为了支持居民消费，财政部等多部门日前发布《个人消费贷款财政贴息政策实施方案》。如何才能享受 这一贴息优惠政策？一文读懂政策要点和申报流程。 支持范围 ·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。 ·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。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。 贴息规则 对于单笔5万元以下的消费，按照实际金额计算贴息，多笔叠加以后，在同一家贷款机构最高可以享受 贴息1000元；对于单笔5万元以上的消费，以5万元为上限来计算贴息，也可以多笔叠加，加上小额消费 的贴息以后，在同一家贷款机构最高可享受贴息是3000元。政策到期后，可视 ...

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》。什么时间 能享受到这项政策？需要符合哪些条件才能申请？申请个人消费贷款财政贴息需要哪些操作？究竟能享 受多少补贴？有哪些贷款经办机构？个人消费贷款资金用途有何要求？ 针对这些大家关心的热点问题，《金融时报》记者进行了梳理： Q：什么时间能享受到这项政策？ A：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。 Q：需要符合什么条件才能申请？ A：2025年9月1日至2026年8月31日期间，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。 具体规则：对于单笔5万元以下的消费，按照实际金额计算贴息，多笔叠加以后，在同一家贷款机 ...

经济观察网 8月13日，中银消费金融有限公司发布公告称，为贯彻落实国家扩内需促消费政策，将严格 执行《个人消费贷款财政贴息政策实施方案》（财金〔2025〕80号），确保财政贴息精准惠及消费者， 进一步释放消费潜力。公司表示将遵循市场化、法治化原则推进政策实施，后续将通过官网、APP及官 方微信公众号等渠道公布具体操作细则，请客户密切关注。（编辑 胡群） ...

（原标题：时报图说丨个人消费贷款财政贴息政策详解来了！） ...

本文转载自每日经济新闻 值班编辑 | 江江 视觉 | 顾芗 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。 全文如下： 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 各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财政局，中国人民银行上海总 部，各省、自治区、直辖市及计划单列市分行，金融监管总局各监管局，有关金融机构： （三）贷款经办机构。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 为贯彻落实党中央、国务院关于大力提振消费、全方位扩大国内需求的决策部署，我们研究制定了《个 人消费贷款财政贴息政策实施方案》，现印发给你们，请遵照执行。 财政部 中国人民银行 金融监管总局 2025年8月4日 个人消费贷 ...

