Workflow
财政贴息
icon
Search documents
个人消费贷款、服务业经营主体贷款可享财政贴息 年贴息比例为1个百分点
Ren Min Ri Bao· 2025-08-13 00:04
为充分发挥财政政策引导带动作用,推动降低服务业经营主体融资成本,助力激发消费市场活力, 以高质量供给创造有效需求,财政部等九部门近日联合印发《服务业经营主体贷款贴息政策实施方 案》,明确对符合条件的消费领域服务业经营主体贷款给予财政贴息。 根据方案,同时符合以下条件的贷款可享受贴息政策:一是由经办银行向餐饮住宿、健康、养老、 托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主体发放。二是在《提振消费专项行动方 案》公开发布之日(2025年3月16日)至2025年12月31日期间签订贷款合同且相关贷款资金发放至经营 主体。三是贷款资金合规用于改善消费基础设施和提升服务供给能力。民办非企业法人的养老服务机构 同等享受贷款贴息政策。政策到期后,可根据实施效果研究延长政策期限、扩大支持范围。 对于贴息标准,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 ...
个人消费贷款、服务业经营主体贷款可享财政贴息:年贴息比例为一个百分点
Ren Min Ri Bao· 2025-08-12 23:40
方案要求相关部门强化监督约束,确保贴息资金专款专用。经审核发现存在违法违规行为的,财政部门 将追回相关贴息资金,并依法依规严肃处理。对于贷款经办机构违法违规行为,由相关部门依法依规追 究相应责任。对于借款人违法违规套取贴息资金的情况,由贷款经办机构纳入个人征信记录。 为更好发挥财政资金对提振消费的支持引导作用,降低居民消费信贷成本,助力释放居民消费潜力,财 政部、中国人民银行、金融监管总局近日联合印发《个人消费贷款财政贴息政策实施方案》,明确对个 人消费贷款进行财政贴息。 根据方案,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。 对于贴息标准,方案明确,年贴息比例为1个百分点,且最高不超过 ...
服务业经营主体贷个人消费贷可享贴息 银行迅速响应 年贴息比例均为1个百分点,中央财政承担贴息资金的90%
Zheng Quan Shi Bao· 2025-08-12 17:35
通过财政贴息,符合条件的服务业经营主体贷款与个人消费贷款可享受贴息政策——8月12日,《服务 业经营主体贷款贴息政策实施方案》和《个人消费贷款财政贴息政策实施方案》(以下合称"实施方 案")正式公布。两项贷款贴息政策的年贴息比例均为1个百分点,中央财政将承担贴息资金的90%, 以"真金白银"减轻服务业经营主体融资压力、激发居民消费潜力。 田利辉指出,家用汽车、教育医疗等高频消费场景受季节性影响显著,例如"金九银十"往往是汽车销售 旺季。贴息政策延迟至9月启动,不仅为金融机构预留了系统改造和风控准备的时间,也确保政策红利 能够覆盖全年消费高峰,实现"以时间换空间"的政策效果最大化。 个人消费贷款贴息政策执行期内,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,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。 根据实施方案,个人消费贷款贴息范围包括单笔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,基本可覆盖普通居民各类 日常生活性消费以及相对支出规模较大的重点领域消费。对于 ...
申请消费贷财政贴息需要哪些操作?财政部,最新回应!
