【导读】消费贷款领域又一次"国补"落地，防范贴息资金套取挪用风险 事关个人消费贷贴息，更多细节公布！ 8月13日上午，国新办举行新闻发布会，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，并回答记者问。 值得一提的是，#个人单笔5万元以下消费可享贴息#的词条近期冲上微博热搜榜，且热度持续提升。截至发稿，该词条仍保持在 热搜榜第三位。 贴息对象为：居民使用的相关贷款经办机构个人消费贷款中实际用于消费的部分，包括单笔5万元以下日常消费，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、电子产品和健康医疗等重点领域消费，贴息比例为1个百分 点，大体为当前商业银行个人消费贷款利率水平的1/3，政策实施期为1年。支持范围既包括商品消费，也包括服务消费。 服务业经营主体贷款的贴息政策，贴息对象是向消费领域服务业经营主体发放的银行贷款，聚焦餐饮住宿、健康、养老、托 育、家政、文化娱乐、旅游、体育等8类主要消费服务领域。贴息比例为1个百分点，可以贴息1年，上述领域的服务业经营主体 单户享受贴息的贷款规模最高为100万元，单户 ...

Core Viewpoint - The article discusses the implementation of a new personal consumption loan interest subsidy policy in China, aimed at boosting consumer spending and supporting service industry growth [6][9]. Summary by Sections Policy Overview - The personal consumption loan interest subsidy policy is a first for the central government, directly benefiting consumers by subsidizing loans used for consumption [6]. - The subsidy applies to loans under 50,000 yuan for daily expenses and loans of 50,000 yuan or more for key areas such as home appliances, education, and healthcare, with a subsidy rate of 1 percentage point [6][9]. Duration and Evaluation - The policy is set for one year, with potential for extension or expansion based on effectiveness evaluations [5][7]. Impact on Service Industry - The subsidy also targets loans to service industry entities in sectors like hospitality, healthcare, and entertainment, with a maximum loan size of 1 million yuan and a subsidy cap of 10,000 yuan per entity [6][7]. - In 2024, service consumption is projected to account for 46.1% of per capita consumption expenditure, contributing 63% to the growth of consumer spending [7]. Implementation Process - Borrowers will not need to take additional steps to access the subsidy; the lending institutions will handle the necessary processes [8][9]. - Borrowers must authorize lenders to access their transaction information to calculate the subsidy, which will be communicated through SMS or apps [9]. Compliance and Monitoring - The policy emphasizes that loans must be used for legitimate consumption or business activities; misuse for non-consumption purposes will disqualify borrowers from receiving subsidies [10][12]. - Financial regulators will monitor the use of funds to ensure compliance and protect borrowers' rights [12].

廖岷强调，贷款经办机构对借款人授信时，要基于借款人的真实需求和信用状况，不得借贴息政策诱导 消费者进行借贷。 北京商报讯（记者 宋亦桐）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》政策有关情况，财政部副部长廖岷指 出，这两项贴息是直达用户、惠民、惠企的政策，财政部将配合金融监管部门，督促贷款经办机构要认 真做好贷款管理，维护借款人的合法权益，确保政策执行不走样。 ...

Core Points - The "Double Subsidy" policy for personal consumption loans and service industry loans is introduced to stimulate domestic consumption and economic growth [3][6] - The policy is set for a duration of one year, with a possibility of extension based on evaluation [3][5] Group 1: Policy Overview - The personal consumption loan subsidy directly benefits the public, marking the first time central finance has subsidized personal consumption loans [3][6] - The subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rate [6] - The service industry loan subsidy targets eight key service sectors, including dining, health, and tourism, with a maximum loan amount of 1 million yuan per entity [6][11] Group 2: Implementation Details - Consumers must use personal consumption loans for eligible expenditures to qualify for the subsidy; loans used for non-consumption purposes will not receive support [9][10] - For example, a consumer borrowing 200,000 yuan for home renovation at a 3% interest rate could save 2,000 yuan in interest due to the subsidy [10] - Service industry entities do not need to apply for the subsidy; it is automatically processed through normal banking procedures [10][11] Group 3: Evaluation and Future Considerations - After the policy's expiration, an evaluation will be conducted to consider extending the policy, expanding support, and adjusting loan processing [5][7] - The design of the policies adheres to five principles, focusing on consumer needs and market-oriented operations [7][11]

8月13日，国新办举行新闻发布会，请财政部副部长廖岷，财政部金融司司长于红，商务部服务贸易和商贸服务业司负责人王波，中国人民银行信 贷市场司负责人车士义，金融监管总局新闻发言人、政策研究司司长郭武平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。 财政部副部长廖岷在会上表示，个人消费贷款和消费领域的服务业经营主体贷款实施贴息政策是中央层面首次实施，部分媒体称之为消费贷款领 域的又一次"国补"，充分体现了中国政府对扩大消费的重视程度。 来源：大众新闻 ...

