个人消费贷贴息阵营扩大，黔、川、渝等地城农商行入局！ 12月以来，贵阳银行、贵州银行、成都银行、成都农商行、黔西农商银行等区域性城农商行陆续发布公告，推 进个人消费贷款贴息政策的实施工作。这也意味着，"国补"经办银行从原来的23家金融机构扩容至区域性中小 银行。 业内人士指出，地方消费贷贴息政策响应国家政策号召，有利于提振地方消费活力，除黔川渝外，其他省份或 将陆续跟进，与区域性中小银行等金融机构形成合力，拉动消费信贷市场与释放潜力。 黔川渝金融机构陆续公告 贵阳银行发布的关于个人消费贷贴息工作的公告显示，根据贵州省委金融办、贵州省财政厅、省民政厅、国家 金融监督管理总局贵州监管局等部门联合发布的《贵州省地方法人城市商业银行和农信系统消费贷款贴息实施 细则》（以下简称《细则》）精神及相关要求，该行自2025年12月1日至12月31日，可受理符合条件的消费贷 款客户申请贴息。 根据《细则》，不仅仅是贵阳银行、贵州银行等地方法人城市商业银行，贵州农信系统金融机构也被纳入个人 消费贷贴息工作的经办机构。据记者梳理，截至目前，黔西农商银行、花溪农商银行、沿河农信联社等贵州农 信机构均发布了个人消费贷贴息的办理通知。 ...

四川、重庆、贵州和云南的地方消费贷补贴正陆续落地。 《国际金融报》记者注意到，12月以来，已有多个省市发布了地方性的消费贷补贴政策，并将区域内的 地方银行机构纳入经办银行范围。据公开信息梳理，目前参与发放补贴的银行业机构类型已扩围至地方 农信社，部分地区明确鼓励地方银行和农信社参与贴息工作。 受访专家指出，省级贴息政策的出台可以形成"国补+地补"协同的格局，填补金融服务空白。对于地方 中小银行而言，地方消费贷贴息政策也有助于其更好地发展消费金融业务。展望后续，"地补"省市或将 持续扩围。 地方加码消费贷补贴 进入12月，多地消费贷贴息的利好消息不断传来。 记者注意到，12月8日至10日，四川遂宁银行、四川银行、四川农商行、重庆银行（601963）、重庆三 峡银行、贵州黔西农商行、花溪农商行等超10家区域银行纷纷发布公告，加入省内消费贷贴息政策的经 办银行阵列，地方消费贷补贴进一步加码。具体看来，各地均在9月1日开始实施的消费贷"国补"政策 上，针对地方消费情况作出进一步细化，在贴息时间范围、贴息金额上限和经办机构方面略有不同，大 多明确要求对应消费须发生在省内。 据各地政府官网公开信息，12月2日，四川省率先 ...

转自：北京日报客户端 继消费贷"国补"，近日四川省、贵州省以及重庆市相继落地个人消费贷款财政贴息政策，三地均设定1 个百分点的年贴息比例，且该比例不超过贷款合同利率的50%。 据中新经纬不完全统计，截至发稿时，贵州银行、贵阳银行、成都银行、成都农商行等银行已发布相关 业务受理公告，重庆银行、重庆三峡银行也表示，正在制定贴息细则、实施系统改造。这也意味着，消 费贷贴息的主体进一步扩容至区域性银行。 地方接力消费贷补贴 今年8月，财政部、中国人民银行、国家金融监督管理总局联合印发《个人消费贷款财政贴息政策实施 方案》(下称实施方案)，也被称为金融领域的"国补"。自9月1日正式落地以来，已实施三个月有余。近 期，多地跟进出台地方个人消费贷款贴息政策。 12月3日，重庆市财政局、中国人民银行重庆市分行、国家金融监督管理总局重庆监管局联合发布《关 于做好个人消费贷款财政贴息工作的通知》(下称通知)。其中提到，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 ...

