投资者提问：国家8月份发布了服务业经营主体贷款贴息政策，从2025年3月16日起签订的符合条件的贷 款合同可享受贴息 ，公司作为大型零售企业，想必在运营中存在一定的贷款情况。想了解一下这一政 策是否可以帮助公司减少运营成本？ 证券之星消息，武商集团(000501)09月03日在投资者关系平台上答复投资者关心的问题。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 武商集团回复：公司持续关注政府具体政策和银行细则政策出台，积极推进贴息政策应用于公司业务。 感谢您的关注！ ...

Core Viewpoint - The implementation of the loan interest subsidy policy aims to support the service industry, which is crucial for high-quality economic development, by providing financial assistance to enhance consumption and expand domestic demand [1][2]. Group 1: Policy Implementation - The Ministry of Finance and nine other departments have jointly issued the "Implementation Plan for Loan Interest Subsidy Policy for Service Industry Operators" to support consumption and domestic demand strategies [1]. - The service industry has become a core engine for economic growth, with its value-added accounting for over 50% of GDP and 88.2% of newly established business entities in the third sector in the first half of the year [1][2]. Group 2: Financial Support Mechanism - The policy aims to lower financing costs for service industry operators, who often face challenges due to reliance on light asset operations and lack of effective collateral [2]. - The subsidy rate is set at 1 percentage point for a maximum loan amount of 1 million yuan per entity, with a maximum subsidy of 10,000 yuan per entity for one year [2][3]. Group 3: Expected Outcomes - The loan interest subsidy policy is expected to provide financial convenience and incentives for high-quality service enterprises, enabling them to innovate, upgrade, and expand, thereby enhancing service quality [3]. - The policy will undergo evaluations post-implementation to assess its effectiveness and may lead to extensions or adjustments based on the outcomes [3]. Group 4: Collaborative Measures - To maximize the effectiveness of the subsidy policy, it is essential to establish a risk-sharing mechanism, enhance policy communication, and create an evaluation system to ensure efficient use of funds [3].

Core Insights - The Ministry of Finance and nine other departments have issued a loan interest subsidy policy aimed at supporting service industry operators in eight specific sectors [1] Group 1: Policy Details - The sectors eligible for the subsidy include catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1] - The subsidy will cover a maximum loan amount of 1 million yuan per entity, with a subsidy rate of 1% per annum for a maximum period of one year [1] - The central and provincial finances will bear 90% and 10% of the subsidy funds, respectively [1] Group 2: Usage Restrictions - Loan funds must be used for compliant business activities, enhancing service supply capabilities, and improving consumer infrastructure [1] - Strict prohibitions are in place against misreporting, fraudulent claims, misappropriation, or diversion of loan funds [1] - The use of loan funds for real estate development, investment, or financial speculation is explicitly forbidden [1]

从贴息标准看，《实施方案》明确，对于经办银行向服务业经营主体发放的贷款，财政部门按照贷款本 金对经营主体进行贴息，贴息期限不超过1年，年贴息比例为1个百分点，中央财政、省级财政分别承担 贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。相关贷款包括用于改善消费基础 设施的固定资产贷款以及用于提升服务供给能力的流动资金贷款。同一笔贷款不得重复享受中央财政其 他贴息政策；已享受地方财政相关贴息政策的，此次贴息不得超出扣除已有贴息后的实际利率水平。 朱华雷分析，这可显著降低符合条件经营主体的融资成本，有利于企业扩大经营规模。 宋向清表示，此项贷款贴息政策主要针对服务业经营主体，预计可直接降低企业融资成本，缓解中小微 企业现金流压力。同时也有望成为服务业提质增效的"加速器"，推动企业服务升级，提升行业竞争力， 提升消费者的体验，继而为服务业高质量发展奠定基础。 从支持范围看，《实施方案》明确，同时符合以下条件的贷款可享受贴息政策：一是由经办银行向餐饮 住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主体发放；二是在 《提振消费专项行动方案》公开发布之日(2025年3月16日) ...

