根据《实施方案》，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，《实施方案》明确，年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费 贷款本金计算），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。 根据《实施方案》，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）。 8月12日，财政部、中国人民银行、金融监管总局发布《个人消费贷款财政贴息政策实施方案》（以下 简称《实施方案》）。 《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 ...

Group 1 - Nasdaq and S&P 500 indices reached all-time highs, with Intel rising over 5% and Chinese concept stocks increasing by 1.49% [1] - OPEC raised its global economic growth forecast for this year to 3% and expects tighter oil markets next year due to accelerating demand [1] - The U.S. July CPI year-on-year increased by 2.7%, remaining stable compared to the previous month, while the core CPI rose by 3.1%, slightly above expectations [1] Group 2 - Guizhou Moutai reported a net profit of 45.403 billion yuan for the first half of the year, representing a year-on-year growth of 8.89% [2][3] - The Chinese government is reportedly advising some companies to refrain from using Nvidia's H20 chips [1] - The Ministry of Finance and the State Administration of Taxation announced that express delivery companies will pay value-added tax based on "delivery services" income [2]

中新网8月12日电据财政部微信公众号消息，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，充分发挥财政政策引导带动作用，强化财政金融协同联动，降低居民消费信贷 成本，更好激发消费潜力、提升市场活力，财政部会同中国人民银行、金融监管总局联合印发《个人消 费贷款财政贴息政策实施方案》(财金〔2025〕80号，以下简称《方案》)。近日，财政部有关负责人就 《方案》有关情况回答了记者提问。 一、促消费、扩内需是今年经济工作的"关键词"，此次财政部门联合金融部门出台《方案》，背景是什 么？ 答：消费是国民经济增长的关键环节和重要引擎，大力提振消费既是扩大内需、夯实经济增长"压舱 石"的重要举措，也是提升民生福祉、满足人民日益增长的美好生活需要的重要内容。坚持以人民为中 心的发展思想，要求将经济政策的着力点更多转向惠民生、促消费，以消费提振畅通经济循环，以消费 升级引领产业升级，在保障和改善民生中打造新的经济增长点，形成经济发展和民生改善的良性循环。 三是坚持市场化、法治化运作。《方案》明确要求贷款经办机构在支持提振和扩大消费的同时，要按照 市场化、法治化原则开展授信评审、贷后管理，落实消费贷款 ...

《方案》称，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。 贴息标准方面，《方案》明确提出，年贴息比例为1个百分点（按符合条件的实际用于消费的个人消费 贷款本金计算），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）。 《方案》强调，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 ...

贴息政策将如何精准支持消费？财政部负责人表示，限定贴息对象为个人消费贷款中实际用于消费的部 分。对于个人消费贷款未实际用于消费的部分，不予贴息。还要明确贷款经办机构对借款人消费信息识 别工作职责，建立贴息资金拨付全流程审核机制。 据了解，为了最大程度减轻借款人操作负担，个人消费贷款财政贴息资金的测算、申请、拨付、清算等 工作主要集中在贷款经办机构和政府部门，力求流程便利、管理精准、执行高效，在确保贴息资金合规 使用的前提下，尽可能简化借款人操作。 消费者可以去哪些机构办理贷款，《方案》规定，包括全国性或跨区域的6家国有型商业银行、12家全 国性股份制商业银行，以及5家业务规模相对较大的消费金融公司等其他个人消费贷款发放机构。借款 人仍按照一般贷款流程在经办金融机构办理贷款，同时为有效识别符合贴息条件的消费交易信息，借款 人需授权经办金融机构获取贷款发放账户或指定账户交易信息，用于开展贴息资金审核。 中经记者 朱会珊 杜丽娟 北京报道 为了降低居民消费信贷成本，以"真金白银"支持居民消费，8月12日，财政部、中国人民银行、金融监 管总局印发了《个人消费贷款财政贴息政策实施方案》（以下简称《方案》）。市场人士分析 ...

Core Viewpoint - The article discusses the implementation of the personal consumption loan interest subsidy policy and the service industry loan interest subsidy policy, which are part of the broader initiative to boost consumption in China, as outlined in the "Consumption Promotion Special Action Plan" and the State Council meeting on July 31 [1][8]. Summary by Sections Personal Consumption Loan Interest Subsidy Policy - The policy applies to personal consumption loans issued from September 1, 2025, to August 31, 2026, specifically for loans used for consumption that can be identified by lending institutions [2][11]. - The subsidy covers loans under 50,000 yuan and loans over 50,000 yuan for specific categories such as home appliances, education, and travel, with a maximum cumulative loan limit of 300,000 yuan per institution [2][12]. - The annual subsidy rate is set at 1%, with a maximum of 50% of the loan contract interest rate, funded by central and local governments at a ratio of 90% to 10% [2][13]. - The lending institutions include six state-owned banks, twelve joint-stock banks, and five consumer finance companies [2][14]. Impact and Scale of Personal Consumption Loans - Due to various restrictions, estimating the scale of benefiting consumption loans is challenging. However, as of June 2025, the balance of consumption loans (excluding housing loans) was 21 trillion yuan, with an increase of 1.2 trillion yuan from June 2024 to June 2025 [3][15]. - The new consumption loans accounted for 2.9% of the total retail sales of consumer goods, which was 41.3 trillion yuan during the same period, indicating a limited short-term impact on overall consumption [3][15]. Service Industry Loan Interest Subsidy Policy - This policy is applicable to loans issued from March 16, 2025, to December 31, 2025, for service sectors such as hospitality, healthcare, and cultural entertainment, with funds required to be used for improving consumption infrastructure and service capabilities [4][16]. - The annual subsidy rate is also set at 1%, with a maximum loan amount of 1 million yuan per entity, similarly funded by central and local governments [4][18]. - A total of 21 banks, including three policy banks and six state-owned banks, are authorized to process these loans [4][19]. Observations on Service Industry Loans - As of 2023, the loan balance for the hospitality, residential services, and cultural sectors was approximately 1.8 trillion yuan, with annual increments ranging from 500 to 1,200 billion yuan from 2017 to 2023 [5][20]. - The proportion of loans from policy banks and listed joint-stock banks to these sectors was about 74%, translating to an estimated loan balance of 1.3 trillion yuan for these industries [5][20]. Employment and Economic Stability - The service industry is a significant employment sector, with 62.79 million workers in the relevant fields, representing 12% of the total workforce [6][21]. - The policies aim to stabilize employment and expand consumption, aligning with the political bureau's emphasis on fostering service consumption and infrastructure development [6][22]. Historical Context and Policy Coordination - The interest subsidy is a typical measure of fiscal and monetary policy coordination, similar to previous initiatives aimed at supporting specific sectors during economic downturns [7][24]. - The government’s leverage can stimulate both fiscal and monetary policies, enhancing the effectiveness of support for the real economy [7][24].

