这两项政策到期后会开展效果评估，研究视情延长政策的期限，或扩大支持范围、调整贷款经办机构的 范围。 Q 《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》于8月12日发 布。8月13日，国新办就个人消费贷款贴息政策和服务业经营主体贷款贴息政策有关情况举行新闻发布 会，财政部等多部门在会上逐一回应市场关注的热点问题。 这两项贷款贴息政策将如何为个人消费和服务业经营主体带来利好？具体的贴息标准怎样？申请流程又 该如何操作？ Q 政策的主要内容是什么？ A 财政部副部长廖岷介绍，个人消费贷款贴息政策的贴息对象为，居民使用的相关贷款经办机构个人消费 贷款中实际用于消费的部分，包括单笔5万元以下日常消费，以及单笔5万元及以上的家用汽车、养老生 育、教育培训、文化旅游、家居家装、电子产品和健康医疗等重点领域消费，贴息比例为1个百分点， 大体为当前商业银行个人消费贷款利率水平的1/3，政策实施期为1年。 服务业经营主体贷款贴息政策的贴息对象是向消费领域服务业经营主体发放的银行贷款，聚焦餐饮住 宿、健康、养老、托育、家政、文化娱乐、旅游、体育等8类主要消费服务领域。贴息比例为1个百分 点，可以贴息1 ...

【导读】消费贷款领域又一次"国补"落地，防范贴息资金套取挪用风险 事关个人消费贷贴息，更多细节公布！ 8月13日上午，国新办举行新闻发布会，财政部副部长廖岷和商务部、中国人民银行、金融监管总局有关负责人介绍个人消费贷 款贴息政策和服务业经营主体贷款贴息政策有关情况，并回答记者问。 值得一提的是，#个人单笔5万元以下消费可享贴息#的词条近期冲上微博热搜榜，且热度持续提升。截至发稿，该词条仍保持在 热搜榜第三位。 贴息对象为：居民使用的相关贷款经办机构个人消费贷款中实际用于消费的部分，包括单笔5万元以下日常消费，以及单笔5万 元及以上的家用汽车、养老生育、教育培训、文化旅游、家居家装、电子产品和健康医疗等重点领域消费，贴息比例为1个百分 点，大体为当前商业银行个人消费贷款利率水平的1/3，政策实施期为1年。支持范围既包括商品消费，也包括服务消费。 服务业经营主体贷款的贴息政策，贴息对象是向消费领域服务业经营主体发放的银行贷款，聚焦餐饮住宿、健康、养老、托 育、家政、文化娱乐、旅游、体育等8类主要消费服务领域。贴息比例为1个百分点，可以贴息1年，上述领域的服务业经营主体 单户享受贴息的贷款规模最高为100万元，单户 ...

Core Viewpoint - The article discusses the implementation of a new personal consumption loan interest subsidy policy in China, aimed at boosting consumer spending and supporting service industry growth [6][9]. Summary by Sections Policy Overview - The personal consumption loan interest subsidy policy is a first for the central government, directly benefiting consumers by subsidizing loans used for consumption [6]. - The subsidy applies to loans under 50,000 yuan for daily expenses and loans of 50,000 yuan or more for key areas such as home appliances, education, and healthcare, with a subsidy rate of 1 percentage point [6][9]. Duration and Evaluation - The policy is set for one year, with potential for extension or expansion based on effectiveness evaluations [5][7]. Impact on Service Industry - The subsidy also targets loans to service industry entities in sectors like hospitality, healthcare, and entertainment, with a maximum loan size of 1 million yuan and a subsidy cap of 10,000 yuan per entity [6][7]. - In 2024, service consumption is projected to account for 46.1% of per capita consumption expenditure, contributing 63% to the growth of consumer spending [7]. Implementation Process - Borrowers will not need to take additional steps to access the subsidy; the lending institutions will handle the necessary processes [8][9]. - Borrowers must authorize lenders to access their transaction information to calculate the subsidy, which will be communicated through SMS or apps [9]. Compliance and Monitoring - The policy emphasizes that loans must be used for legitimate consumption or business activities; misuse for non-consumption purposes will disqualify borrowers from receiving subsidies [10][12]. - Financial regulators will monitor the use of funds to ensure compliance and protect borrowers' rights [12].

Core Points - The Ministry of Finance, in collaboration with other departments, has introduced two subsidy policies for personal consumption loans and service industry loans aimed at boosting consumer spending [1][3] - The personal consumption loan subsidy will benefit a wide range of consumers, with a subsidy rate of 1% applicable to loans used for various consumption purposes, including daily expenses and significant purchases like cars and education [1][3] - The service industry loan subsidy targets eight key sectors, including dining, health, and tourism, with a similar subsidy rate and a maximum loan amount of 1 million yuan per entity [3] Summary by Category Personal Consumption Loan Subsidy - This is the first time the central government has provided subsidies for personal consumption loans, directly benefiting consumers [1] - The subsidy applies to loans up to 50,000 yuan for daily expenses and larger loans for specific categories such as home purchases and education [1] - The subsidy rate of 1% is approximately one-third of the current commercial bank loan interest rates, and the policy will be in effect for one year [1][3] Service Industry Loan Subsidy - The subsidy is aimed at service industry entities in sectors like dining, health, and entertainment, with a focus on enhancing consumer services [3] - Each entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, with a 1% subsidy rate for one year [3] - The policies are designed to be straightforward, minimizing barriers for consumers and businesses to access the benefits [3]

