"特别是针对符合条件的小微企业，我们强调要发挥好金融监管总局去年10月份牵头建立的支持小微企 业融资协调工作机制作用，指导银行精准对接，实现信贷资金直达基层。"郭武平说。 其次，经办银行要按照市场化、法治化原则，做好对符合贴息条件的经营主体贷款审批工作，坚持从严 审核，加快放款，优化操作流程，提高工作效率，提供精准高效便捷的金融服务。 金融监管总局新闻发言人、政策研究司司长郭武平8月13日在国新办新闻发布会上表示，两项贷款贴息 政策分别从供需两端发力，协同配合、精准施策，预计将促进消费领域良性循环，提升消费市场活力。 郭武平表示，服务业经营主体的贷款贴息政策对贷款经办银行有以下要求：首先，经办银行要聚焦餐饮 住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类与人民群众日常生活密切相关的消费行 业，加大信贷投放力度。 同时，经办银行要全力配合财政部门和行业主管部门做好贷款贴息工作。经办银行要按月汇总符合贴息 条件的服务业经营主体贷款发放情况，及时报送省级行业主管部门进行审核。在贷款到期后，按要求向 省级财政部门提出贴息资金需求申请，并对申请资料的真实性、合规性、准确性负责。 郭武平还表示，金融监管总局将督促 ...

这两项政策到期后会开展效果评估，研究视情延长政策的期限，或扩大支持范围、调整贷款经办机构的 范围。 Q 《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》于8月12日发 布。8月13日，国新办就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举行新闻发布 会，财政部等多部门在会上逐一回应市场关注的热点问题。 这两项贷款贴息政策将如何为个人消费和服务业经营主体带来利好？具体的贴息标准怎样？申请流程又 该如何操作？ Q 政策的主要内容是什么？ A 财政部副部长廖岷介绍，个人消费贷款贴息政策的贴息对象为，居民使用的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1/3，政策实施期为1年。 服务业经营主体贷款贴息政策的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 ...

Core Viewpoint - The Chinese government is implementing personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to reduce credit costs for residents and businesses, stimulate consumption, and enhance economic circulation [2][5]. Group 1: Policy Implementation - The personal consumption loan interest subsidy and service industry loan interest subsidy policies were officially announced on August 12, with an annual subsidy rate of 1% [2]. - The central government will cover 90% of the subsidy funds, aimed at alleviating financing pressure on service industry entities and stimulating consumer potential [2][5]. Group 2: Loan Usage Guidelines - The personal consumption loan interest subsidy is intended to support reasonable borrowing needs and genuine consumption behaviors; misuse of loans for non-consumption purposes will not be eligible for subsidies [3]. - The service industry loan interest subsidy requires that loan funds be used for legitimate business activities, specifically to improve consumption infrastructure and service supply capabilities, and not for investment or arbitrage [4]. Group 3: Economic Impact - The 1% subsidy rate is expected to leverage public funds, potentially generating 100 yuan in loan funds for every 1 yuan in subsidy, thereby enhancing market vitality and consumer spending [6]. - As of the end of June, the nationwide household consumption loan balance, excluding personal housing loans, was 21.2 trillion yuan, with 2.8 trillion yuan in loans for key service consumption sectors [7]. Group 4: Policy Synergy - The new subsidy policies are designed to work in conjunction with previous financial support measures from the People's Bank of China, creating a synergistic effect that enhances overall policy effectiveness [8]. - The combination of direct subsidies and low-interest loans from the central bank aims to lower financing costs for consumers and businesses, thereby supporting sustainable economic growth [9]. Group 5: Regulatory Oversight - The Financial Regulatory Bureau will monitor the flow of subsidy loans to prevent misuse and ensure compliance with funding usage [10].

