记者丨 张欣 编辑丨杨希 视频丨 柳润瑛 "双贴息" 政策怎么办理？官方指引正式揭晓！ 8月13日上午，国务院新闻办公室举行新闻发布会，财政部副部长廖岷和商务部、中国人民银 行、金融监管总局有关负责人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。国有大行中，工商银行、农业银行、交通银行明确表示将依法合规推进个 人消费贷款与服务业经营主体贷款两项贴息工作。 财政部金融司司长于红在国新办会议上表示，总体来看，这两项贴息政策侧重点都是广覆盖、 低门槛，没有设置复杂的申请程序，尽量让大家"省钱又省心"，只要满足一些基本的、必要的 条件，就可享受政策支持，确保精准发挥提振消费、扩大内需的政策效果。 个人消费贷款贴息：核心是真实消费行为 于红称，居民享受个人消费贷款贴息的核心条件是要有真实的消费行为。她表示，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，亦或是旅游、养老、生育、教培、医疗等服务消费，只要在相关机 构获得消费贷款，其中实实在在用于消费的部分，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 ...

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 ...

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies and service industry operating entity loan interest subsidy policies marks a significant move by the central government to stimulate consumption and support economic recovery [1][5][7]. Summary by Relevant Sections Personal Consumption Loan Subsidy - The policy provides a 1% interest subsidy on eligible personal consumption loans, with a maximum subsidy of 3,000 yuan for each borrower, corresponding to a total consumption amount of 300,000 yuan [1][19]. - The subsidy is applicable to loans for purchasing cars, home appliances, and other personal consumption items, with a specific cap of 1,000 yuan for single loans under 50,000 yuan [1][19]. Service Industry Loan Subsidy - The policy extends to eight categories of service industries, including catering, accommodation, health, and elderly care, allowing these entities to benefit from a 1% interest subsidy on their loans [1][14]. - This initiative aims to significantly reduce financing costs for businesses, with an example showing a reduction from a 3% loan interest rate to 2% [1][14]. Implementation and Impact - Major state-owned banks, including ICBC, BOC, ABC, and CCB, have committed to implementing these subsidy policies starting from September 1, 2025 [2][25][29]. - The Ministry of Finance estimates that for every 1 yuan of subsidy, it could potentially mobilize 100 yuan in loan funds, enhancing the overall impact of the policy [4][8]. Policy Coordination and Goals - The policies are designed to work in tandem with existing consumption incentives, such as the "old-for-new" subsidy program, to create a comprehensive support system for consumer demand [9][11]. - The focus is on ensuring that the financial policies effectively support the livelihoods of citizens and stimulate consumption, thereby promoting economic circulation [6][11]. Regulatory Oversight - Financial regulatory authorities will monitor the implementation of these subsidy policies to ensure compliance and protect consumer rights [13][14]. - The policies emphasize a market-oriented and legal framework, aiming to simplify the application process for borrowers [12][14].

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]