证券时报· 2025-08-12 15:49
Core Viewpoint - The article discusses the implementation of the "Personal Consumption Loan Financial Subsidy Policy" aimed at boosting consumer spending and expanding domestic demand, which is crucial for economic growth and improving people's livelihoods [1][2][3]. Group 1: Background and Importance - Consumption is a key driver of economic growth and is essential for enhancing people's well-being and meeting their growing needs [2]. - The central government has emphasized the importance of boosting consumption in recent economic meetings and reports, highlighting it as a vital measure for economic stability and growth [3]. Group 2: Policy Features - The policy directly benefits individual consumers by reducing the cost of personal consumption loans, contrasting with previous policies that focused on investment and supply [4]. - It addresses actual consumer needs by covering a wide range of daily expenses and significant investments in areas such as automobiles, education, and healthcare [4][6]. - The policy operates under market-oriented and legal principles, ensuring responsible lending practices and preventing misuse of funds [5]. Group 3: Key Policy Details - The subsidy applies to personal consumption loans used for actual consumption, including amounts below and above 50,000 yuan, with a subsidy interest rate set at 1% per annum [6][7]. - The policy is effective for one year, from September 1, 2025, to August 31, 2026, with potential for extension based on its effectiveness [7]. Group 4: Implementation Process - The application and approval process for the subsidy is streamlined to minimize the burden on borrowers, with financial institutions handling most of the administrative tasks [8][9]. - A comprehensive review mechanism is established to ensure that subsidy funds are used appropriately and effectively [10]. Group 5: Organizational Coordination - The Ministry of Finance will coordinate with relevant departments to ensure effective implementation of the policy, including monitoring and compliance checks [11][12].
新华财经晚报:三部门发布个人消费贷款财政贴息政策实施方案
Xin Hua Cai Jing· 2025-08-12 13:47
【重点关注】 ·《中美斯德哥尔摩经贸会谈联合声明》发布中美就24%关税继续暂停等达成共识 ·财政部等三部门发布个人消费贷款财政贴息政策实施方案 ·九部门:8类符合条件的服务业经营主体贷款可享贴息 【国内要闻】 ·中美双发发布《中美斯德哥尔摩经贸会谈联合声明》。美国将继续修改2025年4月2日第14257号行政令 中规定的对中国商品(包括香港特别行政区和澳门特别行政区商品)加征从价关税的实施,自2025年8 月12日起再次暂停实施24%的关税90天,同时保留按该行政令规定对这些商品加征的剩余10%的关税。 ·国务院关税税则委员会称,自2025年8月12日12时01分起,调整《国务院关税税则委员会关于对原产于 美国的进口商品加征关税的公告》(税委会公告2025年第4号)规定的加征关税措施,在90天内继续暂 停实施24%的对美加征关税税率,保留10%的对美加征关税税率。 ·财政部等三部门发布《个人消费贷款财政贴息政策实施方案》。方案提出,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 ...
消费领域迎来重磅政策!财政部等三部门联合发布,经营主体也迎利好
Group 1: Personal Consumption Loan Subsidy Policy - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau have issued a subsidy policy for personal consumption loans to stimulate consumer spending and economic growth [2][3] - The subsidy period is from September 1, 2025, to August 31, 2026, with a subsidy rate of 1% per year, capped at 50% of the loan contract interest rate [2][3] - Each borrower can receive a maximum subsidy of 3,000 yuan, corresponding to a total eligible consumption amount of 300,000 yuan [3] Group 2: Eligible Loan Institutions - The policy includes six major state-owned commercial banks and twelve national joint-stock commercial banks as eligible loan institutions [4] - Additionally, five other personal consumption loan issuing institutions are also included in the policy [4] Group 3: Service Industry Loan Subsidy Policy - A separate subsidy policy for service industry operators has been introduced, covering eight sectors including accommodation, elderly care, and tourism [5][6] - Loans must be issued between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service capabilities [7][8] - The subsidy for service industry loans is also set at 1% per year, with a maximum loan amount of 1 million yuan per borrower [8]
银行ETF天弘(515290)涨0.52%、连续两日“吸金”,机构:财政贴息利好银行
Group 1 - The A-share market saw a rebound on August 4, with the bank ETF Tianhong (515290) experiencing a fluctuation, rising by 0.52% and showing a premium trading rate of 0.02% [1] - As of August 1, the bank ETF Tianhong (515290) had a circulating share of 3.752 billion and a circulating scale of 5.715 billion yuan, ranking among the top two in its category [1] - The bank ETF Tianhong (515290) has seen a net inflow of over 49 million yuan in the two days leading up to August 1, indicating strong investor interest [1] Group 2 - The adjustment of the value-added tax policy is expected to impact the tax costs for listed banks on both asset and liability sides, with a more significant effect on the asset side [2] - The implementation of personal consumption loan interest subsidies and service industry loan subsidies is anticipated to benefit banks' fundamentals, potentially increasing consumer loans without pursuing lower-tier clients [2] - The policies aimed at supporting consumption are expected to help banks manage non-performing loans while increasing revenue, thereby improving their overall financial health [2]
