Core Viewpoint - The introduction of personal consumption loan interest subsidy policies aims to stimulate consumer spending and enhance economic circulation by reducing credit costs for residents and businesses [1][2][3] Group 1: Policy Overview - The personal consumption loan interest subsidy policy is the first of its kind from the central government, directly benefiting the public by subsidizing loans used for consumption [2][3] - The 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 from September 1, 2025, to August 31, 2026 [2] - The service industry loan subsidy targets eight key consumption service sectors, with a maximum loan amount of 1 million yuan per entity and a subsidy cap of 10,000 yuan [2][5] Group 2: Implementation Process - The application process for the subsidies is designed to be simple and efficient, with loan institutions and local government departments handling the application and review processes [4][5] - For personal consumption loans, borrowers only need to grant permission to the loan institution to access transaction information to calculate the subsidy amount [4] - Service industry borrowers do not need to apply for the subsidy; the bank will return the subsidy amount directly to them after receiving the funds from the government [5] Group 3: Expected Impact - The policies are expected to enhance consumer capacity and expand effective supply, positively impacting consumption, especially in the service sector [3][8] - The People's Bank of China has implemented various monetary policy tools to support consumption, including a 500 billion yuan service consumption and elderly re-loan program [8] - The focus will be on increasing credit support for key service consumption areas such as accommodation, dining, and education, while also improving payment services for consumers [8]

本报北京8月12日电（记者汪文正）近日，财政部会同有关部门印发《个人消费贷款财政贴息政策实施 方案》《服务业经营主体贷款贴息政策实施方案》，推动实施个人消费贷款贴息政策与服务业经营主体 贷款贴息政策。 针对服务业经营主体贷款，财政部等九部门明确，对于经办银行向餐饮住宿、健康、养老等8类消费领 域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。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。 此前，7月31日举行的国务院常务会议对两项贷款贴息政策进行了部署。中国社科院财经战略研究院财 政研究室主任何代欣认为，两项贷款贴息政策分别从供需两端发力提振消费。其中，对服务业经营主体 贷款进行贴息，有助于为相关经营主体提供更多支持，扩大优质服务供给，进一步促进服务消费。 针对个人消费贷款，财政部等三部门明确，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 ...