Group 1 - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau issued a personal consumption loan interest subsidy policy, effective from September 1, 2025, to August 31, 2026, covering loans used for consumption in various sectors [2] - The subsidy policy includes loans under 50,000 yuan and loans for key areas such as home appliances, automotive, education, and healthcare, with a cap of 50,000 yuan for subsidies on larger loans [2] - The policy may be extended or expanded based on its effectiveness after the expiration date [2] Group 2 - Nine departments, including the Ministry of Finance and the People's Bank of China, released a loan interest subsidy policy for service industry operators, applicable to loans for sectors like catering, healthcare, and tourism [3] - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service capabilities [3] - The policy may also be extended or expanded based on its effectiveness after the expiration date [3] Group 3 - A meeting was held by the Financial Regulatory Bureau, the People's Bank of China, and the China Securities Regulatory Commission to enhance consumer and investor protection in the financial sector [4] - The meeting emphasized a problem-oriented approach to address consumer complaints and improve the financial consumer environment [4] - The focus will be on financial education and risk prevention to enhance public financial literacy [4] Group 4 - A closed-door meeting of key dry-process lithium battery separator manufacturers was held to address "involution" competition and promote healthy industry development [5] - Eight companies reached agreements on price discipline, capacity management, and strengthening industry cooperation [5] - The companies aim to pause expansion and encourage social oversight [5] Group 5 - The Ministry of Finance and the State Taxation Administration clarified VAT policies for express delivery services, stating that income from these services will be taxed as "collection and delivery services" [6] - Taxpayers with network platform road freight transport qualifications can deduct certain expenses from their VAT [6] Group 6 - A total of 534 drugs passed the preliminary formal review for the 2025 National Medical Insurance Drug List, with the number of applications exceeding that of 2024 [7] - The new adjustment includes a commercial insurance innovative drug list, with 121 drugs passing the formal review [7] Group 7 - Companies such as Guizhou Moutai and Golden Dragon Fish reported significant profit increases, with Guizhou Moutai's net profit reaching 45.403 billion yuan, up 8.89% year-on-year, and Golden Dragon Fish's net profit increasing by 60.07% to 1.756 billion yuan [9] - Several companies are undergoing strategic changes, including share buybacks and mergers, indicating active market movements [9]

《服务业经营主体贷款贴息政策实施方案》则明确，对于经办银行向服务业经营主体发放的贷款，财政 部门按照贷款本金对经营主体进行贴息，贴息期限不超过1年，年贴息比例为1个百分点，中央财政、省 级财政分别承担贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。 此次《服务业经营主体贷款贴息政策实施方案》支持范围明确，同时符合以下条件的贷款可享受贴息政 策：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;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;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。 同时，《服务业经营主体贷款贴息政策实施方案》提出，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。 智通财经APP获悉，金融促消费再迎政策利好。8月12日，财政部、人民银行、金融监管总局三部门日 前制定了《个人消费贷款财政贴息政策实施方案》。同日，财政部、民政部等九部门制定了《服务业经 营主体贷款贴息政策实施方案》。 具体来看，《个人消费贷款财政贴息政策实施 ...

Core Viewpoint - The implementation of loan interest subsidy policies for service industry operators and personal consumption loans aims to alleviate financing pressure and stimulate consumer spending, with the central government covering 90% of the subsidy costs [1][2]. Group 1: Loan Subsidy Policies - The annual interest subsidy rate for both service industry loans and personal consumption loans is set at 1 percentage point, with a maximum subsidy amount of 10,000 yuan per eligible entity [1]. - The subsidy for service industry loans will be available from March 16, 2025, to December 31, 2025, while personal consumption loan subsidies will be implemented by various banks starting September 1, 2025 [1][2]. - The policies are designed to support specific sectors within the service industry, including catering, health, elderly care, childcare, home services, cultural entertainment, tourism, and sports [2]. Group 2: Economic Impact - The subsidy policies are expected to significantly reduce the interest burden on service industry operators, with the average interest rate for new corporate loans around 3.3% [2]. - The policies are aligned with the urgent need for economic recovery and aim to enhance service capacity and infrastructure in the service sector [2]. - The estimated maximum subsidy scale for the specified service sectors could reach 18.2 billion yuan [2]. Group 3: Personal Consumption Loan Details - The personal consumption loan subsidy will cover various consumer needs, including household appliances, education, healthcare, and automotive purchases, with a cumulative subsidy cap of 3,000 yuan per borrower [3]. - The subsidy for individual loans under 50,000 yuan will have a maximum cap of 1,000 yuan, while loans above this amount will be subsidized based on a 50,000 yuan threshold [3]. - The policy aims to lower the actual financing costs for residents, particularly targeting high-frequency consumption areas [3].

本报北京8月12日电（记者汪文正）近日，财政部会同有关部门印发《个人消费贷款财政贴息政策实施 方案》《服务业经营主体贷款贴息政策实施方案》，推动实施个人消费贷款贴息政策与服务业经营主体 贷款贴息政策。 针对服务业经营主体贷款，财政部等九部门明确，对于经办银行向餐饮住宿、健康、养老等8类消费领 域服务业经营主体发放的贷款，财政部门按照贷款本金对经营主体进行贴息，贴息期限不超过1年，年 贴息比例为1个百分点。相关贷款包括用于改善消费基础设施的固定资产贷款以及用于提升服务供给能 力的流动资金贷款。 此前，7月31日举行的国务院常务会议对两项贷款贴息政策进行了部署。中国社科院财经战略研究院财 政研究室主任何代欣认为，两项贷款贴息政策分别从供需两端发力提振消费。其中，对服务业经营主体 贷款进行贴息，有助于为相关经营主体提供更多支持，扩大优质服务供给，进一步促进服务消费。 针对个人消费贷款，财政部等三部门明确，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 ...

