旅客在江苏无锡火车站准备乘车 游客在宁夏银川市鼓楼步行街游玩 游客在重庆奉节三峡之巅游览 游客在南京夫子庙景区游览 市民在2025第46届中国（福州）国际汽车博览会现场观看车商的促销活动 本版图片均为新华社图 郭 晨凯 制图 供需双轮驱动 服务消费增长潜力持续释放 ◎记者 陈芳 刚刚过去的国庆中秋长假，国内出游达到8.88亿人次，全社会跨区域人员流动量日均超过3亿人次，"流 动的中国"不仅展现出勃勃生机，而且激发了旅游、餐饮等服务消费的蓬勃动能。 国庆中秋假期里，旅行社、景区、商家推出的旅游新玩法、新业态、新模式层出不穷。例如，美团旅行 的"北疆阿勒泰伊犁大环线"小团游中，增添了阿勒泰夜市、禾木古村骑马漫游、民族歌舞等丰富的文化 体验，备受参团年轻人好评。宁夏海原推出的"月满华诞·情聚海原"系列活动构建了"灯谜互动+非遗体 验+特产展销+灯光秀"的联动模式，让游客感受历史文化与发展活力的交融，旅游消费呈现出多样化、 多业态融合发展等趋势。 味蕾游、文博游、非遗游等"旅游+"是旅游深度开发、供给优化的表现。而正是这种供给端的持续创 新，带动了消费端潜力的释放。"跟着演出去旅行""跟着赛事去旅行"等带动不少城市的 ...

Core Points - The two loan interest subsidy policies aim to enhance financial collaboration and direct more credit to the consumption sector, thereby reducing credit costs for residents and businesses while boosting consumption to facilitate economic circulation [1][2][11] - The personal consumption loan subsidy targets loans used for consumption, with a subsidy rate of 1%, which is approximately one-third of the current commercial bank personal consumption loan interest rate, applicable for one year [1][2] - The service industry loan subsidy focuses on eight key consumption service sectors, with a similar subsidy rate and a maximum loan amount of 1 million yuan per entity, allowing for a maximum subsidy of 10,000 yuan [2][11] Policy Implementation - The application process for both subsidy policies is designed to be simple and low-threshold, requiring only basic conditions to be met for consumers and service providers to benefit [5][6] - For personal consumption loans, the core requirement is that the loan must be used for genuine consumption, with a maximum subsidy of 500 yuan per individual transaction, and up to 1,000 yuan for multiple transactions with the same lender [5][6] - Service industry entities must use the loan for operational activities, with the subsidy applicable for loans signed from March 16 to the end of the year, and the funds must be used for legitimate business purposes [6][9] Financial Institutions Involved - The loan processing institutions include six major state-owned banks, twelve joint-stock banks, and five other consumer loan institutions, while local banks are excluded from the initial list [2][11] - The inclusion of licensed consumer finance companies is seen as beneficial due to their broader coverage of consumption scenarios and customer base, complementing the services provided by national banks [3][11] Monitoring and Control - The management of subsidy funds will follow strict guidelines to ensure funds are used appropriately, with a full-process control mechanism established between government departments and lending institutions [9][10] - Financial institutions are encouraged to maintain reasonable loan interest rates and enhance risk management practices to prevent misuse of funds and ensure consumer protection [10][11] Economic Impact - The combined effect of the two subsidy policies is expected to create a "dual-driven" effect, stimulating demand in the consumer sector while alleviating financing pressures for service industry entities, thus fostering a positive economic cycle [11]

Core Viewpoint - The two loan interest subsidy policies aim to enhance financial and fiscal collaboration, directing more credit towards consumption, reducing credit costs for residents and businesses, and ultimately boosting consumption to facilitate economic circulation [1][2]. Summary by Sections Personal Consumption Loan Subsidy - The subsidy targets personal consumption loans used for various consumer expenditures, including daily expenses under 50,000 yuan and larger purchases like cars and home renovations, with a subsidy rate of 1% [1][2]. - The policy is applicable for one year, with a maximum subsidy of 500 yuan per individual for each loan, and a cumulative maximum of 1,000 yuan for multiple small loans [6]. - For larger loans over 50,000 yuan, the subsidy is calculated based on a maximum of 50,000 yuan, allowing for a total of up to 3,000 yuan when combined with smaller loans [6]. Service Industry Loan Subsidy - The subsidy is directed at loans to service industry entities in key consumption sectors such as dining, health, and tourism, with a similar subsidy rate of 1% and a maximum loan amount of 1 million yuan per entity [2][3]. - Each entity can receive a maximum subsidy of 10,000 yuan, and the subsidy is available for one year [2][3]. Application Process and Conditions - The application process for both subsidies is designed to be simple and low-threshold, requiring only basic conditions to be met [5][6]. - For personal loans, the core requirement is that the loan must be used for genuine consumption [6]. - For service industry loans, the funds must be used for legitimate business activities, such as improving infrastructure and service capabilities, and cannot be used for investment or speculative activities [7][8]. Fund Management and Oversight - The management of subsidy funds will follow strict guidelines to ensure they are used appropriately, with a full-process control mechanism in place [10][11]. - The Ministry of Finance will conduct evaluations post-implementation to assess the effectiveness of the policies and consider potential extensions or adjustments [3][11]. Market Response and Implications - Major banks have quickly responded to the subsidy policies, indicating their ability to adapt to macroeconomic policies and their commitment to supporting the real economy [12][13]. - The combined effect of the two subsidy policies is expected to create a "dual-driven" effect, stimulating both consumer demand and service industry supply, thereby enhancing economic circulation [13].