Core Viewpoint - The article discusses the introduction of personal consumption loan interest subsidy policies and service industry operating entity loan interest subsidy policies by the Chinese government, aimed at reducing credit costs for residents and businesses, thereby boosting consumption and facilitating economic circulation [2][5]. Group 1: Policy Introduction - The personal consumption loan interest subsidy and service industry operating entity loan interest subsidy policies were officially announced on August 12, with an annual subsidy rate of 1 percentage point, where the central government will cover 90% of the subsidy funds [2]. - These policies are seen as a significant measure of fiscal and financial cooperation, intended to alleviate financing pressure on service industry entities and stimulate consumer potential [2][5]. Group 2: Policy Objectives and Restrictions - The personal consumption loan interest subsidy policy supports reasonable borrowing needs and genuine consumption behaviors, excluding any misuse of loans for non-consumption purposes or arbitrage activities [3]. - The service industry operating entity loan interest subsidy requires that loan funds be used for compliant normal business activities, specifically aimed at improving consumption infrastructure and enhancing service supply capabilities, prohibiting use for investment or arbitrage [4]. Group 3: Economic Impact - The 1% interest subsidy rate is expected to leverage public funds effectively, potentially leading to a scenario where 1 yuan of subsidy could stimulate 100 yuan of loan funds directed towards consumer spending or service industry supply [6][7]. - The policies are designed to create a synergistic effect with previous financial support measures, aiming for a combined impact greater than the sum of individual policies, thus reducing financing costs for consumers and businesses [9]. Group 4: Monitoring and Compliance - The Financial Regulatory Bureau will dynamically track the flow of subsidized loans to prevent misuse and ensure compliance with the intended use of funds, enhancing oversight and management of loan disbursements [10].

【环球网财经综合报道】针对三部门日前印发的《个人消费贷款财政贴息政策实施方案》，多家银行响应，表示自9月1日起，对符合要求的个人消费贷款实 施贴息。 8月12日，财政部、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》，明确对符合条件的个人消费贷款给予财政贴息支持。 根据方案，共有23家金融机构成为贷款经办机构，涵盖6家国有大型商业银行、12家全国性股份制商业银行及5家其他个人消费贷款发放机构。 方案发布后，多家银行迅速跟进。8月13日，建设银行、工商银行、中国银行等发布公告，表示有序开展个人消费贷款贴息相关工作。自9月1日起，对符合 通知要求的客户进行贴息。 8月12日，农业银行、浙商银行公告表示，将于2025年9月1日起按市场化、法治化原则实施贴息；浦发银行表示将依法依规推进政策落地。 此前，工商银行表示，正在依法依规、积极有序地推进个人消费贷款与服务业经营主体贷款贴息政策的组织实施工作。交通银行表示，以数字化手段和创新 金融产品支持提振消费，更好服务人民美好生活，精准滴灌商圈金融需求，切实发挥交行零售信贷在促消费、扩内需、惠民生方面的积极作用。 与此同时，九部门联合发布《服务业经营 ...

Core Viewpoint - The introduction of significant loan interest subsidy policies by multiple government departments aims to stimulate consumption in the home furnishing industry, providing strong development momentum from both the demand and supply sides [1]. Group 1: Loan Subsidy Policies - The subsidy covers personal consumption loans below and above 50,000 yuan, including key areas such as home furnishing, with a maximum annual subsidy rate of 1% [5]. - For a loan of 100,000 yuan for home renovation at a typical interest rate of 4%, consumers can receive a subsidy of 1,000 yuan, effectively reducing the financing cost to around 3.5% [5]. - Each borrower can receive a total subsidy cap of 3,000 yuan across all loans from one lending institution, with a specific cap of 1,000 yuan for loans below 50,000 yuan [6]. Group 2: Impact on Home Furnishing Industry - The subsidy policy is expected to stimulate high-end consumption in home renovation and furniture replacement, crucial for activating demand in the home furnishing sector [6]. - The policies indirectly support home furnishing-related enterprises through the improvement of consumer infrastructure and service supply capabilities, even if not directly included in the core support areas [6][7]. - The combined effect of these policies is anticipated to lead to a recovery cycle in the home furnishing industry, benefiting various segments such as building materials, furniture, and renovation services [8]. Group 3: Short-term and Long-term Effects - In the short term, the consumer-side subsidy is likely to stimulate immediate demand, potentially leading to an earlier peak in home furnishing sales for the second half of the year [7]. - In the long term, financing support for business entities will encourage increased R&D investment, accelerating the iteration of green home furnishing and smart home appliances, thus promoting high-quality development in the industry [7].

