2026年首场国务院常务会议部署的财政金融促内需一揽子政策1月20日公布。为确保一揽子政策更早释 放效果，财政部会同相关部门已在近期召开全国推进视频会，布置地方和经办机构及早落实。在1月20 日召开的国新办新闻发布会上，财政部有关负责人对一揽子政策要点作出详细解答。 一揽子政策一共六项，其中，四项政策支持民间投资，两项政策支持促进消费。财政部副部长廖岷在新 闻发布会上表示，一揽子政策所需的财政支出，在2026年的预算中做了充分安排。2026年财政部门 将"硬核"支持稳就业、稳企业、稳市场、稳预期，确保"十五五"实现良好开局。 国家金融与发展实验室特聘高级研究员庞溟对证券时报记者表示，一揽子政策在财政端"增信、降本、 补短板"，运用财政资金作为杠杆，通过系统性设计撬动各类资源支持，增强市场信心，更大力度促进 民间投资、科技创新、设备更新和消费扩容等关键领域发展。 "组合拳"助企业 节约融资成本、增强盈利 激发民间投资是此次一揽子政策的"重头戏"。支持民间投资的四项政策既降低融资成本，也降低融资门 槛。 民间投资专项担保计划主要是为中小微民营企业贷款提供担保，符合条件的中小微民营企业，因生产场 景的拓展、改造、升 ...

证券时报记者 贺觉渊 2026年首场国务院常务会议部署的财政金融促内需一揽子政策1月20日公布。为确保一揽子政策更早释放效果，财 政部会同相关部门已在近期召开全国推进视频会，布置地方和经办机构及早落实。在1月20日召开的国新办新闻发 布会上，财政部有关负责人对一揽子政策要点作出详细解答。 一揽子政策一共六项，其中，四项政策支持民间投资，两项政策支持促进消费。财政部副部长廖岷在新闻发布会 上表示，一揽子政策所需的财政支出，在2026年的预算中做了充分安排。2026年财政部门将"硬核"支持稳就业、 稳企业、稳市场、稳预期，确保"十五五"实现良好开局。 国家金融与发展实验室特聘高级研究员庞溟对证券时报记者表示，一揽子政策在财政端"增信、降本、补短板"， 运用财政资金作为杠杆，通过系统性设计撬动各类资源支持，增强市场信心，更大力度促进民间投资、科技创 新、设备更新和消费扩容等关键领域发展。 "组合拳"助企业 节约融资成本、增强盈利 激发民间投资是此次一揽子政策的"重头戏"。支持民间投资的四项政策既降低融资成本，也降低融资门槛。 中小微企业贷款贴息政策是支持中小微民营企业发展的一项新政策。主要是对相关领域企业贷款予以贴 ...

Core Viewpoint - The article discusses the recent announcement by the Ministry of Finance regarding a package of policies aimed at stimulating domestic demand and promoting high-quality economic development, with a focus on two key interest subsidy policies for the service industry and personal consumption loans [1][4]. Group 1: Policy Duration - The personal consumption loan interest subsidy policy will be uniformly implemented by Agricultural Bank of China, Bank of China, and Postal Savings Bank from September 1, 2025, to December 31, 2026 [5]. - The service industry loan interest subsidy policy, currently announced only by Agricultural Bank, will also be effective until December 31, 2026, with existing loans issued between March 16, 2025, and December 31, 2025, continuing under previous regulations [5]. Group 2: Subsidy Scope Optimization - The inclusion of credit card business: Credit card bill installment plans are now part of the subsidy scope, applicable for new applications from January 1, 2026, to December 31, 2026, with a subsidy rate of 1% per annum, capped at 50% of the agreed annualized interest rate [6]. - Adjustments in personal consumption loan standards include the removal of a 500 yuan cap on single transaction subsidies, elimination of a 1,000 yuan cap for cumulative transactions under 50,000 yuan, while maintaining a 3,000 yuan annual cap for all personal consumption loans [6]. - For service industry loans, three new categories—digital, green, and retail—are added to the existing eight categories, and the maximum subsidy per loan is increased from 1 million yuan to 10 million yuan [6]. Group 3: Important Considerations - Fraudulent activities are strictly prohibited, and any misuse of funds will be legally addressed, with banks retaining the right to recover subsidies already granted [7]. - No fees will be charged during the loan and subsidy processes, and banks will not engage third parties for these services [7]. - Overdue loans will not qualify for subsidies, and borrowers must settle all outstanding principal and interest before being eligible for the subsidy [7]. Group 4: Inquiry Channels - Customers can check subsidy details through bank SMS, mobile banking apps, physical branches, or customer service hotlines, with specific business details to be confirmed through official channels [8].