Core Viewpoint - The Ministry of Finance has announced a loan interest subsidy policy aimed at boosting consumption and expanding domestic demand, which is part of a broader initiative to stimulate the economy and enhance service sector capabilities [1][2]. Group 1: Policy Implementation - The implementation plan specifies that loans issued to service industry entities in eight sectors, including catering, health, and tourism, will be eligible for interest subsidies [2]. - Loans must be contracted between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and service supply capabilities [2]. - The policy may be extended or expanded based on its effectiveness after the initial term [2]. Group 2: Economic Impact - The loan interest subsidy policy is seen as a crucial measure to balance short-term economic stimulation with long-term structural optimization [2]. - The policy aims to lower financing costs for service industry entities, thereby enhancing consumer spending potential and promoting economic growth [2][3]. - It is expected to directly reduce financing costs for eligible businesses, alleviating cash flow pressures for small and medium-sized enterprises [3]. Group 3: Financial Details - The subsidy will cover up to 1% of the loan principal for a maximum period of one year, with the central and provincial finances sharing the subsidy costs at 90% and 10%, respectively [3]. - Each eligible entity can receive subsidies for loans up to 1 million yuan, which can include both fixed asset loans and working capital loans [3]. - The policy prohibits double-dipping on subsidies from other central or local financial programs [3].

8月12日，财政部等九部门联合发布《服务业经营主体贷款贴息政策实施方案》（下称《实施方 案》），对符合条件的服务业经营主体给予年贴息比例1个百分点、贴息期限不超过1年的财政贴息支 持，单户享受的最高贴息金额1万元。 支持范围为餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育等8类消费领域的服务业经营 主体贷款。同时要求，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。 财政部有关负责人就《实施方案》答记者问，指出服务业经营主体大多为中小企业和个体工商户，他们 一头连着从业者的生计，一头连着居民的生活，可持续经营普遍受到信贷支持规模、融资成本、现金流 稳定性等因素的影响。财政部牵头实施服务业经营主体贷款贴息政策，旨在通过"四两拨千斤"的杠杆效 应，为广大服务业经营主体提供更多低成本金融资源支持，助力进一步疏通实体经济"毛细血管"。 年贴息比例为1个百分点 记者注意到，享受贴息政策的贷款期限条件为，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的，按照贷款本金对经营主体 进行贴息。 在政策实施上，财政部有关负责人提出简化流 ...

Core Viewpoint - The Ministry of Finance, in collaboration with several other departments, has issued a loan interest subsidy policy aimed at boosting consumption and supporting service industry operators, reflecting the government's commitment to enhance domestic demand and economic stability [1][2]. Group 1: Background and Rationale - The issuance of the loan interest subsidy policy is part of a broader strategy to stimulate consumption and improve investment efficiency, as highlighted in the 2024 Central Economic Work Conference and the 2025 Government Work Report [2]. - The policy aims to address the imbalance in supply and demand, as consumer recovery faces challenges despite recent efforts to expand domestic demand [2][3]. - There is a growing demand from the public for higher quality service consumption, with service consumption expenditure reaching 46.1% of per capita spending in 2024, indicating a shift from goods to services [3]. Group 2: Policy Implementation Requirements - The policy emphasizes government guidance and provincial coordination, requiring local governments to establish mechanisms for effective implementation [4]. - It promotes market operations and self-audit for loan approvals, allowing banks to independently assess and grant loans to eligible service industry operators [5]. - The policy outlines a need for precise strategies and efficient operations, simplifying the interest subsidy process to enhance financial support for service industry operators [5][6]. Group 3: Eligibility and Conditions - Eligible service industry operators can receive a subsidy of 1% on loans for a maximum term of one year, with a cap of 10,000 yuan per entity [7]. - The subsidy applies to various service sectors, including hospitality, healthcare, and cultural services, with loans needing to be used for improving service infrastructure [7]. - The policy specifies that loans must be contracted between March 16, 2025, and December 31, 2025, to qualify for the subsidy [7]. Group 4: Workflow and Management - The policy follows a structured workflow for loan approval and subsidy disbursement, involving multiple steps from loan application to fund settlement [8][9]. - The process includes regular audits and timely requests for subsidy funds from provincial finance departments to ensure efficient fund allocation [9]. - The policy aims to streamline procedures, allowing service operators to benefit from lower interest rates without extensive application processes [11]. Group 5: Accountability and Monitoring - The policy assigns clear responsibilities to banks, industry regulators, and financial departments to ensure compliance and effective use of funds [12]. - It prohibits the use of loan funds for real estate or speculative investments, ensuring that subsidies support legitimate service industry activities [12]. - Continuous monitoring and enforcement mechanisms are established to recover funds in case of policy violations, ensuring the integrity of the subsidy program [12].

每经AI快讯，8月12日，财政部有关负责人就《服务业经营主体贷款贴息政策实施方案》答记者问。 《方案》对符合条件的服务业经营主体给予年贴息比例1个百分点、贴息期限不超过1年的财政贴息支 持，单户享受的最高贴息金额1万元，具体条件如下：一是支持范围。餐饮住宿、健康、养老、托育、 家政、文化娱乐、旅游、体育等8类消费领域的服务业经营主体贷款，可享受贴息支持。二是期限条 件。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的，按照贷款本金对经营主体进行贴息。三是资金用途。服务业经营主体 贷款需合规用于改善消费基础设施、提升服务供给能力。 ...

