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]

新华社北京8月12日电（记者申铖）记者12日从财政部了解到，财政部、民政部等九部门印发《服务业 经营主体贷款贴息政策实施方案》，明确对符合条件的8类消费领域服务业经营主体贷款给予财政贴 息。 根据实施方案，同时符合相关条件的贷款可享受贴息政策。相关条件包括，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；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；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等。 贴息标准方面，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。 根据实施方案，中央财政给予贴息的服务业经营主体贷款经办银行为21家全国性银行。符合条件的服务 业经营主体可向所在地相关经办银行提出贷款 ...

Core Viewpoint - The article discusses the implementation plan for the personal consumption loan interest subsidy policy by the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Administration, aimed at stimulating consumer spending through subsidized loans from September 1, 2025, to August 31, 2026 [1] Summary by Relevant Sections - The policy allows residents to enjoy interest subsidies on personal consumption loans used for specific categories of spending, excluding credit card transactions [1] - Eligible consumption areas include single purchases below 50,000 yuan, as well as significant expenditures on household vehicles, education, cultural tourism, home decoration, electronic products, and healthcare [1] - For purchases above 50,000 yuan, the subsidy is capped at the equivalent of 50% of the loan contract interest rate, with a maximum annual subsidy rate of 1% calculated on the actual loan principal used for consumption [1] - The total subsidy limit for each borrower at a single lending institution is set at 3,000 yuan, corresponding to a cumulative eligible consumption amount of 300,000 yuan, with a specific cap of 1,000 yuan for loans below 50,000 yuan [1]

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 ...

Core Insights - The first Northeast Asia International Silver Economy Cooperation Exchange event was held in Shenyang, Liaoning Province, attracting over 400 enterprises and organizations related to elderly care from more than 30 provinces in China and countries like Japan, South Korea, Germany, and the UK [1][3] - A series of high-tech products aimed at improving the quality of life for the elderly were launched during the event [1] - The scale of China's silver economy is estimated to be around 7 trillion yuan, with projections to reach approximately 30 trillion yuan by 2035, indicating a rapid development phase [5][6] Policy and Development - The event saw the release of policies from 16 departments, including the Liaoning Provincial Civil Affairs Department and the Liaoning Provincial Development and Reform Commission, aimed at promoting high-quality development of the silver economy across 11 areas [3] - The State Council's opinion issued in January 2024 emphasizes the need to focus on diverse demands and cultivate potential industries, including innovation in elderly products and the creation of smart health and elderly care new business formats [6] - The growth of the elderly care market reflects the significant potential of the silver economy, transitioning from mere "elderly care" to "enjoying elderly life," thus opening new economic opportunities [6]

Core Viewpoint - The Financial Regulatory Bureau has issued a notice to regulate major equity investments by insurance funds in unlisted companies, optimizing the scope of investment activities [1] Group 1: Investment Scope - Insurance groups and companies can invest in both insurance-related and non-insurance financial enterprises, as well as sectors related to insurance business such as elderly care, healthcare, automotive services, technology, big data, and modern agriculture [1] Group 2: Management and Compliance - Insurance institutions are required to enhance overall management of invested enterprises, establish sound decision-making processes and authorization management mechanisms, and strengthen internal control management to ensure accountability [1] Group 3: Transition Period - A five-year transition period is set for existing businesses that do not comply with the new requirements, during which insurance institutions must develop and implement rectification plans after regulatory approval [1] Group 4: Risk Assessment - The Financial Regulatory Bureau stated that the risks associated with major equity investments by insurance funds are generally controllable, highlighting positive outcomes in achieving industrial synergy, resource sharing, and enhancing professional operational capabilities [1]