在贴息标准方面，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）。 《服务业经营主体贷款贴息政策实施方案》规定，同时符合以下条件的贷款可享受贴息政策：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； 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；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。 财政部近日联合有关部门发布《个人消费贷款财政贴息政策实施方案》《服务业经营主体贷款贴息政策 实施方案》，分别明确个人消费贷款财政贴息政策、服务业经营主体贷款贴息政策具体事项。 《个人消费贷款财政贴息政策实施方案》规定，2025年 ...

据经济日报消息，财政部联合有关部门发布了《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》。个人消费贷款贴息政策适用于2025年9月1日至2026年8月31日期间的特 定消费贷款，贴息范围包括家用汽车、 教育培训等领域，贴息额度上限为3000元。服务业贷款贴息政 策则支持餐饮、旅游等8类服务业在2025年3月16日至年底间的贷款，最高贴息贷款规模可达100万元。 两项政策均由中央和省级财政共同承担贴息。 ...

● 本报记者 彭扬 中国证券报记者8月12日获悉，财政部、人民银行、金融监管总局三部门日前制定了《个人消费贷款财 政贴息政策实施方案》，财政部、民政部等九部门制定了《服务业经营主体贷款贴息政策实施方案》， 两项贷款贴息政策实施方案于12日发布。 财政部有关负责人表示，通过实施个人消费贷款财政贴息政策，进一步强化财政金融协同联动，以"真 金白银"支持居民消费，降低居民消费信贷成本，在激发居民消费潜力的同时，支持扩大内需，同此前 出台的消费品以旧换新等政策，以及财政部同期出台的服务业经营主体贷款贴息政策形成"组合拳"，从 需求端和供给端协同发力，加力提振消费，巩固经济持续向好发展态势。 降低个人消费贷款成本 《个人消费贷款财政贴息政策实施方案》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 ...

Core Viewpoint - The introduction of personal consumption loan interest subsidies and service industry loan interest subsidies aims to stimulate domestic demand and enhance consumer spending, as part of the government's broader economic strategy [1][2]. Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan subsidy policy will be effective from September 1, 2025, to August 31, 2026, allowing residents to receive interest subsidies on personal consumption loans used for specific consumption purposes [1][2]. - The subsidy covers loans for both small purchases (below 50,000 yuan) and larger expenditures such as home appliances, automobiles, education, and healthcare, with a maximum subsidy limit of 3,000 yuan per borrower [2][3]. - The annual subsidy rate is set at 1%, with the central and provincial governments covering 90% and 10% of the subsidy costs, respectively [2][3]. Group 2: Service Industry Loan Subsidy Policy - The service industry loan subsidy policy targets loans issued to service sector businesses in areas such as hospitality, healthcare, and entertainment, with a maximum loan amount of 1 million yuan eligible for subsidies [1][3]. - The policy stipulates that loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumer infrastructure and service capabilities [3][4]. - A total of 21 national banks are designated as the lending institutions for these service industry loans, and strict compliance measures are in place to prevent misuse of funds [4].

继国务院常务会议部署实施个人消费贷款贴息政策与服务业经营主体贷款贴息政策之后，两项贷款贴息 政策的细则正式明确。 据财政部消息，财政部等九部门印发《服务业经营主体贷款贴息政策实施方案》（以下简称《实施方案 一》），对服务业经营主体贷款贴息政策的支持范围、贴息标准、贷款经办银行、贷款流程、贴息流程 和监督管理等进行了明确。 根据《实施方案一》，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 业经营主体满足条件的贷款可享受贴息政策，贴息期限不超过1年，年贴息比例为1个百分点，单户享受 贴息的贷款规模最高可达100万元。经办银行方面，《实施方案一》也明确了名单，包括3家政策性银 行、6家国有行和12家股份行。 据财政部同日消息，财政部等三部门印发《个人消费贷款财政贴息政策实施方案》（以下简称《实施方 案二》），对个人消费贷款财政贴息政策的支持范围、贴息标准、贷款经办银行、组织实施和监督管理 等进行了明确。 根据《实施方案二》，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）中实际用于消费且可识别相关消费交易信息的，可按规定享受贴息政 ...

Core Points - The article discusses the launch of two significant subsidy policies aimed at boosting consumption in China, specifically targeting service industry operators and individual consumers [1][3][9] - The policies are designed to lower the cost of loans, thereby stimulating demand and enhancing consumer spending [4][5][9] Policy Overview - The subsidy policies include a loan interest subsidy for service industry operators and a personal consumption loan subsidy, marking the first time such measures have been implemented at the central government level [1][5] - The service industry subsidy focuses on eight sectors, including dining, elderly care, and childcare, while the personal consumption loan subsidy is aimed at individual consumers [4][5] Financial Details - Both policies feature a subsidy rate of 1% per year, with the central government covering 90% of the subsidy costs and provincial governments covering the remaining 10% [6][7] - For service industry loans, the maximum subsidy per loan can reach 1 million yuan, while for personal loans, the cumulative subsidy cap is set at 3,000 yuan for eligible consumers [7][8] Implementation and Compliance - The policies are set to take effect from September 1, 2025, and will require strict compliance regarding the use of loan funds, prohibiting their use for real estate or investment activities [9][10] - Financial institutions are tasked with ensuring that the loans are used for legitimate consumption and service improvements, with oversight mechanisms in place to prevent misuse [10][11] Institutional Framework - The implementation of these policies involves various financial institutions, including state-owned banks and private banks, ensuring a broad reach for the subsidy programs [8][9] - The article emphasizes the importance of collaboration between central and local governments to enhance the effectiveness of these subsidy measures [8]