如何让更多消费者愿意消费，敢于消费？来自银行机构的助力必不可少。 昨日晚间，重庆银行、重庆三峡银行相继发布公告称，正在积极制定重庆市内的个人消费贷款财政贴息 工作的细则。 这意味着，重庆成为国内首个启动消费贷地方贴息的直辖市，也是继四川、贵州之后的的第三个省级行 政区。 又有地方政府宣布将辖内银行纳入本地消费贷款财政贴息范围！昨日晚间，重庆银行在官方微信公众号 发布了关于个人消费贷款财政贴息工作的公告。 在公告中，重庆银行表示，该行积极响应并严格执行《重庆市财政局 中国人民银行重庆市分行 国家金 融监督管理总局重庆监管局关于做好个人消费贷款财政贴息工作的通知》（渝财金〔2025〕39号）和 《关于落实巩固拓展经济回升向好势头的财政金融政策有关事项的通知》（川财金〔2025〕76号）精神 及相关要求，正在依法依规、积极有序制定贴息细则，优化办理流程，实施系统改造，推动政策在重庆 市和四川省内和尽快落地。 当日晚间，重庆三峡银行也通过官方微信公众号发布了类似公告。重庆三峡银行表示，具体办理流程等 实施细则后续将通过该行官网、微信公众号等渠道发布，敬请留意。 记者注意到，依据重庆银行的公告，该行在四川省内的经营网点 ...

2025年12月8日，重庆银行（601963）发布公告称，为贯彻落实党中央、国务院决策部署，进一步支持 提振和扩大消费，助力激发消费市场活力，降低居民消费信贷成本，重庆银行积极响应并严格执行《重 庆市财政局 中国人民银行重庆市分行 国家金融监督管理总局重庆监管局关于做好个人消费贷款财政贴 息工作的通知》(渝财金〔2025〕39号)和《关于落实巩固拓展经济回升向好势头的财政金融政策有关事 项的通知》（川财金〔2025〕76号）精神及相关要求，正在依法依规、积极有序制定贴息细则，优化办 理流程，实施系统改造，推动政策在重庆市和四川省内经办机构尽快落地。 重庆银行办理个人消费贷款贴息不额外收取任何费用，没有委托官方渠道以外的任何机构、人员代为办 理，请广大客户谨防各种形式的诈骗，保障财产和信息安全。具体事宜将及时在重庆银行官方网站、微 信公众号等渠道发布，敬请留意。 ...

Core Viewpoint - The introduction of a personal consumption loan interest subsidy policy by major state-owned banks aims to stimulate domestic consumption, enhance public welfare, and promote employment from September 1, 2025, to August 31, 2026, with a subsidy rate of 1% and a cap of 50% of the loan contract interest rate [1] Group 1: Policy Implementation - The subsidy applies to personal consumption loans used for specific categories such as household vehicles, education, and healthcare, with a maximum subsidy for loans under 50,000 yuan and above [1] - Financial institutions are tasked with effectively implementing the policy to ensure consumers benefit and gain confidence [1] Group 2: Consumer Queries and Support - Consumers are encouraged to utilize various channels for inquiries, including online and offline services, to receive personalized assistance from financial institutions [2] - The loan application process has been simplified, allowing borrowers to sign a subsidy service agreement after obtaining the loan, with automatic subsidy deductions on interest payments [2] Group 3: Consumer Rights and Protections - Consumers can challenge banks on transaction recognition issues, with options to submit proof for manual recognition if automatic systems fail [3] - Banks emphasize that only legitimate consumption transactions qualify for subsidies, and misuse of funds or fraudulent activities will lead to severe penalties [4]

Group 1 - The personal consumption loan interest subsidy policy officially started on September 1, with financial institutions prepared to implement it smoothly for consumers [1][2] - The subsidy allows automatic identification of consumer information during loan applications, eliminating the need for customer intervention [1][2] - Major banks, including Agricultural Bank, Bank of China, and others, have confirmed they will not charge service fees for processing these subsidies [1][2] Group 2 - The subsidy rate is set at an annualized 1%, with a maximum limit of 50% of the loan contract interest rate [2][4] - Consumers can benefit from the subsidy on multiple loans, with a maximum subsidy of 3000 yuan available from the same lending institution [4] - Eligible consumption areas for the subsidy include home appliances, education, healthcare, and more, with specific limits on single transaction amounts [4]

Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy is expected to stimulate growth in consumer credit, with banks experiencing a divergence in performance and asset quality remaining a key focus for the industry [1][4]. Group 1: Policy Implementation and Consumer Impact - The personal consumption loan interest subsidy policy officially launched on September 1, allowing consumers to receive interest subsidies directly through bank systems, with a maximum subsidy of 3,000 yuan per loan [1]. - The subsidy has led to some loan interest rates dropping below 3%, significantly reducing monthly interest payments for consumers [2][3]. - Banks have optimized their processes for applying for subsidies, with many offering mobile banking options for easy access [2]. Group 2: Market Performance and Trends - As of June, the total balance of personal consumption loans across 36 listed banks exceeded 5.49 trillion yuan, reflecting a year-on-year growth of 10.24% [4]. - State-owned banks are leading in loan issuance, with Construction Bank reporting a balance of 6,305.54 billion yuan, a year-on-year increase of 28.32% [5]. - In contrast, many joint-stock banks are experiencing a contraction in their consumer loan portfolios, with notable declines in banks like Ping An Bank and Citic Bank [6]. Group 3: Asset Quality and Risk - The consumer loan delinquency rates are rising, with Industrial and Commercial Bank of China reporting a delinquency rate of 2.51%, an increase of 0.86 percentage points year-on-year [8]. - Some regional banks are facing significant pressure from rising non-performing loans, despite high growth rates in loan issuance [7]. - The overall retail loan risk is accumulating, with an increase in overdue rates and restructured loans, indicating potential challenges ahead for the sector [10].

Core Points - The new personal consumption loan interest subsidy policy is effective from September 1 this year to August 31 next year, offering a subsidy rate of 1% per annum, with a maximum subsidy not exceeding 50% of the loan contract interest rate [1] - The total subsidy cap for each borrower at one lending institution is set at 3,000 yuan, corresponding to a cumulative consumption amount of 300,000 yuan, with a specific cap of 1,000 yuan for single loans below 50,000 yuan [1] - The average personal consumption loan interest rate from commercial banks is around 3%, potentially reducing the actual interest burden for consumers to about 2% during the policy period [1] Consumption Scope - The subsidy covers two categories of consumption: daily expenses for single loans below 50,000 yuan and significant expenditures such as household vehicles, education, cultural tourism, and health care for loans of 50,000 yuan and above [1] Lending Institutions - A total of 23 designated lending institutions are involved, including 6 large commercial banks, 12 joint-stock banks, and 5 other personal consumption loan providers, all of which have a broad regional coverage and are frequently accessed by consumers [1] Application Process - Several banks have automated systems to recognize consumer account transaction information for subsidy operations, simplifying the application process for borrowers [2] - Consumers can apply for personal consumption loans through various channels, including mobile banking apps, and the subsidy will be automatically deducted from the loan interest on the settlement date [2] - Strict measures are in place to prevent fraudulent activities related to loan applications, with penalties for those who attempt to misuse the subsidy funds [2]

Core Viewpoint - The central government has launched a subsidy policy for personal consumption loans starting from September 1, which aims to alleviate the repayment burden for consumers by covering part of the loan interest [3][5]. Summary by Relevant Sections Policy Implementation - The subsidy policy will provide an annual interest subsidy of 1% for eligible residents using personal consumption loans for genuine consumption [5][9]. - This is the first time the central government has extended fiscal subsidies to the personal consumption loan sector, referred to as a "national red envelope" for consumers [5][9]. Subsidy Mechanics - For example, if a consumer borrows 50,000 yuan at a 3% annual interest rate, they would typically pay 1,500 yuan in interest. With the subsidy, they would only pay 1,000 yuan, saving 500 yuan [5][9]. - The subsidy covers a wide range of consumer expenditures, including daily expenses, major purchases like cars and home renovations, and service-related expenses such as education and healthcare [5][6][13]. Coverage and Limits - The subsidy applies to individual loans below 50,000 yuan and focuses on seven key areas for loans of 50,000 yuan and above, including home appliances, automotive expenses, and healthcare [6][9][13]. - Each consumer can receive a maximum subsidy of 3,000 yuan from a single lending institution, with smaller loans (below 50,000 yuan) eligible for up to 1,000 yuan [9][12]. Participating Institutions - The policy includes participation from six major state-owned banks and twelve national joint-stock commercial banks, as well as five other personal consumption loan providers [10][12][14]. Application Process - The application process involves three main steps: selecting a lending institution, signing a supplementary agreement, and ensuring compliant consumption that can be traced by the bank [16][18]. - Consumers are advised to avoid cash withdrawals and personal transfers to ensure eligibility for the subsidy [18][20]. Future Outlook - The policy is set to remain in effect until the end of August 2026, with evaluations planned to assess its impact and potential extensions or expansions [23].