财政部等九部门印发《服务业经营主体贷款贴息政策实施方案》，具体内容如下。 服务业经营主体贷款贴息政策实施方案 为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，根据中央办公厅、国 务院办公厅印发的《提振消费专项行动方案》关于2025年对符合条件的消费领域服务业经营主体贷款给 予财政贴息的要求，充分发挥财政政策引导带动作用，推动降低服务业经营主体融资成本，助力激发消 费市场活力，以高质量供给创造有效需求，制定本实施方案。 一、政策内容 （一）支持范围。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8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。其中：餐饮住宿、托育、家 政、文化娱乐、体育领域对应《国民经济行业分类》中"住宿和餐饮业"、"居民服务、修理和其他服务 业"、"文化、体育和娱乐业"行业类别；旅游、健康领域对应《国家旅游及相关产业统计分类 （2 ...

Core Points - The Ministry of Finance announced a loan interest subsidy policy to stimulate consumption and expand domestic demand, in line with the central government's directives [1] - The policy aims to reduce financing costs for service industry operators and enhance market vitality through high-quality supply [1] Summary by Sections Support Scope - The subsidy applies to loans issued by banks to eight service sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [2] - Loans must be signed between March 16, 2025, and December 31, 2025, and funds must be used to improve consumption infrastructure and enhance service supply capabilities [2] - Eligible operators include individuals, legal entities, and non-legal entities engaged in profit-making activities within China [2] - The policy may be extended or expanded based on its effectiveness after the initial term [2] Subsidy Standards - The subsidy covers loans issued to service industry operators, with a maximum interest subsidy period of one year and an annual subsidy rate of 1% [3] - The central and provincial finances will bear 90% and 10% of the subsidy costs, respectively [3] - The maximum loan amount eligible for the subsidy is 1 million yuan, and the loans must not overlap with other central or local subsidy policies [3]

Core Points - The Ministry of Finance and nine other departments issued the "Implementation Plan for Loan Interest Subsidy Policy for Service Industry Operating Entities" [1] - The policy aims to support service industry entities by providing interest subsidies on loans issued by banks [1] Group 1: Loan Subsidy Details - The subsidy covers loans issued to service industry entities, with a maximum interest subsidy rate of 1% per year for a period not exceeding one year [1] - The maximum loan amount eligible for the subsidy is 1 million yuan per entity [1] - The subsidy applies to fixed asset loans for improving consumption infrastructure and working capital loans for enhancing service supply capacity [1] Group 2: Eligibility Criteria - Eligible entities include those in eight service sectors: catering, accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [2] - Loans must be contracted between March 16, 2025, and December 31, 2025, with funds disbursed to the operating entities [2] - Loan funds must be used for compliant activities aimed at improving consumption infrastructure and service supply capacity [3] Group 3: Compliance and Oversight - The policy emphasizes strict control over fund allocation, prohibiting misuse of loan funds for real estate development or speculative investments [4] - Banks must ensure compliance with relevant audits and checks when applying for subsidy funds [4] - The policy may be extended or expanded based on its implementation effectiveness after the initial term [4]

Core Points - The Ministry of Finance and eight other departments have issued a loan interest subsidy policy for service industry operators in eight consumer sectors [1][2] - The subsidy applies to loans issued from March 16, 2025, to December 31, 2025, for improving consumption infrastructure and enhancing service supply capacity [1] - The subsidy standard is set at 1% per annum for a maximum loan amount of 1 million yuan per entity, with the central and provincial finances covering 90% and 10% of the subsidy, respectively [1] Summary by Sections Policy Implementation - The policy aims to support service industry operators in sectors such as catering, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports [1] - Eligible service industry operators can apply for loans from 21 designated national banks, which will assess applications based on market-oriented and legal principles [2] Loan Conditions - Loans must be used for specific purposes, including improving consumption infrastructure and enhancing service supply capabilities [1] - Banks are required to sign loan contracts with eligible operators, detailing the conditions for subsidy eligibility, loan usage, and post-loan management [2]

财政部 民政部 人力资源社会保障部 商务部 文化和旅游部 国家卫生健康委 中国人民银行 金融监管总局 体育总局关于印发 《服务业经营主体贷款贴息政策实施方案》的通知 财金〔2025〕81号 各省、自治区、直辖市、计划单列市财政厅（局）、民政厅（局）、人力资源社会保障厅（局）、商务 主管部门、文化和旅游厅（局）、卫生健康委、体育行政部门，新疆生产建设兵团财政局、民政局、人 力资源社会保障局、商务局、文化体育广电和旅游局、卫生健康委，财政部各地监管局，中国人民银行 上海总部及各省、自治区、直辖市、计划单列市分行，金融监管总局各监管局，有关金融机构： 为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，我们研究制定了《服 务业经营主体贷款贴息政策实施方案》，现印发给你们，请认真贯彻落实。 财政部 民政部 人力资源社会保障部 商务部 文化和旅游部 国家卫生健康委 中国人民银行 金融监管总局 体育总局 2025年8月6日 服务业经营主体贷款贴息政策实施方案 为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，根据中央办公厅、国 务院办公厅印发的《提振消费专项行动方案》关于2025 ...

财政部等九部门印发《服务业经营主体贷款贴息政策实施方案》，具体内容如下。 服务业经营主体贷款贴息政策实施方案 为贯彻落实党中央和国务院关于大力提振消费、全方位扩大国内需求的决策部署，根据中央办公厅、国 务院办公厅印发的《提振消费专项行动方案》关于2025年对符合条件的消费领域服务业经营主体贷款给 予财政贴息的要求，充分发挥财政政策引导带动作用，推动降低服务业经营主体融资成本，助力激发消 费市场活力，以高质量供给创造有效需求，制定本实施方案。 一、政策内容 （一）支持范围。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8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。其中：餐饮住宿、托育、家 政、文化娱乐、体育领域对应《国民经济行业分类》中"住宿和餐饮业"、"居民服务、修理和其他服务 业"、"文化、体育和娱乐业"行业类别；旅游、健康领域对应《国家旅游及相关产业统计分类 （2 ...