1. Report Industry Investment Rating - No information provided on the industry investment rating 2. Core View of the Report - On Wednesday, the HC2510 contract decreased with reduced positions. Macroscopically, China and the US issued a joint statement, with the US promising to continue adjusting tariff measures on Chinese goods and suspending the implementation of a 24% reciprocal tariff for 90 days starting August 12. In terms of supply and demand, the weekly production of hot-rolled coils decreased, and the capacity utilization rate was 80.44%, still at a relatively high level; inventory increased, and apparent demand declined. Overall, recent supply-side disturbances supported the rebound of steel prices, but as market sentiment subsided, some varieties experienced corrections, and the short - term hot-rolled coil market fluctuated greatly. Technically, the 1 - hour MACD indicator of the HC2510 contract showed that DIFF and DEA were adjusting downward, and the red bars turned green. The recommended operation is short - term trading, paying attention to rhythm and risk control [2] 3. Summary by Related Catalogs 3.1 Futures Market - The closing price of the HC main contract was 3,451 yuan/ton, down 33 yuan; the position volume was 1,353,836 hands, down 27,724 hands; the net position of the top 20 in the HC contract was - 54,820 hands, down 6,310 hands; the HC10 - 1 contract spread was 4 yuan/ton, down 2 yuan; the HC warehouse receipt at the Shanghai Futures Exchange was 79,286 tons, unchanged; the HC2510 - RB2510 contract spread was 229 yuan/ton, up 3 yuan [2] 3.2 Spot Market - The price of 4.75 hot - rolled coils in Hangzhou was 3,540 yuan/ton, down 10 yuan; in Guangzhou and Wuhan, it was 3,500 yuan/ton, unchanged; in Tianjin, it was 3,440 yuan/ton, down 20 yuan. The basis of the HC main contract was 89 yuan/ton, up 23 yuan; the spread between hot - rolled coils and rebar in Hangzhou was 160 yuan/ton, up 30 yuan [2] 3.3 Upstream Situation - The price of 61.5% PB fine ore at Qingdao Port was 789 yuan/wet ton, up 7 yuan; the price of Hebei quasi - first - grade metallurgical coke was 1,535 yuan/ton, unchanged; the price of 6 - 8mm scrap steel in Tangshan was 2,250 yuan/ton, unchanged; the price of Hebei Q235 billet was 3,090 yuan/ton, down 30 yuan. The 45 - port iron ore inventory was 13,712.27 million tons, up 54.37 million tons; the sample coking plant coke inventory was 44.36 million tons, down 1.92 million tons; the sample steel mill coke inventory was 619.30 million tons, down 7.48 million tons; the Hebei billet inventory was 115.36 million tons, up 4.34 million tons [2] 3.4 Industry Situation - The blast furnace operating rate of 247 steel mills was 83.77%, up 0.29%; the blast furnace capacity utilization rate was 90.07%, down 0.15%. The sample steel mill hot - rolled coil production was 314.89 million tons, down 7.90 million tons; the sample steel mill hot - rolled coil capacity utilization rate was 80.44%, down 2.02%. The sample steel mill hot - rolled coil factory inventory was 77.88 million tons, down 1.42 million tons; the 33 - city hot - rolled coil social inventory was 278.75 million tons, up 10.10 million tons. The domestic crude steel production was 8,318 million tons, down 336 million tons; the net steel export volume was 938.40 million tons, up 17.40 million tons [2] 3.5 Downstream Situation - The monthly automobile production was 2.591 million vehicles, down 0.2031 million vehicles; the monthly automobile sales were 2.593 million vehicles, down 0.3115 million vehicles. The monthly air - conditioner production was 28.3831 million units, down 1.0969 million units; the monthly household refrigerator production was 9.0474 million units, up 0.5374 million units; the monthly household washing machine production was 9.5079 million units, up 0.0959 million units [2] 3.6 Industry News - The Ministry of Finance, the People's Bank of China, and the State Administration of Financial Supervision formulated the Implementation Plan for the Fiscal Interest Subsidy Policy for Personal Consumption Loans, and state - owned banks followed up. On August 8, 2025, the Australian Anti - Dumping Commission postponed the release of the basic fact report and final - ruling recommendation for the anti - dumping sunset review of steel reinforcing bars imported from China, and was expected to complete the basic fact report by December 10, 2025, and submit the final - ruling report to the Australian Minister of Industry and Science by February 9, 2026 [2] 3.7 Key Focus - The weekly production, in - plant inventory, and social inventory of hot - rolled coils on Thursday [2]

Report Investment Rating - No investment rating information provided in the report. Core View - On Wednesday, the yields of treasury bond cash bonds strengthened collectively, and the yields of 1Y - 7Y maturity declined by about 0.50 - 1.50bp, while the yields of 10Y and 30Y declined by about 1bp to 1.72% and 1.96% respectively. Treasury bond futures also strengthened collectively, with the main contracts of TS, TF, T, and TL falling by 0.03%, 0.05%, 0.02%, and 0.10% respectively. The central bank continued to conduct net withdrawals, and the weighted average rate of DR007 rebounded slightly to around 1.46% and fluctuated. Domestically, the effect of policies to expand domestic demand has emerged. In July, the year - on - year increase of core CPI continued to rise, and the month - on - month decline of PPI narrowed. In July, the PMIs of both manufacturing and non - manufacturing sectors declined comprehensively, the supply and demand decreased marginally, and the composite PMI declined slightly but remained above the boom - bust line, indicating that overall production and business activities remained stable. In terms of trade, the export growth rate continued to rise in July, showing the resilience of foreign trade. Overseas, the suspension period of China - US tariffs was extended by 90 days. The year - on - year increase of US CPI in July was flat and lower than expected. Previous non - farm data showed weakness in the labor market, and the market expects the probability of the Fed cutting interest rates in September to be higher than 90%. Recently, the equity market has been strong, and the stock index is approaching the high point since October last year, triggering concentrated selling of bonds by trading accounts, with significant selling pressure on the ultra - long end of interest - rate bonds. Currently, the bond market is still tied to equity fluctuations. Against the backdrop of unchanged risk - preference dominance, the linkage between stock and bond fluctuations may further strengthen. It is recommended to wait and see for the time being [2]. Summary by Relevant Catalog 1. Futures Market - **Futures Prices and Volumes**: The closing prices of T, TF, TS, and TL main contracts were 108.435 (+0.02%), 105.745 (+0.05%), 102.368 (+0.03%), and 118.270 (+0.1%) respectively. The trading volumes of T, TF, TS, and TL main contracts were 77715 (+6311), 47424 (-1345), 39500 (+1660), and 125564 (+4221) respectively [2]. - **Futures Spreads**: Most of the spreads such as TL2512 - 2509, T2512 - 2509, TF2512 - 2509, and TS2512 - 2509 showed an upward trend, while T09 - TL09 spread decreased by 0.11 [2]. - **Futures Positions**: The main contract positions of T, TF, TS, and TL all decreased. The net short positions of T and TL among the top 20 decreased, while the net short position of TF increased and that of TS decreased slightly [2]. 2. Bond Market - **CTD Bonds**: The net prices of several CTD bonds such as 220010.IB, 250007.IB, etc. showed an upward trend, except for 210014.IB which decreased slightly [2]. - **Active Treasury Bonds**: The yields of 1 - year, 5 - year, 7 - year, and 10 - year active treasury bonds increased, while the yields of 3 - year active treasury bonds decreased [2]. 3. Interest Rates - **Short - term Interest Rates**: The short - term interest rates of silver - pledged overnight, 7 - day, 14 - day, and Shibor overnight, 7 - day, 14 - day all showed an upward trend, while the 1 - year and 5 - year LPR remained unchanged [2]. 4. Open Market Operations - The issuance scale of open - market operations was 1185 billion yuan, the maturity scale was 1385 billion yuan, with a net withdrawal of 200 billion yuan, and the interest rate was 1.4% for 7 - day reverse repurchase [2]. 5. Industry News - The three departments jointly issued the "Implementation Plan for the Fiscal Interest Subsidy Policy for Personal Consumption Loans", and the nine departments including the Ministry of Finance issued the "Implementation Plan for the Interest Subsidy Policy for Loans to Service - Industry Business Entities" [2]. 6. Key Concerns - On August 14 at 20:30, the number of initial jobless claims in the US for the week ending August 9 will be released; on August 15 at 20:30, the monthly rate of US retail sales in July will be released [3].