8月13日上午，国务院新闻办举行新闻发布会，介绍个人消费贷款贴息政策和服务业经营主体贷款贴息政策有 关情况。财政部金融司相关负责人在回答极目新闻记者提问时表示，两项贴息政策涉及的侧重点均是广覆 盖、低门槛，未设置复杂的申请程序。 极目新闻记者 曹雪娇 服务业经营主体贷款贴息的条件，核心是要将贷款资金用于经营活动。今年3月16日公开发布《提振消费专项 行动方案》，对于餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育这8类消费领域服务业经营主 体而言，从今年3月16日到年底的时间里，只要与银行签订了贷款合同，而且已经收到贷款资金的这些经营主 体，都可以享受最长1年的贴息，贷款期限不足一年的，按照实际期限来进行贴息。 "这里要向广大服务业经营主体说明的是，贷款资金必须合规用于正常的经营活动，例如拓展空间、优化布 局、提升硬件、增加业态、人员培训、产品研发等，重点是要改善消费基础设施、提升服务供给能力，不能 用于投资理财和套利活动。"于红称。 （来源：极目新闻） 极目新闻记者提问（图源：国新网） 发布会现场（图源：国新网） 记者注意到，8月12日，《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 ...

Group 1 - The Ministry of Finance and other departments have released two financial subsidy policy implementation plans aimed at personal consumption loans and service industry operating entities, providing a one-year subsidy for related loans [1] - The personal consumption loan subsidy policy specifies that from September 1, 2025, to August 31, 2026, residents can enjoy a subsidy for personal consumption loans used for specific categories, with a maximum subsidy limit of 3,000 yuan per borrower [3] - The subsidy covers consumption loans under 50,000 yuan and those above for key areas such as home appliances, education, and healthcare, with a subsidy rate of 1% per year, not exceeding 50% of the loan contract interest rate [3] Group 2 - The service industry subsidy policy targets eight sectors including catering, health, and tourism, allowing eligible loans to receive a subsidy for up to 100,000 yuan per entity, with a similar 1% annual subsidy rate [4] - Experts believe these subsidy policies will stimulate consumer spending and improve living standards by reducing the cost of consumer credit and supporting service providers in enhancing infrastructure and service capabilities [4] - The implementation of these policies reflects a shift in fiscal policy towards a focus on improving people's livelihoods and integrating fiscal and monetary policies to stimulate personal consumption [4]

8月13日，融监管总局新闻发言人、政策研究司司长郭武平8月13日，在国新办新闻发布会上表示，两项 贷款贴息政策分别从供需两端发力，协同配合、精准施策，预期将促进消费领域良性循环，提升消费市 场活力。就服务业经营主体的贷款贴息政策而言，经办银行首先要聚焦餐饮住宿、健康、养老、托育、 家政、文化、娱乐、旅游、体育等8类与人民群众日常生活密切相关的消费行业，加大信贷投放力度。 特别是针对符合条件的小微企业，要发挥好支持小微企业融资协调工作机制作用，指导银行精准对接， 实现信贷资金直达基层、快速便捷、利率适宜。 ...

央视网消息：2025年8月13日（星期三）上午，国务院新闻办公室举行新闻发布会，请财政部副部长廖 岷和商务部、中国人民银行、金融监管总局有关负责人介绍个人消费贷款贴息政策和服务业经营主体贷 款贴息政策有关情况，并答记者问。 财政部金融司司长于红介绍，总体来看，这两项贴息政策涉及的侧重点都是广覆盖、低门槛，也没有设 置复杂的申请程序，尽量让大家做到"省钱又省心"，只需要满足一些基本的、必要的条件，就可享受政 策的支持，确保精准发挥提振消费、扩大内需的政策效果。 首先，居民享受个人消费贷款贴息的条件，核心是要有真实的消费行为。从今年9月开始的一年时间 里，无论是日常生活性的小额消费，还是买车、装修、购置家具家电或手机电脑等较大额度的商品消 费，或者是旅游、养老、生育、教培、医疗等服务消费，只要是在相关机构获得了消费贷款，其中实实 在在花出去用于消费的部分，都可以享受贴息支持，每人单笔消费最高享受的贷款贴息是500元，多笔 消费可以叠加享受。 具体规则：对于单笔5万元以下的消费，按照实际金额计算贴息，多笔叠加以后，在同一家贷款机构最 高可以享受贴息1000元；对于单笔5万元以上的消费，以5万元为上限来计算贴息，也可 ...

Group 1 - The core viewpoint of the article emphasizes the implementation of two loan interest subsidy policies aimed at stimulating consumer activity and enhancing market vitality through coordinated efforts from both supply and demand sides [1] Group 2 - The loan interest subsidy policy for service industry operators focuses on eight consumer-related sectors: catering, accommodation, health, elderly care, childcare, housekeeping, culture, entertainment, tourism, and sports [1] - Banks are encouraged to increase credit investment in these sectors, particularly targeting eligible small and micro enterprises to facilitate financing [1] - A mechanism for coordinating financing support for small and micro enterprises is highlighted, aiming for direct, rapid, and reasonably priced access to credit funds at the grassroots level [1]

近日，财政部等九部门联合印发《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》）。 《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。 《实施方案》规定，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、体育八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发放至 经营主体。三是贷款资金合规用于改善消费基础设施和提升服务供给能力。四是政策到期后，可视实施 效果研究延长政策期限、扩大支持范围。 ...