新华社音视频部制作 8月13日，国务院新闻办公室举行新闻发布会，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，并答记者问。财政部副部长廖岷表示，财政部同步实施了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。 ...

Core Viewpoint - The central government has introduced personal consumption loan interest subsidies and service industry loan interest subsidies for the first time, aimed at boosting consumer spending and supporting the service sector [1][2]. Group 1: Personal Consumption Loan Subsidy - The subsidy targets personal consumption loans used by residents, covering both small daily expenses (below 50,000 yuan) and larger purchases such as home appliances, vehicles, and education [1]. - The interest subsidy rate is set at 1 percentage point, approximately one-third of the current commercial bank personal consumption loan interest rates, with a policy implementation period of one year [1]. - The policy supports both goods and service consumption, aligning with the diversified consumption trends of residents [1]. Group 2: Service Industry Loan Subsidy - The subsidy focuses on loans to service industry operators in key consumption sectors such as dining, health, elderly care, childcare, home services, culture, entertainment, tourism, and sports [2]. - The interest subsidy rate is also 1 percentage point, applicable for one year, with a maximum loan size of 1 million yuan per entity and a maximum subsidy of 10,000 yuan per entity [2]. - After the policy period, evaluations will be conducted to assess effectiveness, with potential extensions or expansions of support [2].

2025.08.13 本文字数：2393，阅读时长大约4分钟 作者 |第一财经 漆辛夷 不断加大财政、金融配合 放大公共年年度的内 这两年不断加大财政和金融的配合,以放大 公共资金的乘数效应,扩大政策覆盖面。 本次推出的个人消费贷款贴息和服务业经 营主体贷款贴息就是财政、金融配合的具 体措施之一,目的是通过进一步降低居民 和经营主体信贷成本,在保障和改善民生 同时,提振消费、畅通经济循环。 "双贴息"政策期限一年 到期后将视情况研究是否延长 聚焦8类消费行业 加大信贷投放力度 经办银行要聚焦餐饮住宿、健康、养老、托 育、家政、文化娱乐、旅游、体育等这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。 两项政策到期后,会开展效果评估,研究 视情延长政策期限、扩大支持范围和调整 贷款经办范围。 1元贴息资金可能带动 100元贷款资金 与以往直接财政补贴相比,两项贴息政策 的特点是和金融政策协同发力,来发挥公 共资金的引导作用,撬动更多金融活水流 向真正的消费领域,以激发消费潜力,提 升市场的活力。 如果按照1%的贴息比例,意味着1块钱的 贴息资金,有可能带动100块钱的贷款资 金用于居民消费,或者是 ...

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies aims to stimulate consumer spending and support the service industry, thereby enhancing economic circulation and improving people's livelihoods [1][2]. Group 1: Personal Consumption Loan Subsidy Policy - The personal consumption loan interest subsidy policy is the first of its kind from the central government, directly benefiting the public [1][2]. - The subsidy applies to loans used for various consumer purposes, including daily expenses under 50,000 yuan and larger purchases like cars and home renovations, with a subsidy rate of 1 percentage point [2][5]. - The policy is effective for one year, allowing individuals to receive a maximum subsidy of 500 yuan per loan, with the potential to aggregate multiple loans for a total of up to 3,000 yuan [5][7]. Group 2: Service Industry Loan Subsidy Policy - The service industry loan interest subsidy policy targets loans to service sector businesses in key areas such as dining, health, and tourism, with a similar subsidy rate of 1 percentage point [2][6]. - Each service entity can receive a maximum subsidy of 10,000 yuan on loans up to 1 million yuan, applicable for one year [2][6]. - The policy is designed to be straightforward, with the application and approval processes managed by lending institutions and local government departments to minimize borrower burden [8]. Group 3: Application Process and Implementation - Borrowers need to authorize lending institutions to access transaction information to qualify for the subsidy, which simplifies the process [6][8]. - For personal loans, the lending institution will directly deduct the subsidy from the interest payments, allowing borrowers to be informed of their subsidy status through various communication methods [6][8]. - The service industry can expect a similar process, where banks will return the subsidy amount to businesses after receiving funds from the government [7][8].

8月13日，国新办举行发布会，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， 并答记者问。个人消费贷如何享"国补"？如何申请？办理流程复杂吗？一文读懂。 图片来源：国新办官网 Q1："双贴息"政策期限一年，有哪些主要内容？到期后将视情况研究是否延长? 财政部副部长廖岷表示，个人消费贷款财政贴息政策，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5万元以下的日常消费，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1年。 图片来源：新京报贝壳财经 廖岷表示，从消费结构看，目前我国服务消费仍具有较大增长潜力，要释放其潜力，需要有高品质的供 给，因此，我们同步实施了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消费经营主体 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、体育等八类主要消费服 务业领域。贴息比例为1个百分点，可以贴息1年， ...

