今天上午，国务院新闻办公室举行新闻发布会，财政部、商务部、中国人民银行、金融监管总局有关负责人介绍了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。财政部副部长廖岷表示，两项贴息政策在设计过程中，坚持了五方面原则，并且兼顾了消费的需求端和供给端。 财政部副部长 廖岷： 一是坚持服务消费群体和经营者。两项政策直接惠及消费者个人和消费服务的供给方，通过降低信贷成本、提高政策覆盖面等措施，为提升消费领域服务 水平，使居民获得高品质的商品与服务提供便利。 二是坚持简单易行。两项政策不设烦琐的门槛、不搞复杂操作，力求惠及广大人民群众生活和服务业经营主体经营所需，贴息测算和申请等工作主要由贷 款经办机构完成，最大程度便利借款人。 三是坚持贴近生活。政策支持范围广泛覆盖涉及居民衣食住行的主要消费场景和消费品类，贴息额度综合考虑了城乡居民家庭收入和支出状况，有助于支 持普通老百姓日常生活的部分开支。 四是坚持市场化、法治化运作。两项政策均明确要求经办机构要按照市场化、法治化的原则开展授信评审、贷后管理，严格执行各项信贷监督管理制度规 定，强化信贷资金用途管理和风险管控。 五是坚持部门的协作。两项政策实行全流程管理 ...

Core Viewpoint - The Ministry of Finance emphasizes that consumption is a crucial engine for economic growth and a key link in facilitating domestic circulation, introducing personal consumption loan interest subsidy policies to benefit the public [1] Summary by Relevant Categories Personal Consumption Loan Subsidy - The subsidy policy is the first time the central government has provided interest subsidies for personal consumption loans, directly benefiting residents [1] - The subsidy applies to the portion of personal consumption loans used for consumption, including daily expenses under 50,000 yuan and major expenditures like home vehicles, education, and healthcare [1] - The subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rates, and will be implemented for one year [1] Service Sector Support - The service consumption sector in China has significant growth potential, which requires high-quality supply to be fully realized [1] - A loan interest subsidy policy for service industry operators has been introduced, focusing on eight key service sectors: catering, accommodation, healthcare, elderly care, childcare, housekeeping, cultural entertainment, and tourism [1] - The subsidy rate is also 1 percentage point, applicable for one year, with a maximum loan amount of 1 million yuan per entity and a maximum subsidy of 10,000 yuan per entity [1] Future Policy Evaluation - After the expiration of these policies, the Ministry of Finance plans to conduct evaluations to assess their effectiveness and consider extending the policy duration, expanding support scope, and adjusting loan processing ranges as necessary [1]

Core Viewpoint - The Financial Regulatory Administration emphasizes the responsibility of lending institutions to ensure the authenticity, compliance, and accuracy of interest subsidy data and related materials [1] Group 1 - The Financial Regulatory Administration will urge lending institutions to establish and improve internal verification and handling mechanisms to promptly correct any identified issues [1] - There will be a focus on enhancing the protection of financial consumer rights [1] - The execution of personal consumption loan interest subsidy policies will be included in the ongoing supervision by various financial regulatory bureaus [1] Group 2 - The Financial Regulatory Administration will collaborate with fiscal departments to conduct audits on the application, allocation, and settlement of interest subsidy funds by lending institutions [1]

每经AI快讯，8月13日，财政部金融司司长于红8月13日在国新办新闻发布会上表示，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非消费领 域，或其他违规套利行为，这些均不属于政策支持范围，将无法取得贴息资金。 ...

8月13日，财政部金融司司长于红在国新办新闻发布会上表示，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非消费领域，或其他违规套利行 为，这些均不属于政策支持范围，将无法取得贴息资金。 ...

（文章来源：央视新闻） 今天（8月13日）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。 ...

（原标题：今日看点｜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13日上午10时，海南省新闻办公室将举行"海南自贸港政策解读"系列主题新闻发布会（第四十六场）——《海南自由贸易港促进民营经济发展 若干规定》专场，海南省发展和改革委员会党组成员、副主任杨善华，中共海南省委金融委员会办公室副主任卢巍，海南省人大常委会法制工作 委员会副主任林崇高，海南省营商环境建设厅党组成员、副厅长何霁锋，海南省工商业联合会党组成员、专职副主席林峰，海南省工业和信息化 厅总工程师黄家林介绍相关情况，并答记者问。 3、2.91亿元市值限售股今日解禁 8月13日，共有3家公司限售股解禁，合计解禁量为5115.21万股，按最新收盘价计算，合计解禁市值为2.91亿元。 从解禁量来看，1家公司解禁股数超千万股。美丽生态、英方软件、绿的谐波解禁量居前，解禁股数分别为5000.0万股、103.47万股、11.74万股。 从解禁市值来看，1家公司解禁股数超亿元。美丽生态、英方软件、绿的谐波解禁市值居前，解禁市值分别为2.38亿元、3722.71万元、1609.53万 元。 4、14家公司披露回购进展 ...

