21世纪经济报道记者 杨梦雪 多项贷款贴息政策均在年初迎来一轮"升级"。 1月20日，财政部等连发多项贷款贴息政策，对此前个人消费贷款、服务业经营主体贷款、设备更新贷款三项贴息政策进行了优化，还新增实 施中小微企业贷款贴息政策。 值得关注的是，此次优化后，个人消费贷款、服务业经营主体贷款、设备更新贷款贴息政策期限均延长至2026年底。 此次政策亮点颇多，包括个人消费贷款贴息将信用卡账单分期业务纳入支持范围，单户服务业经营主体可享受贴息的新发放贷款规模最高由 100万元提升至1000万元，设备更新贷款财政贴息政策贴息标准由1个百分点提升至1.5个百分点等，投向相关重点领域产业链及其上下游产业 的全部中小微民营企业也有望获得贷款贴息。 点点数据金融分析专家李子川对记者表示，此次政策密集发布，传递出"财政发力、精准滴灌、直达末端"的强烈信号。这表明政府不再仅仅依 靠大规模基建投资拉动增长，当前调控逻辑正从单纯的供给侧扩张向供需双向调节加速转变，通过降低微观主体的融资成本，让居民敢消费、 愿消费。 信用卡分期纳入贴息范畴 在个人消费贷款财政贴息政策方面，此次优化涉及消费金融创新、政策期限延长、支持范围扩大、贴息领域拓 ...

1月20日，财政部等连发多项贷款贴息政策，对此前个人消费贷款、服务业经营主体贷款、设备更新贷 款三项贴息政策进行了优化，还新增实施中小微企业贷款贴息政策。 值得关注的是，此次优化后，个人消费贷款、服务业经营主体贷款、设备更新贷款贴息政策期限均延长 至2026年底。 此次政策亮点颇多，包括个人消费贷款贴息将信用卡账单分期业务纳入支持范围，单户服务业经营主体 可享受贴息的新发放贷款规模最高由100万元提升至1000万元，设备更新贷款财政贴息政策贴息标准由1 个百分点提升至1.5个百分点等，投向相关重点领域产业链及其上下游产业的全部中小微民营企业也有 望获得贷款贴息。 点点数据金融分析专家李子川对记者表示，此次政策密集发布，传递出"财政发力、精准滴灌、直达末 端"的强烈信号。这表明政府不再仅仅依靠大规模基建投资拉动增长，当前调控逻辑正从单纯的供给侧 扩张向供需双向调节加速转变，通过降低微观主体的融资成本，让居民敢消费、愿消费。 信用卡分期纳入贴息范畴 多项贷款贴息政策均在年初迎来一轮"升级"。 在个人消费贷款财政贴息政策方面，此次优化涉及消费金融创新、政策期限延长、支持范围扩大、贴息 领域拓展、贴息标准提高等多个方 ...

Core Viewpoint - The article discusses the recent upgrades to multiple loan interest subsidy policies aimed at stimulating consumer spending and supporting small and micro enterprises, indicating a shift in government strategy from large-scale infrastructure investment to more targeted financial support [1][3]. Summary by Sections Personal Consumption Loan Subsidy Policy - The optimization of the personal consumption loan subsidy policy includes extending the policy period to the end of 2026, incorporating credit card installment payments into the subsidy scope, and increasing the annual subsidy rate to 1% [3][4]. - The previous limits on subsidy amounts have been removed, allowing for a cumulative annual subsidy cap of 3,000 yuan per borrower at a single institution [3]. Service Industry Loan Subsidy Policy - The subsidy cap for individual service industry loans has been raised from 1 million yuan to 10 million yuan, with new support areas including digital, green, and retail sectors [7][9]. - The expansion of eligible banks for these subsidies now includes city commercial banks and foreign banks with a regulatory rating of 3A or above [8]. Equipment Update Loan Subsidy Policy - The subsidy rate for equipment update loans has been increased to 1.5%, with a focus on high-end, intelligent, green, and digital equipment updates [10][11]. - The policy now includes a wider range of sectors such as construction, aviation, and artificial intelligence, with a streamlined subsidy process [11]. New Subsidy Policy for Small and Micro Enterprises - A new subsidy policy for small and micro enterprises has been introduced, targeting key industry chains and their upstream and downstream sectors, with a subsidy rate of 1.5% for eligible loans [13][14]. - The policy aims to support various sectors including new energy vehicles, medical equipment, and agricultural machinery, with a loan cap of 50 million yuan per borrower [14].