广东制造业和高新技术企业贷款可享财政贴息
Sou Hu Cai Jing· 2025-08-04 00:46
Core Points - Guangdong Province has introduced a loan interest subsidy policy aimed at manufacturing and high-tech enterprises, effective from May 1, 2025, to December 31, 2027, with a maximum annual subsidy of 20 million yuan per enterprise [1][2] - The policy aims to enhance the accessibility of subsidy funds to enterprises, encouraging banks to approve loans quickly and efficiently, thereby boosting enterprise confidence and investment in innovation [1][2] Summary by Category Policy Details - The subsidy applies to loans issued to eligible manufacturing and high-tech enterprises, with a total loan scale capped at 200 billion yuan per year, amounting to a total of 600 billion yuan over three years [2] - Each loan contract can receive a subsidy for a maximum of one year, and the total subsidy cannot exceed the total interest of the loan [2] Eligible Entities - The policy specifically targets manufacturing enterprises registered in Guangdong under the national economic industry classification and high-tech enterprises recognized according to relevant policies [1][2] - A total of 21 national banks, 5 local city commercial banks, and various rural commercial banks in Guangdong are authorized to process these loans [2] Usage Restrictions - The loans must be used for specific purposes such as building factories, purchasing equipment, technological transformation, and R&D, and cannot be used for debt repayment, land purchases, or other non-productive investments [2]
两类企业贷款最高补贴2000万!广东出台利息“省补”政策
Sou Hu Cai Jing· 2025-08-02 17:05
Core Viewpoint - Guangdong Province has introduced a loan interest subsidy policy aimed at reducing financing costs for manufacturing and high-tech enterprises, with a maximum annual subsidy of 20 million yuan per enterprise from May 1, 2025, to December 31, 2027 [1][4]. Group 1: Policy Implementation - The policy is designed to facilitate direct access to subsidy funds for enterprises, ensuring banks can efficiently process loans and subsidies [1][6]. - The maximum annual subsidy per enterprise is set at 20 million yuan, with a total loan scale of 600 billion yuan over three years, capped at 200 billion yuan per year [4][6]. Group 2: Eligibility and Restrictions - Eligible enterprises include those registered in Guangdong under the "C Manufacturing" category and recognized high-tech enterprises according to relevant policies [4][7]. - The funds cannot be used for debt repayment, purchasing land, or non-productive investments, ensuring that the loans are directed towards productive uses such as facility construction and technological upgrades [7][8]. Group 3: Administrative Efficiency - The application process is streamlined, with banks handling the majority of the administrative burden, allowing for quarterly subsidy applications [6][7]. - The policy aims to enhance enterprise confidence and stimulate economic activity by making financial resources more accessible [7][8].
降低制造业和高新技术企业融资成本,广东:单个企业年度贴息金额最高2000万元
Sou Hu Cai Jing· 2025-08-02 10:56
Group 1 - The core objective of the "Implementation Rules" is to support innovation and development of market entities, leveraging fiscal funds to reduce financing costs for manufacturing and high-tech enterprises [1] - The fiscal interest subsidy will be available for eligible manufacturing and high-tech enterprises that obtain bank loans between May 1, 2025, and December 31, 2027 [1] - The maximum annual interest subsidy for a single enterprise is capped at 20 million yuan, with the total loan subsidy not exceeding the total interest paid on the loan during the subsidy year [1] Group 2 - The total scale of interest subsidies from the provincial finance is limited to 200 billion yuan per fiscal year, with a total of 600 billion yuan over three years, and applications will cease once the quota is exhausted [1] - Each loan contract can enjoy interest subsidies for a maximum of one year, and the same loan project cannot receive more than one subsidy within the subsidy year [1]