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。 ...

Group 1 - The article emphasizes the implementation of personal consumption loan interest subsidy policies to stimulate domestic demand and consumption, targeting both demand and supply sides [1][2] - The interest subsidy rate for consumer loans is set at 1%, applicable to various consumption categories including household appliances, automobiles, education, and healthcare, with a maximum loan amount of 1 million yuan for service industry entities [1][2] - The policies aim to support service consumption, as the government has allocated 300 billion yuan for consumption upgrades, indicating a strong focus on enhancing consumer spending [1][2] Group 2 - The Central Political Bureau meeting highlighted the need to effectively release internal demand potential and cultivate new growth points in service consumption while utilizing structural monetary policy tools [2] - The article notes that while price tools can stimulate short-term consumption, sustainable growth in consumption relies on increasing disposable income and wealth effects, necessitating stronger economic growth [2][3] - The current middle-income group in China has surpassed 400 million, providing a significant impetus for the "consumption upgrade - industrial upgrade - consumption expansion" cycle, although supply-side constraints remain [2][3] Group 3 - Industrial upgrades are often driven by technological advancements, but intense competition can lead to price wars that undermine profit margins, necessitating a focus on high-quality supply development [3] - The article advocates for reducing "involution" competition and encouraging long-term brand building, quality products, and innovation to meet the demands of the middle-income group [3] - The goal is to create more middle-income individuals through high-quality supply, thereby facilitating a smoother economic cycle driven by consumption [3]

Group 1 - The Ministry of Finance announced a loan interest subsidy policy for service industry operators to stimulate consumption and expand domestic demand, as part of the government's broader economic strategy [1][2] - The policy aims to lower financing costs for service industry operators, thereby enhancing consumer potential and market vitality [1][2] Group 2 - The subsidy applies to loans issued by banks to eight specific service sectors, including catering, health, and tourism, with contracts signed between March 16, 2025, and December 31, 2025 [2] - The policy is designed to improve consumption infrastructure and service supply capabilities, with potential for extension based on its effectiveness [2] Group 3 - The subsidy standard includes a maximum loan amount of 1 million yuan per entity, with a one-year subsidy period at a rate of 1% [3] - The central and provincial finances will cover 90% and 10% of the subsidy, respectively, which is expected to significantly reduce financing costs for eligible operators [3] - This initiative is anticipated to enhance service quality and competitiveness in the industry, ultimately contributing to high-quality development [3]

Group 1 - The core viewpoint of the news is the introduction of two loan interest subsidy policies aimed at boosting consumption by reducing credit costs for residents and financing costs for service industry operators [1][4] - The policies are designed to stimulate consumer demand and enhance market vitality, addressing the issues of insufficient domestic demand and underutilized consumption potential [2][3] - The government emphasizes the importance of expanding domestic demand and boosting consumption as a key task, with a focus on improving consumer capacity and willingness through various financial and policy measures [3][4] Group 2 - The subsidy policies target key areas of personal consumption such as household vehicles, education, and cultural tourism, aiming to lower actual interest rates and alleviate consumer spending pressure [4] - For service industry operators, the policies provide interest subsidies to sectors like catering, health, and childcare, encouraging them to expand operations and increase service supply [4] - The ongoing development of service consumption and new consumption patterns indicates a vibrant market that is becoming a driving force for economic growth, supported by a series of integrated policies to boost consumption [4]

本报记者 韩 昱 财政部8月12日发布消息称，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，根据中共中央办公厅、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，财政部、民政部等九部门 制定了《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》），已正式印发。 朱华雷分析，这可显著降低符合条件经营主体的融资成本，有利于企业扩大经营规模。 宋向清表示，此项贷款贴息政策主要针对服务业经营主体，预计可直接降低企业融资成本，缓解中小微 企业现金流压力。同时也有望成为服务业提质增效的"加速器"，推动企业服务升级，提升行业竞争力， 提升消费者的体验，继而为服务业高质量发展奠定基础。 （责任编辑：蔡情） 陕西巨丰投资资讯有限责任公司高级投资顾问朱华雷也告诉《证券日报》记者，消费作为拉动经济增长 的重要引擎，其活力的激发对于经济的稳定发展至关重要。此次政策的出台和实施，旨在通过财政金融 联动的方式降低服务业经营主体 ...

Core Viewpoint - The implementation of loan interest subsidy policies for service industry operators and personal consumption loans aims to alleviate financing pressure and stimulate consumer spending, with the central government covering 90% of the subsidy costs [1][2]. Group 1: Loan Subsidy Policies - The annual interest subsidy rate for both service industry loans and personal consumption loans is set at 1 percentage point, with a maximum subsidy amount of 10,000 yuan per eligible entity [1]. - The subsidy for service industry loans will be available from March 16, 2025, to December 31, 2025, while personal consumption loan subsidies will be implemented by various banks starting September 1, 2025 [1][2]. - The policies are designed to support specific sectors within the service industry, including catering, health, elderly care, childcare, home services, cultural entertainment, tourism, and sports [2]. Group 2: Economic Impact - The subsidy policies are expected to significantly reduce the interest burden on service industry operators, with the average interest rate for new corporate loans around 3.3% [2]. - The policies are aligned with the urgent need for economic recovery and aim to enhance service capacity and infrastructure in the service sector [2]. - The estimated maximum subsidy scale for the specified service sectors could reach 18.2 billion yuan [2]. Group 3: Personal Consumption Loan Details - The personal consumption loan subsidy will cover various consumer needs, including household appliances, education, healthcare, and automotive purchases, with a cumulative subsidy cap of 3,000 yuan per borrower [3]. - The subsidy for individual loans under 50,000 yuan will have a maximum cap of 1,000 yuan, while loans above this amount will be subsidized based on a 50,000 yuan threshold [3]. - The policy aims to lower the actual financing costs for residents, particularly targeting high-frequency consumption areas [3].

Group 1 - The core viewpoint emphasizes the implementation of personal consumption loan interest subsidy policies to stimulate domestic demand and consumption [1][2] - The policy includes a 1% annual interest subsidy for loans used for consumption, covering various categories such as household appliances, automobiles, education, and healthcare [1] - The service industry is a primary focus of the subsidy policy, with a maximum loan amount of 1 million yuan for service providers in sectors like hospitality, healthcare, and entertainment [1] Group 2 - The recent Central Political Bureau meeting highlighted the need to effectively release domestic demand potential and cultivate new growth points in service consumption [2] - Structural monetary policy tools are being utilized to support consumption and reduce overall financing costs, indicating a reliance on fiscal and financial measures to stimulate spending [2] - The growth of disposable income is crucial for sustainable consumption growth, necessitating stronger economic performance to drive consumer spending [2] Group 3 - Industrial upgrading is often driven by technological advancements, which can enhance profit margins and increase purchasing power, thereby expanding consumption [3] - There is a need to address "involution" in competition, encouraging companies to focus on long-term brand building and high-quality supply to meet the demands of the middle-income group [3] - The goal is to create more middle-income individuals through technological and brand advancements, facilitating a cycle of consumption that supports economic growth [3]