针对"企业找不到银行、银行摸不清需求"的问题，人民银行山东省分行会同发改、民政、卫健等部门梳 理全省养老产业经营主体融资需求清单，推送给金融机构，督促加快对接进度，加大信贷支持。截至10 月末，已实现清单对接全覆盖，与94家企业达成合作意向，金额105.9亿元，向45家企业发放贷款57.9亿 元。 新华财经济南11月27日电（记者贾云鹏）记者从山东省政府新闻办27日举行的新闻发布会上获悉，人民 银行今年5月设立服务消费与养老再贷款以来，人民银行山东省分行聚焦"政策直达、产品适配、风险共 担"，全力推动政策落地见效。截至10月末，山东累计发放服务消费与养老产业贷款364.2亿元，申报再 贷款77.8亿元，其中累计发放养老产业贷款61.8亿元，申报再贷款21.1亿元，政策红利加速释放。 针对养老产业"周期长、轻资产、缺抵押"等痛点，山东指导金融机构在延长贷款期限、扩大贷款覆盖 面、拓展抵质押物范围等方面积极探索。例如，指导国开行青岛分行将养老贷款的期限延长至最长30 年；指导山东省农信联社创设养老机构建设贷、运营贷等一系列专属信贷产品，将养老设备、应收账 款、床位收费权、知识产权等动产和权利纳入可抵质押范围。目前 ...

北京商报讯（记者 岳品瑜 董晗萱）11月18日，人民银行北京市分行等12部门印发《金融支持北京市提 振和扩大消费的实施方案》。其中提出，落实落细服务消费与养老再贷款政策，激励引导金融机构加大 对住宿餐饮、文体娱乐、旅游、教育、居民服务等服务消费重点领域的各类经营主体信贷投放。用好用 足支农支小再贷款额度，"京消融"专项再贷款额度、"京消通"专项再贴现产品，引导金融机构加大对服 务消费、养老等重点领域和小微涉农企业的信贷支持力度。 ...

Core Viewpoint - The construction of a key elderly care project in Wenzhou, Zhejiang Province, is progressing smoothly, supported by a 300 million yuan loan from Agricultural Bank of China, aimed at enhancing the regional elderly care service system [1][2] Group 1: Project Overview - The project is the first comprehensive elderly care facility in Zhejiang Province, integrating medical care, smart elderly services, and rehabilitation nursing [1] - It aims to serve as a regional elderly care center for southern Zhejiang and northern Fujian, addressing the significant gap in elderly care resources in the area [1][2] - The first phase of the project includes various service centers and has already seen the completion of most buildings, except for the elderly hospital [1] Group 2: Financial Support - Agricultural Bank of China has established a special team to facilitate the project, providing a total credit of 4.972 billion yuan, with 333 million yuan already disbursed at a lower-than-average interest rate [1][2] - The project is recognized as the largest single loan for the elderly care industry since the introduction of a new re-lending policy by the People's Bank of China [2][3] Group 3: Policy Impact - The re-lending policy aims to stimulate financial support for the elderly care sector and related service industries, with a total of 500 billion yuan allocated for this purpose [2][3] - As of mid-September, financial institutions have reported nearly 60 billion yuan in applications for service consumption and elderly care re-lending, involving around 4,000 entities [3] Group 4: Broader Economic Implications - The policy not only focuses on economic growth but also aims to enhance social welfare, improve service quality, and create job opportunities [5] - The integration of the elderly care project with rural revitalization efforts is expected to boost local tourism and agricultural economies [2][3]

Core Viewpoint - The Ministry of Commerce and nine other departments have issued a notice to enhance the construction and expansion of the "15-minute convenient living circle" in urban areas, emphasizing financial and insurance support for community services [1] Financial Support Initiatives - Financial institutions are encouraged to revitalize idle commercial facilities in communities, prioritizing services for the elderly and children [1] - A long-term care insurance system is to be established, with a focus on determining coverage and subsidy standards for economically disadvantaged elderly individuals [1] - The government aims to utilize a 500 billion yuan policy for service consumption and elderly care refinancing to guide financial institutions in increasing support [1] Infrastructure Development - Community commercial complexes, neighborhood centers, department stores, and markets are prioritized for investment through real estate investment trusts (REITs) [1] - The implementation of loan interest subsidy policies for service industry operators is highlighted to support basic livelihood projects [1]

Group 1 - The People's Bank of China has established a service consumption and pension relending program with a quota of 500 billion yuan [1] - The annual interest rate for the relending program is set at 1.5%, with a term of one year and the possibility of two extensions, making the maximum usage period three years [1] - Eligible recipients include 21 national financial institutions such as the National Development Bank, policy banks, state-owned commercial banks, and five city commercial banks deemed systemically important [1] Group 2 - The policy is set to be implemented until the end of 2027 [1]