与此同时，经办银行要全力配合财政部门和行业主管部门做好贷款贴息工作。经办银行要按月汇总符合 贴息条件的服务业经营主体贷款发放情况，及时报送省级行业主管部门进行审核。在政策到期后，按要 求向省级财政部门提出贴息资金需求申请，并对申请材料的真实性、合规性、准确性负责。贷款经办银 行在收到拨付贴息资金后，要及时做好经营主体贴息返还和利息扣减工作。 郭武平强调，金融监管总局将引导经办银行严格按照行业管理部门审核检查结果申领贴息资金，并动态 跟踪贷款流向，加强资金用途管控，确保资金合规和有效使用。同时，将指导各金融监管局加强日常监 管，配合地方财政部门强化业务指导，督促经办银行加强贷款管理，防范贴息资金套取挪用风险。 北京商报讯（记者 宋亦桐）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》政策有关情况，金融监管总局新闻发言 人、政策研究司司长郭武平指出，这两项贷款贴息政策分别从供需两端发力，协同配合、精准施策，预 期将促进消费领域良性循环，提升消费市场活力。就服务业经营主体贷款贴息而言，对经办银行有四方 面要求。 郭武平表示，首先，经办银行 ...

8月13日，融监管总局新闻发言人、政策研究司司长郭武平8月13日，在国新办新闻发布会上表示，两项 贷款贴息政策分别从供需两端发力，协同配合、精准施策，预期将促进消费领域良性循环，提升消费市 场活力。就服务业经营主体的贷款贴息政策而言，经办银行首先要聚焦餐饮住宿、健康、养老、托育、 家政、文化、娱乐、旅游、体育等8类与人民群众日常生活密切相关的消费行业，加大信贷投放力度。 特别是针对符合条件的小微企业，要发挥好支持小微企业融资协调工作机制作用，指导银行精准对接， 实现信贷资金直达基层、快速便捷、利率适宜。 ...

2025年8月12日，中国邮政储蓄银行发布公告称，为深入贯彻党中央、国务院决策部署，降低居民消费 信贷成本，更好激发消费潜力、提升市场活力，中国邮政储蓄银行正积极组织开展个人消费贷款与服务 业经营主体贷款贴息政策落地实施工作，扎实推动政策传导落地。中国邮政储蓄银行将认真贯彻落实 《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）、《关于印发<服务 业经营主体贷款贴息政策实施方案>的通知》（财金〔2025〕81号）精神及相关要求，全力确保国家政 策红利及时、便捷、高效地惠及广大消费者，为提振消费信心、释放内需潜能、服务经济高质量发展贡 献邮储力量。相关事宜将及时在中国邮政储蓄银行官方网站、微信公众号等渠道发布，敬请留意。 ...

Group 1 - The Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau jointly issued a notice regarding the implementation of the personal consumption loan interest subsidy policy from September 1, 2025, to August 31, 2026 [1] - The subsidy policy applies to personal consumption loans (excluding credit card business) that are actually used for consumption, with specific focus on loans identifiable through transaction information [1] - The subsidy covers consumption amounts below 50,000 yuan and for key areas such as household vehicles, education, cultural tourism, and healthcare for amounts above 50,000 yuan, with a cap on the subsidy based on the 50,000 yuan threshold [1] Group 2 - Industrial Bank announced its commitment to implement the personal consumption loan and service industry loan interest subsidy policies in accordance with the central government's directives [2] - The bank is actively working on developing operational guidelines and implementation details for the subsidy policies, which will be communicated through various channels [2] - The initiative aims to reduce credit costs for residents and financing costs for service industry entities, thereby stimulating consumption and supporting high-quality economic development [2]