个人贷款进行消费，利息有补贴了！ 财政部、中国人民银行、金融监管总局近日印发《个人消费贷款财政贴息政策实施方案》（下称"实施 方案"），明确2025年9月1日至2026年8月31日期间，居民个人使用贷款经办机构发放的个人消费贷款 （不含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放账户等识别借款人相关消费交易 信息的部分，可按规定享受贴息政策。 个人消费贷款贴息政策的贷款经办机构，包括18家全国性商业银行、4家消费金融公司和1家民营银行。 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（对 应符合条件的累计消费金额30万元），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（对应符合条件的累计消费金额10万元）。 在受访专家看来，个人消费贷款贴息政策是一项创新举措，由23家金融机构执行落实消费贷款贴息政 策，有助于贴息政策在短期内快速惠及居民，将直接降低居民消费信贷成本，提高居民运用金融杠杆扩 大消费、改善生活的意愿和能力，进一步助力提振消费、扩大内需，有助于提振信心和预期，促进经济 高质量发展。 个人消费贷贴息范围和标准 ...

Group 1 - The company announced the implementation of personal consumption loan interest subsidy policies to reduce consumer credit costs and stimulate market potential [1] - The company is in the process of developing operational guidelines and implementation details for the subsidy program, which will be communicated through official channels [1] - The company emphasizes that it will not charge any fees for the loan subsidy services and warns against potential fraud related to these services [1]

Core Viewpoint - The implementation of two significant financial policies aimed at boosting consumption has been announced, marking the start of a comprehensive approach to support both service industry operators and individual consumers [1] Group 1: Policy Implementation - On August 12, nine government departments, including the Ministry of Finance and the Ministry of Human Resources and Social Security, jointly released the "Implementation Plan for Loan Interest Subsidy Policy for Service Industry Operators" [1] - The same day, the Ministry of Finance, the People's Bank of China, and the Financial Regulatory Bureau issued the "Implementation Plan for Fiscal Interest Subsidy Policy for Personal Consumption Loans" [1] - These measures signify a coordinated effort to stimulate consumption through financial support [1] Group 2: Industry Response - On August 13, a representative from Ant Consumer Finance stated that the company will actively implement the policy requirements [1] - The company plans to focus on various aspects such as consumption scenarios, risk control, customer service, and marketing to effectively utilize the fiscal interest subsidy policy [1] - The goal is to benefit more consumers and business operators, thereby contributing to the activation and promotion of consumption potential through high-quality financial services [1]

（文章来源：北京商报） 8月13日，中银消费金融有限公司发布关于落实个人消费贷款财政贴息工作的公告，为深入贯彻落实党 中央、国务院决策部署，助力扩内需促消费，中银消费金融将积极落实并严格执行《关于印发<个人消 费贷款财政贴息政策实施方案>的通知》（财金［2025］80号），确保财政贴息的政策精准直达消费 者，进一步释放消费潜力。公司将遵循市场化、法治化原则，推动政策落地实施。具体操作指引等实施 细则后续将通过官网、中银消费金融app、中银消费金融官微等渠道公布 ...

Core Viewpoint - The company is actively implementing a personal consumption loan interest subsidy policy to reduce consumer credit costs and stimulate market potential in response to government directives [1] Group 1: Policy Implementation - The company is following the guidelines of the "Implementation Plan for Fiscal Interest Subsidy Policy on Personal Consumption Loans" issued by the government [1] - The company is in the process of developing operational guidelines and implementation details for the subsidy policy [1] Group 2: Consumer Protection - The company emphasizes that it will not charge any fees for processing loan interest subsidies [1] - The company warns consumers to be cautious of potential scams related to loan interest subsidies and advises against trusting unsolicited communications from unofficial sources [1]

北京商报讯（记者 刘四红）8月13日，招联消费金融股份有限公司发布关于个人消费贷款贴息工作的公 告，为贯彻落实党中央、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，降低居民消费信 贷成本，助力释放居民消费潜力，公司根据《关于印发<个人消费贷款财政贴息政策实施方案>的通 知》（财金〔2025〕80号）精神及相关要求，依法依规积极推进个人消费贷款贴息相关工作，助力激发 消费市场活力。 招联消费金融回应北京商报记者，作为首批入选《个人消费贷款财政贴息政策实施方案》的贷款经办机 构，将积极响应国家"国补"政策号召，全力推进个人消费贷款贴息政策落地。公司将依托数智化优势， 优化服务流程，简化办理手续，确保政策红利快速直达消费者。同时，强化风险管控，保障资金合规使 用，提升财政资金使用效率，切实发挥金融对消费的提振作用。 公司将按照市场化、法治化原则，优化办理流程，推动政策尽快实施。具体操作指引等实施细则后续将 通过官方网站、App、微信公众号等渠道发布。 ...

