2025年12月10日，哈尔滨银行发布公告称，为深入贯彻党中央、国务院决策部署，降低居民消费信贷成 本，更好激发消费潜力、提升市场活力，哈尔滨银行将认真贯彻落实并严格执行《四川省财政厅等六部 门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）相关 要求，针对在哈尔滨银行成都分行办理个人消费类贷款的客户有序开展贴息相关工作。业务受理时间、 办理渠道、操作指引等实施细则后续将通过哈尔滨银行官网、官方微信公众号等渠道公布，敬请留意。 哈尔滨银行办理个人消费贷款贴息不收取任何服务费用，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。具体事宜将及时在哈尔滨银行官方网 站、微信公众号、网点等渠道发布，敬请留意。 ...

Group 1 - The core point of the article is the introduction of a fiscal subsidy policy for consumer loans, effective from September 1 this year, which offers a 1% annual interest subsidy for various consumer expenditures [1][3] - The subsidy applies to both small daily expenses and larger purchases such as cars and home renovations, as long as the consumer has obtained a loan from a relevant institution and has used it for genuine consumption [1][3] - Consumers must be cautious as the subsidy will not apply if the loan is withdrawn as cash for spending, and the funds must be used directly for purchases to qualify for the subsidy [3] Group 2 - The policy aims to reduce the cost of consumer credit and stimulate consumption potential, but consumers are advised to manage their personal debt levels responsibly and avoid misusing loan funds for investments [3]

Core Viewpoint - Bohai Bank announced its initiative to implement personal consumption loan interest subsidies to reduce consumer credit costs and stimulate market potential, aligning with national policies [1] Group 1 - Bohai Bank will actively and orderly promote the organization and implementation of personal consumption loan interest subsidies [1] - The initiative aims to ensure that the benefits of national policy reach financial consumers effectively [1] - Specific channels for processing and operational guidelines will be published through official platforms such as the bank's website, WeChat account, and mobile banking app [1]

Core Viewpoint - The announcements from various Chinese banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and others, emphasize their commitment to implementing consumer loan interest subsidies as part of the government's initiative to stimulate consumption and reduce credit costs for residents [1][2][5][6][8][10]. Group 1: Implementation of Subsidies - The banks will begin implementing interest subsidies for eligible personal consumer loans starting from September 1, 2025, in accordance with the directives outlined in the official notices [2][5][6][8]. - The subsidy program aims to lower the cost of consumer credit and enhance market vitality, thereby stimulating consumer spending [1][4][10]. Group 2: Communication and Safety Measures - Each bank will provide detailed procedures and guidelines for the subsidy process through their official channels, including websites and mobile applications [1][5][8][10]. - The banks have issued warnings against potential scams, stating that they will not charge any service fees for the subsidy process and will not delegate this task to third parties [2][6][10].