Core Points - The Ministry of Finance, in collaboration with other departments, has introduced two subsidy policies for personal consumption loans and service industry loans aimed at boosting consumer spending [1][3] - The personal consumption loan subsidy will benefit a wide range of consumers, with a subsidy rate of 1% applicable to loans used for various consumption purposes, including daily expenses and significant purchases like cars and education [1][3] - The service industry loan subsidy targets eight key sectors, including dining, health, and tourism, with a similar subsidy rate and a maximum loan amount of 1 million yuan per entity [3] Summary by Category Personal Consumption Loan Subsidy - This is the first time the central government has provided subsidies for personal consumption loans, directly benefiting consumers [1] - The subsidy applies to loans up to 50,000 yuan for daily expenses and larger loans for specific categories such as home purchases and education [1] - The subsidy rate of 1% is approximately one-third of the current commercial bank loan interest rates, and the policy will be in effect for one year [1][3] Service Industry Loan Subsidy - The subsidy is aimed at service industry entities in sectors like dining, health, and entertainment, with a focus on enhancing consumer services [3] - Each entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, with a 1% subsidy rate for one year [3] - The policies are designed to be straightforward, minimizing barriers for consumers and businesses to access the benefits [3]

8月13日上午，国务院新闻办举行新闻发布会，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。财政部金融司相关负责人在回答极目新闻记者提问时表示，两项贴息政策涉及的侧重点均是广覆 盖、低门槛，未设置复杂的申请程序。 极目新闻记者 曹雪娇 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。今年3月16日公开发布《提振消费专项 行动方案》，对于餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育这8类消费领域服务业经营主 体而言，从今年3月16日到年底的时间里，只要与银行签订了贷款合同，而且已经收到贷款资金的这些经营主 体，都可以享受最长1年的贴息，贷款期限不足一年的，按照实际期限来进行贴息。 "这里要向广大服务业经营主体说明的是，贷款资金必须合规用于正常的经营活动，例如拓展空间、优化布 局、提升硬件、增加业态、人员培训、产品研发等，重点是要改善消费基础设施、提升服务供给能力，不能 用于投资理财和套利活动。"于红称。 （来源：极目新闻） 极目新闻记者提问（图源：国新网） 发布会现场（图源：国新网） 记者注意到，8月12日，《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 ...

8月13日上午，国新办举行新闻发布会，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（简称"两项贴息政策"）有关情况。 来源：北京日报客户端 发布会上，财政部副部长廖岷表示，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。 流程编辑：U022 举个例子，如果一名消费者使用个人消费贷款，在政策执行期内他花了20万元用于装修购置家具家电等消费品。假设该笔消费贷款的年利率为3%，在没有 贴息的情况下，全年需要支付的贷款利息是6000元，享受个人消费贷款一个百分点的贴息以后，最高可减少利息支出2000元，这样就可以获得了1/3的一个 利息补贴。 记者了解到，与常规贷款办理流程相对，个人消费贷款借款人需要授权经办机构识别相关贷款账户的交易信息，用于贴息资金的测算。贷款经办机构将根据 大家实际消费的情况，按照政策规定的贴息比例、贴息上限等要求来计算财政的贴息金额。 在定期收取贷款利息的时候，直接扣减由财政承担的贴息资金。借款人可通过短信、手机APP等方式知晓享受财政贴息的具体情况，不需要其他的额外的操 作。 ...

这里还要说明一点，个人消费贷款贴息政策支持的是消费者合理的借贷需求和真实的消费行为，如果借 款人使用个人消费贷款用于一些非消费领域，或是其他违规套利行为，这不属于政策的支持范围，将无 法取得贴息资金。 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； （总台央视记者 王楠 蒋勇） 今天上午10时，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。 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。 个人消费贷款符合什么条件才能享受贴息政策？财政部金融司司长于红为大家介绍了具体规则。 ...

北京商报讯（记者 宋亦桐）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》政策有关情况，财政部副部长廖岷指 出，与以往直接财政补贴相比，两项贴息政策的特点是和金融政策协同发力，来发挥公共资金的引导作 用，撬动更多金融活水流向真正的消费领域，以激发消费潜力，提升市场的活力。 廖岷表示，"做个简单的测算，如果按照1%的贴息比例，意味着1元的贴息资金，有可能带动100块元贷 款资金用于居民消费或者是消费领域服务业的供给，所以这是一个公共资金和金融工具的结合产生的撬 动效应。" ...