Core Points - The Ministry of Finance, along with other departments, has introduced a subsidy policy for personal consumption loans and service industry loans, marking the first central-level implementation of such policies [1][2] - The subsidy for personal consumption loans targets the portion of loans actually used for consumption, with a subsidy rate of 1%, which is approximately one-third of the current commercial bank personal consumption loan interest rate [2][4] - The policy is set to last for one year, with specific examples illustrating potential savings for consumers and service industry operators [2][3] Subsidy Scope and Strength - The subsidy applies to personal consumption loans for various categories, including daily expenses under 50,000 yuan and larger purchases such as cars and home renovations [2] - For service industry loans, the subsidy focuses on eight key sectors, including dining, health, and tourism, with a maximum loan amount of 1 million yuan per entity and a subsidy cap of 10,000 yuan [2][4] Eligibility Criteria - To qualify for the subsidy, borrowers must demonstrate genuine consumption behavior, with specific conditions outlined for both personal and service industry loans [4][6] - The policy allows for multiple applications and cumulative benefits, with detailed calculations for subsidies based on loan amounts and usage [4][5] Implementation Process - The process for receiving subsidies involves the lending institution calculating the subsidy amount based on the established criteria and directly applying it to the borrower's interest payments [5][6] - Borrowers will be informed of their subsidy status through various communication methods, ensuring transparency in the process [5][6] Future Considerations - The policies are designed to be flexible, with potential evaluations for extending the duration or expanding the scope based on effectiveness [7][8] - Financial institutions are encouraged to enhance their services and streamline processes to better support the implementation of these policies [8]

北京商报讯（记者 宋亦桐）8月13日，国务院新闻办公室举行新闻发布会，介绍《个人消费贷款财政贴 息政策实施方案》和《服务业经营主体贷款贴息政策实施方案》政策有关情况，财政部副部长廖岷指 出，与以往直接财政补贴相比，两项贴息政策的特点是和金融政策协同发力，来发挥公共资金的引导作 用，撬动更多金融活水流向真正的消费领域，以激发消费潜力，提升市场的活力。 廖岷表示，"做个简单的测算，如果按照1%的贴息比例，意味着1元的贴息资金，有可能带动100块元贷 款资金用于居民消费或者是消费领域服务业的供给，所以这是一个公共资金和金融工具的结合产生的撬 动效应。" ...

对居民而言，申请个人消费贷款要到商业银行、消费金融公司等正规金融机构办理，只有这样才能享受到贴息政策红利；要基于个人和家庭的消费需求和实 际需要申请消费贷款，量力而行、合理适度，切不可因为额度高、利率低、有补贴就随意申请，并将个人债务负担控制在合理水平之内。经营主体要确保将 贷款资金用于开展合规经营活动，居民申请消费贷款应用于合理消费，不得违规用于投资理财等用途。 董希淼 | 立方大家谈专栏作者 金融机构应摒弃规模情结和速度情结，将贷款利率保持在合理水平，增强商业可持续性。同时，利用金融科技工具完善风控模型和算法，根据消费者职业、 收入、负债、信用等准确判断还款能力，提升风险防控有效性；进一步加强对贷款用途和资金流向的管控，确保相关贷款不被挪用，贴息资金不被套取；对 消费者需求进行全面分析，提高消费者需求匹配的精准度，提升信贷审批的科学性和准确性，减少过度授信和"多头借贷"现象，保护好消费者合法权益。 8月12日，财政部等部门印发《服务业经营主体贷款贴息政策实施方案》和《个人消费贷款财政贴息政策实施方案》。消费领域两项财政贴息政策从审议通 过到正式落地，仅用了不到两个星期。财政贴息政策将发挥引导带动作用，与金 ...