近日，泰康之家.冀园体验馆在石家庄正式对外开放。泰康之家.冀园是泰康保险集团在河北打造的大规 模、全功能、高品质的连锁医养社区，冀园体验馆的开放标志着泰康之家享老生活方式已在石家庄登 场，为京津冀养老事业发展注入新动能。 泰康保险集团管委会成员、泰康之家首席执行官邱建伟表示，泰康之家.冀园是泰康保险集团在河北打 造的高品质医养融合养老社区，希望冀园筹备和建设团队再接再厉，加快推进园区建设，早日服务河北 人民，让冀园成为石家庄又一张靓丽的城市名片。 泰康人寿河北分公司总经理孙超表示，历经多年积累，泰康走出了一条保险+医养的创新之路。泰康之 家更是国内养老行业的先行者，医养融合模式的开创者，高品质连锁养老服务的提供者。泰康之家.冀 园将以匠心打造适老化空间，以仁心构建医养融合体系，以恒心培育文化养老生态，未来也将成为老有 所养、老有所乐的河北样板。 为满足不同长辈的多样化养老需求，泰康之家.冀园充分吸收泰康之家全国成熟的标准化运营服务经 验，为居民提供独立生活、协助生活、专业护理、记忆照护等一站式养老服务，打造"温馨的家、开放 的大学、优雅的活力中心、高品质的医疗保健中心、长辈精神和心灵的家园"五位一体的"享老" ...

某养老项目欲落地在某旅游区内，项目处于立项阶段，当地自然资源主管部门已经核发了预审和选 址意见书，但尚未办理土地供应（划拨或者出让）手续。后当地政府考虑到地方发展，欲引入一所大 学，准备修改国土空间规划，将该地块规划用途改为教育用地。项目方不服，欲向政府要求索赔。笔者 认为，对于项目方是否有权索赔，应从其是否取得土地权利进行具体分析。 0 1 用地预审并未赋予相对人用地权利 用地预审属于行政审查。用地预审是指自然资源主管部门在建设项目审批、核准、备案阶段，依法 对建设项目涉及的土地利用事项进行的审查，其依据的是土地管理法。建设项目可行性研究论证时，自 然资源主管部门可以根据土地利用总体规划、土地利用年度计划和建设用地标准，对建设用地有关事项 进行审查，并提出意见。审查的内容主要是对是否符合土地利用总体规划和供地政策、用地标准、占用 耕地（含永久基本农田）和计划用地指标的审查。行政许可是指行政机关根据公民、法人或者其他组织 的申请，经依法审查，准予其从事特定活动的行为。该项审查并未许可或者赋予相对人从事特定活动权 利或者赋予其特定的权利，不符合行政许可的概念，实际上应该是一种行政审批或者审查。 《国务院关于深化 ...

Core Viewpoint - The "silver economy" in China, while significant in terms of population size and potential market value, is fundamentally limited by the low consumption capacity and economic power of the elderly population, leading to a market characterized by low-end products and services rather than high-quality offerings [6][10][24]. Group 1: Overview of the Silver Economy - Since the millennium, China's aging population has increased, with the elderly population expected to reach 310 million by 2024, accounting for 22.1% of the total population [7]. - The annual output value of China's silver economy is approximately 7 trillion yuan, representing only 5% of GDP and 12.5% of total consumption, indicating a low consumption capacity compared to other age groups [7][10]. - The consumption focus of the elderly is primarily on basic needs such as healthcare and social leisure, with limited options compared to younger demographics [7][8]. Group 2: Economic Conditions of the Elderly - The average annual income for elderly individuals in China was 32,027.4 yuan in 2021, with significant disparities between urban (47,270.8 yuan) and rural (14,105.4 yuan) populations [12][14]. - The income distribution among urban elderly is highly unequal, with a small percentage of wealthy individuals and a majority living below the average income level, limiting their consumption potential [14]. - The average savings for individuals over 50 is 186,000 yuan, but these savings are often reserved for emergencies rather than discretionary spending [14]. Group 3: Consumption Behavior and Market Dynamics - Many elderly individuals exhibit high price sensitivity, leading them to favor low-cost travel packages and products, often at the expense of quality [18][19]. - The prevalence of low-priced travel groups highlights a market that caters to the elderly's limited economic power and consumption habits, resulting in a cycle of low-quality offerings [16][21]. - Elderly consumers often rationalize their spending on low-quality products due to ingrained consumption habits from times of scarcity, leading to a disconnect between their economic reality and market offerings [22][24]. Group 4: Implications for the Silver Economy - The structural issues within the silver economy, including low-quality services and products, suggest that it cannot effectively address broader economic challenges related to domestic demand [24]. - The focus should shift from high-income elderly individuals to addressing the needs of low-income seniors who lack the economic knowledge and resources to navigate the market effectively [24].