消费贷款领域的"国补"来了 财政部副部长廖岷表示，这两项贴息政策，有人称之为消费贷款领域的"国补"，是非常形象的。 廖岷称，个人消费贷款贴息政策直接惠及广大人民群众。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方面，廖岷称，政策聚焦餐饮住宿、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是100万元，单户享受贴息最高1万元。" "为扩大政策覆盖面，两项贴息政策设计上充分体现了普惠性，全面覆盖居民日常消费和各类群体，满 足人民群众多元化、多层次的消费需求。"廖岷说。 新华社北京8月13日电 题：财政金融协同发力 更好激发消费潜力——四部门详解两项贴息政策 新华社记者申铖、吴雨 日前，财政部等部门对外发布了《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》。 这两项贴息政策 ...

证券之星消息，8月13日体育板块较上一交易日上涨0.16%，中体产业领涨。当日上证指数报收于 3683.46，上涨0.48%。深证成指报收于11551.36，上涨1.76%。体育板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | --- | | 600158 | 中体产业 | 69'8 | 0.35% | | 18.45万 | | 1.60亿 | | 002858 | 力盛体育 | 13.93 | -0.57% | | 6.71万 | | 9373.04万 | 从资金流向上来看，当日体育板块主力资金净流入594.94万元，游资资金净流入1059.05万元，散户资金 净流出1653.99万元。体育板块个股资金流向见下表： | | | | 代码 名称 主力净流入 (元) 主力净占比 游资净流入 (元) 游资净占比 散户净占比 | | | | | --- | --- | --- | --- | --- | --- | --- | | 600158 中体产业 | 805 ...

近日， 个人消费贷款贴息政策 和服务业经营主体 贷款贴息政策落地。 今天， 国务院新闻办公室举行新闻发布会， 解答了这些热点问题， 一起来了解！ 今天上午10时，国务院新闻办公室举行新闻发布会，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，并答记者 问。 "双贴息"政策期限一年 到期后将视情况研究是否延长？ 如何申请"双贴息"？ 条件有哪些？如何办理？ …… 财政部副部长廖岷介绍，"双贴息"政策期限一年，政策到期后将视情况研究是否延长。 财政部副部长廖岷：消费是经济增长的重要引擎，是畅通国内大循环的关键环节。个人消费贷款财政贴 息政策，直接惠及广大人民群众，是中央财政首次对个人消费贷款进行贴息。 从消费结构看，目前我国服务消费仍具有较大增长潜力，要释放其潜力，需要有高品质的供给，因此， 我们同步实施了服务业经营主体贷款贴息政策。 这两项政策到期后，我们还会开展效果评估，研究视情延长政策期限、扩大支持范围和调整贷款经办范 围。 贴息政策如何享受？ 贴息对象为居民使用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 ...

Core Points - The recently issued personal consumption loan interest subsidy policy and service industry loan interest subsidy policy aim to boost consumption and expand domestic demand with a focus on simplicity and accessibility [1] - The policies are designed to minimize the operational burden on borrowers, with application and review processes handled by lending institutions and local government departments [1] Personal Consumption Loan Subsidy - To qualify for the personal consumption loan subsidy, borrowers must demonstrate genuine consumption behavior, with a maximum subsidy of 500 yuan per individual loan [2][3] - The subsidy applies to various consumption activities, including daily small purchases, larger items like cars and home renovations, and services such as travel and healthcare [2] - The subsidy is calculated based on the actual consumption amount and is directly deducted from the interest payments, allowing borrowers to receive notifications through SMS or mobile apps [2][3] Service Industry Loan Subsidy - Service industry entities can receive loan subsidies if the funds are used for operational activities, covering sectors like dining, healthcare, and tourism [4][5] - The subsidy is automatically applied without a separate application process, with banks returning the subsidy amount to the borrowers after receiving funds from the government [4][5] - The funds must be used for legitimate business activities, and any misuse for investment or arbitrage will disqualify the borrower from receiving the subsidy [6] Regulatory Oversight - Financial regulatory authorities are tasked with ensuring that lending institutions effectively manage and monitor the use of loan funds to prevent misuse [6] - The Ministry of Commerce will collaborate with the Ministry of Finance to oversee the implementation of the policies and ensure that eligible entities benefit from the subsidies [6]