北京商报讯（记者 刘四红）8月13日， 中银消费金融有限公司发布关于落实个人消费贷款财政贴息工作 的公告，为深入贯彻落实党中央、国务院决策部署，助力扩内需促消费，中银消费金融将积极落实并严 格执行《关于印发＜个人消费贷款财政贴息政策实施方案>的通知》（财金［2025］80号），确保财政 贴息的政策精准直达消费者，进一步释放消费潜力。公司将遵循市场化、法治化原则，推动政策落地实 施。具体操作指引等实施细则后续将通过官网、中银消费金融App、中银消费金融官微等渠道公布。 ...

方案出台刺激消费，利好消费信贷及保险 [Table_Industry] 综合金融 ——《个人消费贷款财政贴息政策实施方案》点评 | [姓名table_Authors] | 电话 | 邮箱 | 登记编号 | | --- | --- | --- | --- | | 刘欣琦(分析师) | 021-38676647 | liuxinqi@gtht.com | S0880515050001 | | 孙坤(分析师) | 021-38038260 | sunkun@gtht.com | S0880523030001 | 《个人消费贷款财政贴息政策实施方案》出台，有利于消费需求改善，贴息政策反 映利率下行趋势或低于预期，利好消费金融和保险板块。 投资要点： [Table_Report] 相关报告 综合金融《配置的利器:ETF 的战略角色》 2025.08.12 综合金融《利率波动下"类固收"产品崛起》 2025.08.12 综合金融《华电新能等重要项目落地，IPO 逐步 回暖》2025.08.12 综合金融《GPT5 发布，人工智能文件落地推动 行业发展》2025.08.10 综合金融《监管细则落地，稳定币申牌在即》 202 ...

Core Viewpoint - The article discusses the controversial practices surrounding the "Orange Installment" program by Chinese telecom operators, highlighting consumer complaints about deceptive sales tactics that bind customers to long-term loans disguised as promotional offers [1][2][12]. Group 1: Consumer Experiences - Many consumers, including a comic artist, reported being misled into signing contracts for installment loans under the guise of receiving free electronic products [1][4]. - Complaints about the "Orange Installment" program have surged, with 5,850 complaints reported by Black Cat Complaints as of August 5 [1]. - Consumers often receive unsolicited calls from individuals claiming to be telecom employees, leading to confusion and unintentional contract signings [1][10]. Group 2: Sales Practices - Telecom sales representatives frequently use phrases like "free gift" or "0 yuan purchase" without clearly disclosing the installment nature of the agreements [11][12]. - The pressure on sales staff to meet performance targets leads to a lack of transparency in explaining the financial implications of the contracts [11][12]. - The sales process often involves misleading tactics, such as emphasizing that the agreement is not a loan, which confuses consumers [10][11]. Group 3: Regulatory Challenges - The regulatory environment complicates oversight, as telecom operators and financial institutions fall under different regulatory bodies, making it difficult to enforce compliance [1][15]. - Experts suggest that a joint effort between financial and market regulators is necessary to address the issues stemming from the collaboration between telecom operators and financial institutions [2][15]. - The article emphasizes the need for clearer communication and better regulatory frameworks to protect consumers from deceptive practices [15][17]. Group 4: Financial Implications - The "Orange Installment" program ties monthly phone bills to loan repayments, creating a risk of negative credit impacts if payments are missed [12][13]. - Consumers may face significant financial consequences, including potential damage to their credit scores, if they fail to meet payment obligations [13][17]. - The article highlights the importance of consumer education regarding financial products to mitigate misunderstandings and potential exploitation [10][17].

Core Viewpoint - The article discusses the implementation of the "Personal Consumption Loan Financial Subsidy Policy" aimed at boosting consumer spending and expanding domestic demand, which is crucial for economic growth and improving people's livelihoods [2][3]. Group 1: Background and Importance - Consumption is a key driver of economic growth and is essential for enhancing people's well-being and meeting their growing needs [2]. - The central government has emphasized the importance of boosting consumption in recent economic meetings and reports, highlighting it as a vital measure for economic stability and growth [3]. Group 2: Policy Features - The policy directly benefits individual consumers by reducing the cost of personal consumption loans, contrasting with previous policies that focused on investment and supply [4]. - It addresses actual consumer needs by covering a wide range of daily expenses and significant investments in areas such as automobiles, education, and healthcare [4]. - The policy operates under market-oriented and legal principles, ensuring responsible lending practices and preventing misuse of funds [5]. Group 3: Key Policy Details - The subsidy applies to personal consumption loans used for actual consumption, including amounts below and above 50,000 yuan for specific categories [6]. - The subsidy rate is set at an annualized 1%, significantly lower than current commercial loan rates, making it more accessible for consumers [7]. - The policy will be in effect for one year, from September 1, 2025, to August 31, 2026, with potential for extension based on its effectiveness [7]. Group 4: Implementation Process - Borrowers will have minimal operational burdens, as the loan institutions and government will handle most processes related to subsidy calculation and application [8]. - The policy includes a comprehensive review mechanism to ensure that funds are used appropriately for consumer support [10]. - Coordination among various government departments is emphasized to ensure effective implementation and monitoring of the policy [11].