Core Viewpoint - The "double interest subsidy" policy aims to enhance credit support for eight key consumer sectors, thereby stimulating consumption and improving economic circulation [3][5][9]. Group 1: Policy Overview - The policy includes personal consumption loan interest subsidies and service industry loan interest subsidies, designed to lower credit costs for residents and businesses [5][10]. - The policy will be in effect for one year, with evaluations to determine potential extensions or adjustments based on its effectiveness [7][14]. Group 2: Targeted Sectors - The focus is on eight consumer sectors: catering and accommodation, health, elderly care, childcare, housekeeping, cultural entertainment, tourism, and sports, with an emphasis on small and micro enterprises [6][11]. Group 3: Financial Mechanism - The policy is structured to leverage public funds to attract more financial resources into the consumer sector, with a potential leverage effect of 1:100 for every unit of subsidy [9][13]. - The interest subsidy is intended to support reasonable borrowing needs and genuine consumption behaviors, excluding any non-consumption-related activities [10][15]. Group 4: Implementation and Oversight - Financial regulatory authorities will incorporate the execution of these policies into regular oversight, ensuring that lending institutions adhere to the guidelines and protect borrowers' rights [14][15]. - The policies are designed to be straightforward and accessible, avoiding complex procedures and covering a wide range of consumer scenarios [16].

【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 ...

【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 中国基金报记者 晨曦 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。 图片来源：国新网 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。 来看详情—— 政策期限一年 到期后将视情况研究是否延长 财政部副部长廖岷称，个人消费贷款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。 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 ...

极目新闻记者 曹雪娇 8月12日，财政部联合商务部、中国人民银行、金融监管总局等相关部门发布了《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》。8月13日上午，国新办举行新闻发布会，财政部相关负责人 介绍两项政策的主要内容。 会上，财政部副部长廖岷介绍，个人消费贷款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。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三分之一，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，这符合我国居民目前消费的最新的多元化发展趋势。 发布会现场（图片来源：中国网） 其次，是消费领域的服务业经营主体贷款贴息政策。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 ...

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 ...

《服务业经营主体贷款贴息政策实施方案》明确：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符合相关 条件的贷款可获得财政贴息，贷款资金须用于改善消费基础设施和提升服务供给能力。贴息期限不超过1年，年贴息比例为1个百分点，单户享受贴息的贷款 规模最高可达100万元，相关贷款主要由21家全国性银行发放。专家认为，两项贴息政策从供需两端发力，既降低了居民消费信贷成本，又支持相关行业经 营者改善消费基础设施、提升服务供给能力，有助于提振消费、改善民生，也体现了财政政策"投资于人"的鲜明导向。 贴息按符合条件的实际用于消费的个人消费贷款本金计算，年贴息比例为1个百分点，且最高不超过贷款合同利率的50%。政策执行期内，每名借款人 在一家贷款经办机构可享受的全部个人消费贷款累计贴息上限为3000元，其中在一家贷款经办机构可享受单笔5万元以下的个人消费贷款累计贴息上限为 1000元。贷款主要由6家国有大型商业银行、12家全国性股份制商业银行及5家个人消费贷款发放机构经办，地方财政部门可结合实际对其他经营个人消费贷 款业务的金融机构给予财政贴息支持，以扩大政策覆盖面。 北京国家会计学院副院长 ...

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]

此外，如何保障资金专款专用，而不是被挪用到投资、理财等非消费领域？财政部、央行等各部委的负 责人也会带来权威、详细的解答。 （文章来源：央视新闻） 这两项贴息政策也被业内称作金融"国补"，跟正在进行的以旧换新"国补"相衔接。不难看出，国家正在 通过一系列政策组合拳，来激发消费市场的活力。 个人消费贷和服务业经营贷应该怎么申请？涵盖哪些领域？财政资金如何分配？消费者和市场主体关心 的这些问题，这场发布会应该都会涉及。 今天上午10点，国务院新闻办将举行新闻发布会，财政部、商务部、中国人民银行、金融监管总局有关 负责人，将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。这场发 布会都会聚焦哪些问题？记者带你抢先看。 总台央视记者在现场了解到，今天的发布会将围绕12日下午发布的两项重磅利好政策：个人消费贷贴息 和服务业经营贷贴息。 个人消费贷方面，政策明确：今年将对符合条件的个人消费贷款给予财政贴息。今后我们贷款买 车、买家电等个人消费，国家会补贴一部分贷款利息，额度是1个百分点。 服务业经营贷方面，餐饮住宿、健康、养老等8类消费领域服务业经营主体，今后向银行贷款也能 享受1个百分点的财政 ...

