诈骗，保障财产和信息安全。具体办理渠道、操作指引等实施细则后续将通过中 国工商银行官网、营业网点、官方微信公众号等渠 ...

为了支持消费，8月12日，多个部门印发《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》。其中，《个人消费贷款 财政贴息政策实施方案》是中央层面首次推出此类政策，引发广泛关注。 个人消费贷方面，政策明确：今年将对符合条件的个人消费贷款给予财政贴息。今后我们贷款买车、买家电等个人消费，国家会补贴一部分贷款利息，额 度是年1个百分点。 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）。 服务业经营贷 方面，政策明确：餐饮住宿、健康、养老等8类消费领域服务业经营主体，今后向银行贷款也能享受1个百分点的财政 贴息。 例如，以前企 业贷款利率是3%，今后就只需要2%了，大大降低了企业的融资成本。 财政部副部长廖岷在国新办新闻发布会上表示，个人消费贷款财政贴息政策和服务业经营主体贷款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。 不断加大财政、金融配 ...

Core Points - The press conference held by the State Council Information Office introduced the personal consumption loan interest subsidy policy and the service industry loan interest subsidy policy, aimed at boosting consumer spending and supporting service sector growth [2][3][4] Personal Consumption Loan Subsidy Policy - The personal consumption loan interest subsidy policy is the first of its kind from the central government, directly benefiting residents by subsidizing loans used for consumption [2] - The subsidy applies to personal consumption loans used for various categories, including daily expenses under 50,000 yuan, and larger purchases such as home appliances, cars, and education, with a subsidy rate of 1% [2][3] - The policy is set to last for one year and aims to support both goods and service consumption, aligning with the diverse consumption trends of residents [2][4] Service Industry Loan Subsidy Policy - The service industry loan interest subsidy policy targets loans to service sector businesses, focusing on eight key areas: dining, accommodation, health, elderly care, childcare, housekeeping, culture and entertainment, and tourism [3] - The subsidy rate is also 1%, with a maximum loan amount of 1 million yuan per business and a maximum subsidy of 10,000 yuan [3][4] - The government plans to evaluate the effectiveness of these policies after their expiration and may consider extending or expanding them based on the results [3] Implementation and Application Process - The application process for both policies is designed to be straightforward and accessible, with low barriers to entry and no complex procedures [5][6] - For loans under 50,000 yuan, the subsidy is calculated based on the actual amount, while for larger loans, the subsidy is capped at 3,000 yuan when combined with smaller loans [5][6] - Borrowers can receive the subsidy directly through their loan provider, which will deduct the subsidy amount from the interest owed [6] Bank Participation - Several major banks, including Agricultural Bank, Construction Bank, and Industrial and Commercial Bank, have committed to implementing the personal consumption loan subsidy policy starting September 1, 2025 [10][11] - These banks emphasize compliance with the policy and the importance of consumer protection, ensuring that no service fees will be charged for processing the subsidies [11]

8月初，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》。 根据方案内容： 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。 ...