Hot News - From 12:01 on August 12, 2025, the additional tariff measures stipulated in the "Announcement of the Tariff Commission of the State Council on Imposing Additional Tariffs on Imported Goods Originating from the United States" (Tariff Commission Announcement No. 4 in 2025) will be adjusted. The 24% additional tariff rate on US goods will continue to be suspended for 90 days, while the 10% additional tariff rate will be retained [1] - The People's Government of Guangzhou and other departments issued the "Implementation Plan on Implementing the Opinions on Financial Support for the In - depth All - around Cooperation of Guangdong, Hong Kong and Macao in Nansha, Guangzhou Facing the World", proposing to support the Guangzhou Futures Exchange to actively study power futures and strive for the support of the National Development and Reform Commission, the China Securities Regulatory Commission and other departments to explore the timely launch of power futures [1] - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration issued the "Implementation Plan for the Fiscal Interest Subsidy Policy for Personal Consumption Loans". The annual interest subsidy ratio is 1 percentage point, with a maximum of 50% of the loan contract interest rate. The central and provincial finances will bear 90% and 10% of the interest subsidy funds respectively [1] - On August 12, Foreign Ministry Spokesperson Lin Jian was asked by a AFP reporter about US President Trump's post on the "Truth Social" platform, expressing the hope that China would triple its soybean orders as a way to significantly reduce the US - China trade deficit. Lin Jian said that specific issues should be referred to the competent authorities, and China's stance on US - China economic and trade issues is consistent and clear [1] - Federal Reserve's Barkin said that the uncertainty about the direction of the US economic development is decreasing, but it is still unclear whether the central bank should focus more on controlling inflation or supporting the job market [2] Key Focus - The commodities to focus on are coking coal, rapeseed meal, crude oil, soda ash, and fuel oil [3] Night - Session Performance Sector Performance - Non - metallic building materials had a 2.94% increase, precious metals 26.15%, oilseeds and fats 12.70%, non - ferrous metals 21.79%, soft commodities 2.41%, coal, coke, steel and minerals 15.48%, energy 3.36%, chemicals 11.22%, grains 1.15%, and agricultural and sideline products 2.80% [3] Sector Positions - The document shows the changes in commodity futures sector positions in the past five days, covering various sectors such as agricultural and sideline products, grains, chemicals, energy, coal, coke, steel and minerals, non - ferrous metals, etc. [4] Performance of Major Asset Classes Equity - The Shanghai Composite Index had a daily increase of 0.50%, a monthly increase of 2.59%, and a year - to - date increase of 9.37%; the SSE 50 had a daily increase of 0.61%, a monthly increase of 1.12%, and a year - to - date increase of 4.55%; the CSI 300 had a daily increase of 0.52%, a monthly increase of 1.67%, and a year - to - date increase of 5.31%; the CSI 500 had a daily increase of 0.41%, a monthly increase of 3.08%, and a year - to - date increase of 12.09%; the S&P 500 had a daily increase of 1.13%, a monthly increase of 1.68%, and a year - to - date increase of 9.59%; the Hang Seng Index had a daily increase of 0.25%, a monthly increase of 0.79%, and a year - to - date increase of 24.48%; the German DAX had a daily decrease of 0.23%, a monthly decrease of 0.17%, and a year - to - date increase of 20.67%; the Nikkei 225 had a daily increase of 2.15%, a monthly increase of 4.01%, and a year - to - date increase of 7.08%; the UK FTSE 100 had a daily increase of 0.20%, a monthly increase of 0.16%, and a year - to - date increase of 11.93% [5] Fixed - Income - The 10 - year Treasury bond futures had a daily decrease of 0.04%, a monthly decrease of 0.06%, and a year - to - date decrease of 0.46%; the 5 - year Treasury bond futures had a daily decrease of 0.00%, a monthly decrease of 0.01%, and a year - to - date decrease of 0.77%; the 2 - year Treasury bond futures had a daily decrease of 0.02%, a monthly decrease of 0.01%, and a year - to - date decrease of 0.62% [5] Commodities - The CRB Commodity Index had a daily decrease of 0.11%, a monthly decrease of 1.47%, and a year - to - date decrease of 0.46%; WTI crude oil had no daily change, a monthly decrease of 7.56%, and a year - to - date decrease of 11.03%; London spot gold had a daily increase of 0.18%, a monthly increase of 1.76%, and a year - to - date increase of 27.57%; LME copper had no daily change, a monthly increase of 1.24%, and a year - to - date increase of 10.76%; the Wind Commodity Index had a daily decrease of 0.87%, a monthly decrease of 0.47%, and a year - to - date increase of 15.07% [5] Others - The US dollar index had a daily decrease of 0.44%, a monthly decrease of 1.98%, and a year - to - date decrease of 9.60%; the CBOE Volatility Index had no daily change, a monthly decrease of 2.81%, and a year - to - date decrease of 6.34% [5] Main Commodity Trends - The document presents the trends of various commodities, including the Baltic Dry Index (BDI), CRB spot index, WTI crude oil, London spot gold and silver, LME 3 - month copper, CBOT soybeans and corn, etc., as well as the risk premium of the stock market [6]