Group 1: US-China Trade Relations - The US and China have agreed to suspend the implementation of a 24% tariff for 90 days, which temporarily stabilizes trade relations and delays uncertainty [2] - Both countries have made efforts to restore normal trade relations, with China agreeing to resume rare earth exports and the US easing semiconductor export controls [2] - The ongoing trade tensions and tariff measures highlight the complexities and uncertainties in US-China trade relations, which are seen as detrimental to both sides [2] Group 2: New Business Entities in China - In the first half of the year, over 13.27 million new business entities were established in China, including 4.62 million new enterprises and 8.63 million individual businesses [3] - The growth of new private and foreign enterprises indicates a positive trend, with private enterprises increasing by 4.6% year-on-year [3] - The service sector, particularly in cultural industries, has shown significant growth, contributing to job creation and economic resilience [3] Group 3: VAT Law Implementation - The Ministry of Finance and the State Taxation Administration have released a draft for the implementation of the VAT Law, which clarifies tax regulations and enhances transparency [4] - The VAT is a major tax source in China, projected to generate approximately 6.57 trillion yuan in 2024, accounting for 38% of total tax revenue [4] - The new regulations aim to provide clearer guidelines for tax rates and improve the accessibility of VAT benefits for various market participants [4] Group 4: Loan Subsidy Policy for Service Industry - A new loan subsidy policy has been introduced to support service industry entities, allowing for a 1% interest subsidy on loans up to 1 million yuan [6] - The policy targets small and micro enterprises in sectors such as hospitality, health, and culture, aiming to enhance their financial support [6] - The initiative is expected to stimulate the service sector, although its overall impact remains to be seen [7] Group 5: Robotics Industry Development in Hangzhou - Hangzhou is drafting regulations to promote the development of the embodied intelligent robotics industry, focusing on a regulatory framework that encourages innovation [8] - The city has over 200 robotics companies and aims to establish a supportive policy environment for high-quality industry growth [8] - The initiative reflects a broader trend of local governments actively fostering technological advancements and economic transformation [9] Group 6: Housing Fund Policy in Suzhou - Suzhou has announced measures to expand the use of housing provident fund loans, including lowering down payment ratios and allowing for more flexible withdrawals [10] - These changes aim to support the local real estate market and alleviate financial pressure on residents [10] - The adjustments are part of a wider trend among cities to enhance the utility of housing funds and stimulate housing demand [10] Group 7: Nvidia's Revenue Sharing Agreement - Nvidia has reportedly agreed to pay 15% of its revenue from H20 chip sales in China to the US government in exchange for export licenses [11] - This unprecedented arrangement raises questions about the implications for market dynamics and the perception of US-China trade policies [11] - The move reflects a shift in the US government's approach to regulating technology exports while seeking to increase government revenue [11] Group 8: Stock Market Performance - The stock market has shown a positive trend, with the Shanghai Composite Index rising by 0.5% and reaching new highs [12] - Despite the overall market growth, there is caution regarding potential corrections and shifts in market focus, particularly in speculative sectors [12] - The performance of semiconductor stocks has been influenced by developments in US-China trade relations, particularly regarding chip exports [12]

为落实大力提振消费、全方位扩大国内需求的部署，多部门共同制定并发布个人消费贷款财 政贴息政策与服务业经营主体贷款贴息政策，分别在需求端与供给端，发挥财政资金对提振 消费的支持引导作用，通过降低居民消费信贷成本释放居民消费潜力。 政策规定，对于实际用于消费的贷款年贴息比例为1个百分点，贴息范围包括单笔5万元以下 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、健康医疗等重点领域消费。对于服务业经营主体的贴息比例同样为1个百分点，单户享 受贴息的贷款规模最高可达100万元，范围主要包括餐饮住宿、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。 显然，此次推出的供需两端财政贴息政策支持主要瞄准了服务业消费。这是因为，今年我国 已经安排3000亿元超长期特别国债资金支持消费品以旧换新，有力促进了上半年的商品消费 增长。此次贷款贴息政策只有时间范围的要求，并没有财政贴息资金的规模限制，应该是多 多益善。 使内需成为拉动经济增长的主动力和稳定锚，唯一的路径是以消费提振畅通经济循环：以消 费升级引领产业升级、以产业升级增加居民收入、以居民收入增长扩大消费。我国目前 ...