Group 1 - The core objective of the new personal consumption loan interest subsidy policy and service industry loan interest subsidy policy is to stimulate consumption and expand domestic demand through financial and fiscal collaboration [3][5] - The policies aim to reduce credit costs for residents and business entities, thereby enhancing the overall economic cycle while improving people's livelihoods [3][5] - The implementation of these policies is designed to be straightforward, with minimal barriers for consumers and service providers, covering a wide range of essential consumption scenarios [5] Group 2 - The policies are expected to address the increasingly diverse and multi-layered consumption demands of the public, focusing on both the demand and supply sides of consumption [5] - The timing of the policy rollout coincides with peak consumption periods such as summer vacations and upcoming traditional holidays, which is anticipated to boost consumer spending [5] - The Ministry of Finance will collaborate with relevant departments to ensure effective implementation and maximize the policies' impact on enhancing consumer services and meeting the growing needs of the public [5]

Group 1 - The core viewpoint of the article emphasizes the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to stimulate consumption and support economic recovery [1][2] - In the first half of the year, the total retail sales of consumer goods increased by 5.0% year-on-year, while service retail sales grew by 5.3%, indicating a strong recovery in the economy [1][2] - The policies aim to enhance consumption capacity and expand effective supply from both demand and supply sides, particularly boosting service consumption [2][4] Group 2 - From 2020 to 2024, China's service consumption has maintained rapid growth, with per capita service consumption expenditure increasing by an average of 9.6% annually [4] - By 2024, the proportion of per capita service consumption expenditure to total per capita consumption expenditure is expected to reach 46.1%, contributing 63% to the growth of resident consumption expenditure [4] - The government is focusing on releasing domestic demand potential and cultivating new growth points in service consumption while promoting the upgrade of bulk consumption [4][5] Group 3 - Increased demand for service consumption encourages enterprises to expand differentiated and personalized service offerings, leading to improved corporate profitability and job creation [5] - This cycle of service consumption growth is expected to stabilize employment and increase residents' income, further boosting service consumption and driving prices upward [5]

央视网消息：8月13日上午，国务院新闻办召开发布会，财政部、商务部、中国人民银行、金融监管总局负责人介绍了昨日公布的个人消费贷款及服务 业经营主体贷款贴息政策有关情况。 专家表示，政策一方面将直接降低居民消费信贷成本，另一方面将降低消费领域经营主体的融资成本，帮助经营主体保持生产经营持续性，还将激发相 关经营主体和居民有效融资需求，扩大商业银行、消费金融公司消费贷款和相关贷款投放，并将利率稳定在合理水平。 光大证券研究所副所长 王一峰：对重点领域消费进行贴息，以真金白银支持居民消费，扩大内需，助力畅通经济内循环，财政贴息采取"先拨后贷"方 式，利率为年化1%，大体相当于目前商业银行个人消费贷利率水平的三分之一。领取贴息后，优质客户消费贷款利率将进入2字头，相当于（贷款）利率打 了7折，能够明显降低消费信贷融资成本，增强消费信贷融资需求稳定性，切实减轻居民负担。 对于下一步政策执行和安排，专家还表示，货币政策与财政政策的协同效应将进一步增强，强化贴息政策与已经出台的消费品以旧换新、服务消费与养 老再贷款等政策工具协同。 财政部副部长 廖岷：这项政策直接惠及广大人民群众，是中央财政首次对个人消费贷款进行贴息，贴息 ...

8月13日，国新办举行发布会，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。个人消费贷如何享"国补"？如何申请？办理流程复杂吗？一文读懂。 图片来源：国新办官网 Q1："双贴息"政策期限一年，有哪些主要内容？到期后将视情况研究是否延长? 财政部副部长廖岷表示，个人消费贷款财政贴息政策，直接惠及广大人民群众，是中央财政首次对个人 消费贷款进行贴息。贴息对象为居民使用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5万元以下的日常消费，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 款利率水平的三分之一，政策实施1年。 图片来源：新京报贝壳财经 廖岷表示，从消费结构看，目前我国服务消费仍具有较大增长潜力，要释放其潜力，需要有高品质的供 给，因此，我们同步实施了服务业经营主体贷款贴息政策，贴息对象是向消费领域服务业消费经营主体 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、体育等八类主要消费服 务业领域。贴息比例为1个百分点，可以贴息1年， ...