Core Insights - The Ministry of Finance and nine other departments have issued a loan interest subsidy policy aimed at supporting service industry operators in eight specific sectors [1] Group 1: Policy Details - The sectors eligible for the subsidy include catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1] - The subsidy will cover a maximum loan amount of 1 million yuan per entity, with a subsidy rate of 1% per annum for a maximum period of one year [1] - The central and provincial finances will bear 90% and 10% of the subsidy funds, respectively [1] Group 2: Usage Restrictions - Loan funds must be used for compliant business activities, enhancing service supply capabilities, and improving consumer infrastructure [1] - Strict prohibitions are in place against misreporting, fraudulent claims, misappropriation, or diversion of loan funds [1] - The use of loan funds for real estate development, investment, or financial speculation is explicitly forbidden [1]

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，也可以多笔叠加，加上小额消费的贴息以后，在同一家贷款机构最高可享受贴息是3000元。这里还是要说 明一点，个人消费贷款贴息政策支持的是消费者合理的借贷需求和真实的消费行为，如果借款人使用个人消费贷款用于一些非消费领域，或是 其他违规套利行为，这不属于政策的支持范围，将无法取得贴息资金。 对于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。对于餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、 体育这八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。 财政部金融司司长于红称，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。 商务部：支 ...

新华社音视频部制作 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。财政部副部长廖岷表示，财政部同步实施了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。 ...

Core Viewpoint - The central government has introduced personal consumption loan interest subsidies and service industry loan interest subsidies for the first time, aimed at boosting consumer spending and supporting the service sector [1][2]. Group 1: Personal Consumption Loan Subsidy - The subsidy targets personal consumption loans used by residents, covering both small daily expenses (below 50,000 yuan) and larger purchases such as home appliances, vehicles, and education [1]. - The interest subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rates, with a policy implementation period of one year [1]. - The policy supports both goods and service consumption, aligning with the diversified consumption trends of residents [1]. Group 2: Service Industry Loan Subsidy - The subsidy focuses on loans to service industry operators in key consumption sectors such as dining, health, elderly care, childcare, home services, culture, entertainment, tourism, and sports [2]. - The interest subsidy rate is also 1 percentage point, applicable for one year, with a maximum loan size of 1 million yuan per entity and a maximum subsidy of 10,000 yuan per entity [2]. - After the policy period, evaluations will be conducted to assess effectiveness, with potential extensions or expansions of support [2].

2025.08.13 本文字数：2393，阅读时长大约4分钟 作者 |第一财经 漆辛夷 不断加大财政、金融配合 放大公共年年度的内 这两年不断加大财政和金融的配合,以放大 公共资金的乘数效应,扩大政策覆盖面。 本次推出的个人消费贷款贴息和服务业经 营主体贷款贴息就是财政、金融配合的具 体措施之一,目的是通过进一步降低居民 和经营主体信贷成本,在保障和改善民生 同时,提振消费、畅通经济循环。 "双贴息"政策期限一年 到期后将视情况研究是否延长 聚焦8类消费行业 加大信贷投放力度 经办银行要聚焦餐饮住宿、健康、养老、托 育、家政、文化娱乐、旅游、体育等这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。 两项政策到期后,会开展效果评估,研究 视情延长政策期限、扩大支持范围和调整 贷款经办范围。 1元贴息资金可能带动 100元贷款资金 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。 如果按照1%的贴息比例,意味着1块钱的 贴息资金,有可能带动100块钱的贷款资 金用于居民消费,或者是 ...

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies aims to stimulate consumer spending and support the service industry, thereby enhancing economic circulation and improving people's livelihoods [1][2]. Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan interest subsidy policy is the first of its kind from the central government, directly benefiting the public [1][2]. - The subsidy applies to loans used for various consumer purposes, including daily expenses under 50,000 yuan and larger purchases like cars and home renovations, with a subsidy rate of 1 percentage point [2][5]. - The policy is effective for one year, allowing individuals to receive a maximum subsidy of 500 yuan per loan, with the potential to aggregate multiple loans for a total of up to 3,000 yuan [5][7]. Group 2: Service Industry Loan Subsidy Policy - The service industry loan interest subsidy policy targets loans to service sector businesses in key areas such as dining, health, and tourism, with a similar subsidy rate of 1 percentage point [2][6]. - Each service entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, applicable for one year [2][6]. - The policy is designed to be straightforward, with the application and approval processes managed by lending institutions and local government departments to minimize borrower burden [8]. Group 3: Application Process and Implementation - Borrowers need to authorize lending institutions to access transaction information to qualify for the subsidy, which simplifies the process [6][8]. - For personal loans, the lending institution will directly deduct the subsidy from the interest payments, allowing borrowers to be informed of their subsidy status through various communication methods [6][8]. - The service industry can expect a similar process, where banks will return the subsidy amount to businesses after receiving funds from the government [7][8].