中国农业银行：自9月1日起，对符合要求的个人消费贷款实施贴息 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》。 实施方案明确，同时符合以下条件的贷款可享受贴息政策—— 中国农业银行发布关于个人消费贷款贴息工作的公告：自2025年9月1日起，对符合《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）要求的个人消费贷款实施贴息。 对此，有银行发布公告，表示对符合要求的个人消费贷款实施贴息。 出品：21财经客户端 南财快讯工作室 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。 ...

Core Viewpoint - The Ministry of Finance has introduced a personal consumption loan interest subsidy policy aimed at stimulating consumer demand and reducing the cost of personal consumption loans, directly benefiting consumers [3][4][5]. Group 1: Policy Background and Objectives - The policy is part of a broader strategy to boost consumption, expand domestic demand, and enhance the well-being of citizens, aligning with the central government's directives [4][5]. - The initiative is designed to create a positive cycle between economic development and improved living standards by focusing on consumer needs and promoting consumption as a key driver of economic growth [4][5]. Group 2: Key Features of the Policy - This is the first central-level implementation of a personal consumption loan interest subsidy policy, which directly benefits consumers rather than focusing on investment or supply-side support [6]. - The policy covers a wide range of consumer needs, including daily living expenses and significant expenditures in areas such as automobiles, education, and healthcare [7][8]. - The subsidy rate is set at an annualized 1%, approximately one-third of the current commercial bank personal consumption loan rates, making it a significant incentive for consumers [8][9]. Group 3: Implementation and Process - The process for applying for the subsidy is streamlined to minimize the burden on borrowers, with most responsibilities resting on the lending institutions and government departments [10][11]. - Borrowers must authorize lending institutions to access their transaction information to verify eligible consumption expenditures, although this authorization is voluntary [10][12]. - The policy will be in effect for one year, from September 1, 2025, to August 31, 2026, with the possibility of extension based on its effectiveness [9]. Group 4: Oversight and Coordination - The policy emphasizes market-oriented and legal operations, requiring lending institutions to adhere to strict credit management and risk control measures [7][12]. - A comprehensive oversight mechanism is established to ensure that the subsidy funds are used appropriately to support consumer spending, with clear responsibilities assigned to various financial regulatory bodies [12][13].

财政部有关负责人就《个人消费贷款财政贴息政策实施方案》答记者问 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，充分发挥财政政策引导 带动作用，强化财政金融协同联动，降低居民消费信贷成本，更好激发消费潜力、提升市场活力，财政部 会同中国人民银行、金融监管总局联合印发《个人消费贷款财政贴息政策实施方案》（财金〔2025〕80 号，以下简称《方案》）。近日，财政部有关负责人就《方案》有关情况回答了记者提问。 一、促消费、扩内需是今年经济工作的"关键词"，此次财政部门联合金融部门出台《方案》，背景是什 么？ 答：消费是国民经济增长的关键环节和重要引擎，大力提振消费既是扩大内需、夯实经济增长"压舱石"的 重要举措，也是提升民生福祉、满足人民日益增长的美好生活需要的重要内容。坚持以人民为中心的发展 思想，要求将经济政策的着力点更多转向惠民生、促消费，以消费提振畅通经济循环，以消费升级引领产 业升级，在保障和改善民生中打造新的经济增长点，形成经济发展和民生改善的良性循环。 党中央、国务院高度重视提振消费工作。2024年中央经济工作会议、2025年《政府工作报告》均明确提 出大力提振消费、提高投资效 ...

借款人申请个人消费贷款财政贴息需要哪些操作？ 财政部有关负责人就《个人消费贷款财政贴息政策实施方案》答记者问表示，为最大程度减轻借款人操作负担，个人消费贷款财政贴息资金的测 算、申请、拨付、清算等工作主要集中在贷款经办机构和政府部门，力求流程便利、管理精准、执行高效，在确保贴息资金合规使用的前提下，尽 可能简化借款人操作。 从借款人角度看，总体仍按照一般贷款流程在经办金融机构办理贷款，同时为有效识别符合贴息条件的消费交易信息， 借款人需授权经办金融机构 获取贷款发放账户或指定账户交易信息，用于开展贴息资金审核。 相关交易信息授权遵循自主自愿原则，如借款人不同意授权经办金融机构查询相 关交易信息，相应不享受本贴息政策，不影响借款人正常申请、使用个人消费贷款及自行全额偿还贷款本息。 ...