螺纹钢产业链日报 2025/8/13 研究员: 蔡跃辉 期货从业资格号F0251444 期货投资咨询从业证书号Z0013101 免责声明 本报告中的信息均来源于公开可获得资料，瑞达期货股份有限公司力求准确可靠，但对这些信息的准确性及完整性不做任何保证，据此投资，责任自负。 本报告不构成个人投资建议，客户应考虑本报告中的任何意见或建议是否符合其特定状况。本报告版权仅为我公司所有，未经书面许可，任何机构和个人 不得以任何形式翻版、复制和发布。如引用、刊发，需注明出处为瑞达期货股份有限公司研究院，且不得对本报告进行有悖原意的引用、删节和修改。 | 项目类别 | 数据指标 | 最新 | 环比 数据指标 | 最新 | 环比 | | --- | --- | --- | --- | --- | --- | | 期货市场 | RB主力合约收盘价(元/吨) | 3,222.00 | -36↓ RB主力合约持仓量(手) | 1652593 | +47205↑ | | | RB合约前20名净持仓(手) | -103473 | -27573↓ RB10-1合约价差(元/吨) | -74 | +4↑ | | | RB上期所仓单日报(日 ...

北京商报讯（记者 刘四红）8月13日， 中银消费金融有限公司发布关于落实个人消费贷款财政贴息工作 的公告，为深入贯彻落实党中央、国务院决策部署，助力扩内需促消费，中银消费金融将积极落实并严 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》（财金［2025］80号），确保财政 贴息的政策精准直达消费者，进一步释放消费潜力。公司将遵循市场化、法治化原则，推动政策落地实 施。具体操作指引等实施细则后续将通过官网、中银消费金融App、中银消费金融官微等渠道公布。 ...

研究员: 黄闻杰 期货从业资格号F03142112 期货投资咨询从业证书号Z0021738 玻璃方面，供应端：玻璃产线冷修数量减少1条，产量小幅增加，但是整体产量还在底部，刚需生产迹象明 纯碱玻璃产业日报 2025-08-13 | 最新 环比 | | | | | 项目类别 数据指标 | | 最新 环比 | | | | | 数据指标 | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1383 169 | | | | | 纯碱主力合约收盘价(日,元/吨) 纯碱与玻璃价差(日,元/吨) | | 1214 141 1217919 64009 | | | | | -26 玻璃主力合约收盘价(日,元/吨) -167 纯碱主力合约持仓量(日,手) | | | | | 玻璃主力合约持仓量(日,手) | | | | | | | | | | | | 1023728 149431 纯碱前20名净持仓 -327717 37629 | | | | | 期货市场 | | | ...