Group 1: AI Technology Development - Huawei officially launched the AI inference innovation technology UCM, which is a KV Cache-centered inference acceleration suite designed to enhance throughput and reduce inference costs per token [1] Group 2: Personal Consumption Loan Policy - The Ministry of Finance, People's Bank of China, and financial regulatory authorities issued the "Personal Consumption Loan Fiscal Subsidy Policy Implementation Plan," encouraging local financial departments to support various financial institutions with fiscal subsidies [2][4] - The subsidy policy covers personal consumption loans used for various sectors, including household vehicles, education, and healthcare, with a focus on loans under 50,000 yuan and those above for specific categories [4] Group 3: Service Industry Loan Subsidy - A loan subsidy policy for service industry entities was introduced, with a maximum loan amount of 1 million yuan and a subsidy rate of 1% per annum, with a maximum duration of one year [5][6] - The policy strictly prohibits the use of loan funds for real estate development or other arbitrage activities, ensuring compliance in the use of funds [7] Group 4: Tax Policy for Express Services - The Ministry of Finance and the State Taxation Administration clarified that income from express services will be taxed as "delivery services" under the value-added tax [8] Group 5: AI Computing Center Investment - The Suzhou Artificial Intelligence (Taihu) Computing Center, with a total investment exceeding 2 billion yuan, has officially commenced operations, providing significant computing power for AI applications [9]

贷款经办机构为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。 （文章来源：新华社） 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。 贴息标准方面，实施方案明确，年贴息比例为1个百分点，且最高不超过贷款合同利率的50%，中央财 政、省级财政分别承担贴息资金的90%、10%。贷款合同利率需要符合相应利率自律约定。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）。 记者12日从财政部了解到，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》，明确对符合条件的个人消费贷款给予财政贴息。 实施方案称，2025年9月1日至2026年8月31日期间，居 ...

今天是 8 月 12 日 农历闰六月十九 罗马仕重启招聘了 发布了礼品渠道销售岗位 的招聘信息 这是想把库存卖出去？ 。。。 下面是今天的其他大新闻 # 个人单笔 5 万元以下消费可享贴息 8 月 11 日上午，宁德时代在深交所互动易平台回应称，公司在宜春项目采矿许可证 8 月 9 日到期后已暂停了开采作业，正按相关规定办理采矿证延续申 请，待获得批复后将尽早恢复生产，该事项对公司整体经营影响不大。 受上述宁德时代最新消息影响，8 月 11 日上午，锂矿板块上市公司集体上涨。截至上午盘结束，碳酸锂期货全线涨停，主力合约涨幅 8% ，报 81000 元 / 吨。 （ 央视新闻 ）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： ② 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。 ③ 年贴息比例为 1 个百分点（ 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% 。 ：这算 ...

三部门印发《个人消费贷款财政贴息政策实施方案》 据新华社电记者12日从财政部了解到，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》，明确对符合条件的个人消费贷款给予财政贴息。 贷款经办机构为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。 实施方案称，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。 贴息标准方面，实施方案明确，年贴息比例为1个百分点，且最高不超过贷款合同利率的50%，中央财 政、省级财政分别承担贴息资金的90%、10%。贷款合同利率需要符合相应利率自律约定。政策执行期 内，每名借款人在一家贷款经办机构可享受的 ...

Core Viewpoint - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration have issued a policy for fiscal subsidies on personal consumption loans, effective from September 1, 2025, to August 31, 2026, aimed at stimulating consumer spending through subsidized interest rates [1] Group 1: Policy Details - The policy allows residents to enjoy interest subsidies on personal consumption loans (excluding credit card transactions) that are used for consumption, with the identification of relevant consumption transaction information by the lending institution [1] - The subsidy covers single transactions below 50,000 yuan and those above 50,000 yuan in key consumption areas such as automobiles, healthcare, education, and home decoration [1][2] - The policy may be extended or expanded based on its implementation effectiveness after the expiration date [1] Group 2: Key Consumption Areas - Key areas eligible for subsidies include: - Household automobiles, including purchase, insurance, and maintenance [2] - Elderly care and childbirth services, including home modifications and childcare [2] - Education and training, covering certification training and continuing education [2] - Cultural tourism, supporting domestic travel services through qualified agencies [2] - Home decoration, including renovations and household appliances [2] - Electronic products, such as smartphones and personal computers [2] - Health and medical services, including dental and vision correction [2] Group 3: Financial Terms - The annual subsidy rate is set at 1% of the eligible personal consumption loan principal, capped at 50% of the loan contract interest rate [3] - The total subsidy limit for each borrower at one lending institution is 3,000 yuan, corresponding to a cumulative consumption amount of 300,000 yuan, with a separate limit of 1,000 yuan for loans below 50,000 yuan [3]

贷款经办机构有哪些？据方案，一是6家国有大型商业银行，包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中 国建设银行股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。二是12家全国性股份制商业银行，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司。三是5家其他 个人消费贷款发放机构，包括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。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。 视觉中国 扬子晚报网 8 月 12 日讯（记者 马燕 徐兢）8月12日，财政部、中国人民银行、金融监管总局发布《个人消费贷款财政贴息政策实施方案》。在支持范围 方面，2025年9月1日至2026年8月31日期间，居民个人 ...

12家全国性股份制商业银行 近日，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》。 要点如下↓↓ 支持范围 贷款经办机构 6家国有大型商业银行， 包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行 股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 ■ 家用汽车领域，包括汽车购置、车辆保险及维修。 ■ 养老生育领域，包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托 育、辅助生育消费等。 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 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 ...

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。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。 年贴息比例为1个百分点（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%，中央财政、省级财政分别承担贴息资金的90%、10%。贷款合同利率需要符合相应利 率自律约定。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）。 转自：央视新闻 ...

近日，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》。 家用汽车领域，包括汽车购置、车辆保险及维修。 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。 支持范围 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 贷款经办机构 贴息标准 个人消费贷款财政贴息重点领域 （适用单笔5万元及以上消费） 6家国有大型商业银行，包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行股份有限 公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。 12家全国性股份制商业银行，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 ...