21世纪经济报道记者 唐婧 北京报道 首先，积极开展政策宣传与解读。商务部将协同财政部开展广泛深入的政策宣传，指导地方商务主管部 门结合促消费活动加强政策宣介，提升政策知晓度和宣传覆盖面。商务部还将发挥行业协会和平台企业 的作用，推动政策快速精准触达企业，加快政策落地见效。 其次，强化贷款贴息政策审核把关。商务部将督促指导省级商务主管部门认真审核经办银行省行报送的 相关材料，审核贷款是否符合支持范围和贴息条件，及时将审核结果反馈省级财政、金融监管部门，让 政策红利切实惠及符合条件的经营主体。 最后，做好政策实施效果跟踪问效。商务部将指导地方商务主管部门通过定期实地走访、行业座谈等方 式，梳理经营主体在贷款申请、贴息审核、贴息拨付等环节的诉求和建议，持续优化完善相关工作。同 时，商务部还将与各有关部门加强沟通协调，推动解决政策落地过程中出现的有关问题，进一步提升政 策实施成效。 王波表示，本次发布的服务业经营主体贷款贴息政策，为相关的经营主体提供了"真金白银"的支持，是 促进服务消费高质量发展的重要举措。商务部既是服务消费工作的牵头部门，也直接负责实施方案中涵 盖的餐饮住宿、家政等行业的管理工作。 王波介绍，下 ...

Core Viewpoint - The article discusses the implementation of personal consumption loan interest subsidies and service industry operating entity loan interest subsidies as measures to enhance fiscal and financial cooperation, aiming to lower credit costs for residents and businesses, boost consumption, and facilitate economic circulation [6][10]. Group 1: Policy Implementation - The new policies are designed to amplify the multiplier effect of public funds and expand the coverage of fiscal policies [6]. - The "double interest subsidy" policy will last for one year, with evaluations to determine potential extensions or adjustments after its expiration [9]. - The policies aim to support reasonable borrowing needs and genuine consumption behaviors, excluding any non-consumption-related or arbitrage activities [12]. Group 2: Financial Mechanism - The interest subsidy mechanism is expected to leverage public funds to attract more financial resources into the consumption sector, potentially generating a 100-fold increase in loan funds for consumer spending from a 1% subsidy [10][11]. - The policies are designed to work in conjunction with existing consumer replacement subsidy policies, creating a synergistic effect that enhances consumer benefits [13][14]. - Financial regulatory authorities will incorporate the execution of these subsidy policies into their daily oversight to ensure they effectively reach consumers and businesses [15].

《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》已公开印发。 "这里还是要说明一点，个人消费贷款贴息政策支持的是消费者合理的借贷需求和真实的消费行为，如 果借款人使用个人消费贷款用于一些非消费领域，或是其他违规套利行为，这不属于政策的支持范围， 将无法取得贴息资金。"于红表示。 针对消费领域的服务业经营主体贷款贴息政策，廖岷介绍，从消费结构看，我国目前服务消费具有较大 增长潜力，为了释放这一潜力，需要有更高品质的供给，因此，同步实施了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是100万元，单户享受贴息最高1万元。 针对申请条件，于红表示，核心是要将贷款资金用于经营活动。《提振消费专项行动方案》是今年3月 16日公开发布的，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 ...

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].

数据显示，2020—2024年，我国服务消费保持了较快增长，居民人均服务性消费支出年均增长9.6%。 2024年，居民人均服务性消费支出占居民人均消费支出的比重达46.1%，对居民消费支出增长贡献率达 63%。很多家庭在家政、健身、旅游、美容、教育、医疗等方面的支出已经超过了商品消费的支出，我 国服务消费有较大的增长潜力。 商务部服务贸易和商贸服务业司副司长 王波：支持发展服务消费有利于促进全方位扩大内需，有利于 增强人民群众幸福感，以更优质、多元的供给满足广大人民群众个性化、多样化的服务消费需求。此次 贷款贴息政策支持的行业都是就业带动作用强的服务业领域，政策实施将降低经营主体融资成本，增强 经营主体的发展信心，激发发展活力，更好发挥就业的带动作用。 经营主体贷款贴息政策支持的八大类领域，都是服务消费的重要领域，这也是我国首次在中央层面实 施。为什么要支持服务消费？又将对我国的服务消费产生什么样的影响？ （总台记者 王楠 蒋勇） 根据政策，服务业经营主体贷款贴息政策支持的范围包括餐饮住宿、健康、养老、托育、家政、文化娱 乐、旅游、体育等8类消费领域，大多数都属于服务消费范畴。 商务部服务贸易和商贸服务业司副 ...