原标题：财政部等九部门印发《服务业经营主体贷款贴息政策实施方案》 中新网8月12日电据财政部网站消息，为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内 需求的决策部署，财政部、民政部、人力资源社会保障部、商务部、文化和旅游部、国家卫生健康委、 中国人民银行、金融监管总局、体育总局等九部门印发《服务业经营主体贷款贴息政策实施方案》。具 体内容如下： 服务业经营主体贷款贴息政策实施方案 为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，根据中央办公厅、国 务院办公厅印发的《提振消费专项行动方案》关于2025年对符合条件的消费领域服务业经营主体贷款给 予财政贴息的要求，充分发挥财政政策引导带动作用，推动降低服务业经营主体融资成本，助力激发消 费市场活力，以高质量供给创造有效需求，制定本实施方案。 一、政策内容 (一)支持范围。同时符合以下条件的贷款可享受贴息政策：一是由经办银行向餐饮住宿、健康、养老、 托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主体发放。二是在《提振消费专项行动方 案》公开发布之日(2025年3月16日)至2025年12月31日期间签订贷款合同且相关贷款资金 ...

由经办银行向餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类消费领域服务业经营主 体发放。 8月12日，财政部、民政部、人力资源社会保障部、商务部、文化和旅游部、国家卫生健康委、中国人 民银行、金融监管总局、体育总局等九部门联合印发《服务业经营主体贷款贴息政策实施方案》（以下 简称《实施方案》）。 此外，《实施方案》明确，经营主体要确保将贷款资金用于开展合规经营活动、提升服务供给能力、改 善消费基础设施，严禁虚报、冒领、套取、截留、挤占、挪用贷款资金，严禁将贷款资金用于房地产开 发或投资、理财等套利活动。经办银行要严格按照相关部门审核检查结果申领贴息资金，确保贴息资金 合规用于向符合贴息条件的经营主体兑付，严禁经办银行和经营主体套取贴息资金。 《实施方案》明确，对于经办银行向服务业经营主体发放的贷款，财政部门按照贷款本金对经营主体进 行贴息，贴息期限不超过1年，年贴息比例为1个百分点，中央财政、省级财政分别承担贴息资金的 90%、10%。单户享受贴息的贷款规模最高可达100万元。相关贷款包括用于改善消费基础设施的固定 资产贷款以及用于提升服务供给能力的流动资金贷款。同一笔贷款不得重复享受中央财政其他 ...

Core Viewpoint - The implementation plan for the service industry loan interest subsidy policy aims to boost consumption and expand domestic demand as directed by the central government [1] Group 1: Policy Overview - The plan specifies the support scope, which includes loans issued to service industry entities in eight consumption sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [2] - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and enhance service supply capacity [2] Group 2: Subsidy Standards - The interest subsidy standard is set at 1% per annum for a maximum period of one year, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [3] - Each entity can receive a maximum loan of 1 million yuan, which can be used for fixed asset loans and working capital loans aimed at improving service capabilities [3] Group 3: Participating Banks - The plan identifies 21 national banks as the lending institutions eligible for the interest subsidy, including major banks such as the Agricultural Bank of China, Industrial and Commercial Bank of China, and China Construction Bank [4]

Core Viewpoint - The Ministry of Finance and the People's Bank of China, along with nine other departments, have issued a policy implementation plan for interest subsidies on loans to service industry entities, aimed at enhancing financial support for the sector [1] Summary by Relevant Sections Loan Subsidy Details - The policy provides for interest subsidies on loans issued by banks to service industry entities, with a subsidy period not exceeding one year and an annual subsidy rate of 1% [1] - The central and provincial finances will bear 90% and 10% of the subsidy funds, respectively [1] - The maximum loan amount eligible for the subsidy per entity is capped at 1 million yuan [1] Eligible Loan Types - The loans covered include fixed asset loans for improving consumer infrastructure and working capital loans aimed at enhancing service supply capacity [1] - A specific loan cannot benefit from multiple central financial subsidy policies, and if it has already received local financial subsidies, the new subsidy cannot exceed the actual interest rate after deducting existing subsidies [1]