21世纪经济报道记者 唐婧 北京报道 首先，积极开展政策宣传与解读。商务部将协同财政部开展广泛深入的政策宣传，指导地方商务主管部 门结合促消费活动加强政策宣介，提升政策知晓度和宣传覆盖面。商务部还将发挥行业协会和平台企业 的作用，推动政策快速精准触达企业，加快政策落地见效。 其次，强化贷款贴息政策审核把关。商务部将督促指导省级商务主管部门认真审核经办银行省行报送的 相关材料，审核贷款是否符合支持范围和贴息条件，及时将审核结果反馈省级财政、金融监管部门，让 政策红利切实惠及符合条件的经营主体。 最后，做好政策实施效果跟踪问效。商务部将指导地方商务主管部门通过定期实地走访、行业座谈等方 式，梳理经营主体在贷款申请、贴息审核、贴息拨付等环节的诉求和建议，持续优化完善相关工作。同 时，商务部还将与各有关部门加强沟通协调，推动解决政策落地过程中出现的有关问题，进一步提升政 策实施成效。 王波表示，本次发布的服务业经营主体贷款贴息政策，为相关的经营主体提供了"真金白银"的支持，是 促进服务消费高质量发展的重要举措。商务部既是服务消费工作的牵头部门，也直接负责实施方案中涵 盖的餐饮住宿、家政等行业的管理工作。 王波介绍，下 ...

Core Viewpoint - The Chinese government has introduced personal consumption loan interest subsidy policies aimed at enhancing consumer spending and supporting service industry operators, with a focus on simplifying access and ensuring broad coverage for the public [3][7]. Policy Overview - The policies are designed to directly benefit consumers and service providers by reducing credit costs and increasing policy coverage, thereby improving the quality of goods and services available to residents [3][4]. - The interest subsidy is set at 1 percentage point, which is approximately one-third of the current personal consumption loan interest rates offered by commercial banks, and will be implemented for one year [7][10]. Eligibility and Conditions - Personal consumption loans must be used for legitimate consumption needs; loans used for non-consumption purposes will not qualify for the subsidy [6][10]. - For loans under 50,000 yuan, the subsidy is calculated based on the actual amount borrowed, with a maximum subsidy of 1,000 yuan for multiple loans at the same institution. For loans above 50,000 yuan, the subsidy is capped at 3,000 yuan [4][10]. Targeted Areas for Subsidy - The subsidy covers various key consumption areas, including household vehicles, elderly care, education, cultural tourism, home decoration, electronic products, and healthcare [8][9]. - The service industry loan subsidy targets sectors such as catering, health, elderly care, childcare, home services, cultural entertainment, tourism, and sports, with a maximum loan amount of 1 million yuan per entity [7][9]. Implementation and Management - The policies emphasize a market-oriented and legal framework for credit assessment and management, ensuring strict adherence to credit supervision and risk control measures [3][7]. - The implementation involves collaboration among central and local departments to ensure effective execution and monitoring of the subsidy programs [3][7].

《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》已公开印发。 "这里还是要说明一点，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。"于红表示。 针对消费领域的服务业经营主体贷款贴息政策，廖岷介绍，从消费结构看，我国目前服务消费具有较大 增长潜力，为了释放这一潜力，需要有更高品质的供给，因此，同步实施了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是100万元，单户享受贴息最高1万元。 针对申请条件，于红表示，核心是要将贷款资金用于经营活动。《提振消费专项行动方案》是今年3月 16日公开发布的，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 ...

Core Viewpoint - The Chinese government is implementing policies to boost consumer spending, including personal consumption loan interest subsidies and trade-in programs, in response to a slowdown in retail sales growth [2] Group 1: Economic Performance - In the first half of the year, China's total retail sales of consumer goods increased by 5.0% year-on-year, while service retail sales grew by 5.3%, providing strong support for economic recovery [2] - In June, the year-on-year growth rate of retail sales slowed to 4.8%, prompting the government to take action to stimulate consumption [2] Group 2: Policy Measures - The Ministry of Commerce is actively implementing special actions to boost consumption, focusing on upgrading major consumption and enhancing service consumption support policies [2] - The government is launching a series of "Buy in China" activities to expand and upgrade consumption continuously [2] Group 3: Future Outlook - The combination of personal consumption loan interest subsidies and other consumption expansion policies is expected to further stimulate the vitality and potential of the super-large market in the second half of the year [2]

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，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。 【纠错】 【责任编辑:赵文涵】 ...

南都讯记者杨文君 潘珊菊 发自北京 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有关情况。 8月12日，财政部联合商务部、中国人民银行、金融监管总局等相关部门发布了《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》，通过财政和金融的联动，支持促消费、扩内需。 财政部金融司司长于红介绍，总体来看，这两项贴息政策涉及的侧重点都是广覆盖、低门槛，也没有设置复 杂的申请程序，尽量让大家做到"省钱又省心"，只需要满足一些基本的、必要的条件，就可享受政策的支持， 确保精准发挥提振消费、扩大内需的政策效果。 财政部金融司司长于红。 关于居民享受个人消费贷款贴息的条件，于红表示，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。 于红还详细介绍了具体规则：对于 ...