Group 1 - The Chinese government has introduced a personal consumption loan interest subsidy policy, allowing a maximum subsidy of 3000 yuan per loan institution [2] - The subsidy for service industry entities can reach up to 1 million yuan per loan [2] - The U.S. and China have agreed to suspend the implementation of 24% tariffs for 90 days while retaining 10% tariffs on certain goods [5] Group 2 - The Ministry of Finance and the Ministry of Emergency Management have allocated 170 million yuan for disaster relief due to severe rainfall and geological disasters in several provinces [6] - The State Administration for Market Regulation is drafting new regulations to enhance food safety supervision in online food transactions [7] - In the first half of the year, over 13 million new business entities were established in China, with private and foreign enterprises showing growth [9] Group 3 - The National Development and Reform Commission announced that domestic fuel prices will remain unchanged, marking the sixteenth adjustment cycle with a net decrease in prices compared to the end of 2024 [10] - Shanghai has opened the door for the transformation of commercial buildings into rental housing, allowing for a mix of functions including rental apartments and childcare [12] - Shenzhen's landmark shopping center, Huangting Plaza, is set for auction with an estimated value of 4.36 billion yuan, starting at 3.05 billion yuan [13] Group 4 - The U.S. national debt has surpassed 37 trillion dollars, raising concerns about the fiscal situation [18] - The Australian Federal Court ruled that Apple and Google engaged in anti-competitive behavior, allowing consumers and developers to seek compensation [22] - Iran has expressed willingness to negotiate directly with the U.S. regarding nuclear talks under suitable conditions [23] Group 5 - China Evergrande Group's listing status will be canceled, marking the end of its 16-year journey on the stock market [28] - McDonald's clarified its hiring practices, stating that it complies with labor laws and offers flexible employment options, including re-employment of retirees [29] - The A-share market has seen a rapid increase in the number of stocks doubling in value, with 269 stocks achieving this milestone, particularly in the machinery and pharmaceutical sectors [34]

Economic Policy - The U.S. and China have agreed to suspend the implementation of 24% tariffs on each other's goods for 90 days starting August 12, 2023, as part of the Stockholm Economic and Trade Talks [1] - The Chinese government has introduced a fiscal subsidy policy for personal consumption loans and service industry loans to stimulate consumer spending by reducing credit costs [1][6] Macro Economy - In the first half of 2023, 13.278 million new business entities were established in China, including 4.62 million new enterprises and 8.629 million new individual businesses, indicating stable growth [3] - The National Development and Reform Commission reported that the recent round of fuel price adjustments will not change gasoline and diesel prices due to insufficient price change amounts [3] - The Ministry of Commerce has initiated anti-dumping investigations on imported canola seeds and pea starch from Canada, citing evidence of dumping [3] - The Shanghai GDP for the first half of 2023 reached 2.622215 trillion yuan, with Zhoushan showing the highest GDP growth rate of 6.9% [3] Company Performance - Cambricon Technologies saw its stock price hit a historical high amid rumors of increased procurement, although the company advised against relying on external speculation [9] - Kweichow Moutai reported a revenue of 89.389 billion yuan for the first half of 2023, a year-on-year increase of 9.1%, with a net profit of 45.403 billion yuan, up 8.89% [9] - China Unicom's revenue exceeded 200 billion yuan in the first half of 2023, with a 1.5% year-on-year growth and a pre-tax profit of 17.8 billion yuan, up 5.1% [9] - Golden Dragon Fish achieved a revenue of 115.682 billion yuan in the first half of 2023, a 5.67% increase, with a net profit of 1.756 billion yuan, up 60.07% [9] Market Trends - The A-share financing balance reached 2.0122 trillion yuan as of August 11, 2023, marking a new high for the year and the first time it has surpassed 2 trillion yuan since July 2015 [7] - Hong Kong's IPO market saw significant growth in the first half of 2023, with 53 IPOs raising approximately 127 billion HKD, a year-on-year increase of over 600% [7] - Over 250 acquisition transactions involving listed companies occurred from 2024 to July 2025, indicating heightened market activity [8]

明确支持范围、贴息标准、钱从哪出等细节，严管资金用途防挪用。 7月30日，中央政治局会议强调要有效释放内需潜力，深入实施提振消费专项行动后，7月31日，国务院 常务会议随即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。其中，个人消费贷款贴 息政策尤受关注。 8月12日公布的《方案》明确了这项创新政策的细节。《方案》提出，2025年9月1日至2026年8月31日期 间，居民使用指定机构发放的个人消费贷款（不含信用卡），实际用于消费且可追溯交易信息的部分可 享贴息。支持范围涵盖单笔5万元以下消费，以及5万元及以上的家用汽车、养老生育、教育培训等七大 重点领域消费，其中大额消费按5万元上限贴息，政策到期后可视效果调整。 贴息标准与资金来源同步明确：年贴息比例为1个百分点（按实际消费贷款本金计算），最高不超过合 同利率的50%，由中央财政承担90%、省级财政承担10%。为防范过度负债，每名借款人在一家机构累 计贴息上限3000元（对应消费30万元），其中5万元以下消费累计贴息上限1000元（对应消费10万 元）。 经办机构阵容也浮出水面，包括6家国有大行、12家全国性股份制银行及5家消费金融机构，合计23 ...