助力提高供给质量的同时，今年以来，天津各金融机构纷纷开展了各具特色的消费金融活动，叠加惠民 措施，助力消费市场蓬勃发展。 新华社天津10月4日电 题：天津：金融"组合拳"提振消费市场活力 新华社记者李亭 "十一"假期，依山傍水的天津市蓟州区下营镇郭家沟村迎来客流高峰。"三个小院近20间客房几乎每天 都订满了！"红伟悦来农家院负责人尹会廷高兴地说。 生意红火的背后，离不开精准的金融支持。原来，尹会廷只经营两个小院，旺季来临时，房间常供不应 求。去年，为了扩大经营规模，她打算对农家院进行改扩建，顺利地从中国农业银行获得了200多万元 的农家乐贷款。今年暑期，改造后的农家院正式营业。"农家院整体提升了一个档次，我们的生意越来 越好！"她说。 据介绍，中国农业银行天津市分行全面对接服务天津乡村旅游12个示范片区和12条精品路线建设，以蓟 州区郭家沟村升级改造项目为样板，组建"项目贷款+智慧场景+农户贷款"综合服务模式，已累计为20 余户农家院提供资金支持超2600万元。 围绕提振消费，中国农业银行天津市分行开展了"团泊湖马拉松"等主题促消费活动，叠加"国补"推 出"以旧换新"信用卡满减补贴，做好圈、街、楼、店等4万余 ...

Core Viewpoint - The implementation of a personal consumption loan interest subsidy policy marks the first time the central government has provided subsidies for personal consumption loans, allowing residents to enjoy a 1% annual subsidy on loans used for various consumption purposes [1]. Group 1: Policy Details - The subsidy applies to personal consumption loans obtained from financial institutions for purposes such as home renovation, travel, education, and purchasing consumer goods like electronics and vehicles [1]. - The maximum subsidy per individual at a single bank is capped at 3,000 yuan, corresponding to a total consumption amount of 300,000 yuan [3]. - For loans under 50,000 yuan, the maximum subsidy is 1,000 yuan, linked to a consumption amount of 100,000 yuan [3]. Group 2: Application Process - Consumers can apply for the consumption loan products directly through bank apps, which will automatically calculate and deduct the subsidy from the loan interest [3]. - Existing customers with outstanding loans prior to September 1 may also qualify for the subsidy if the funds are utilized for eligible consumption after this date [4]. Group 3: Bank Initiatives - Many banks have established dedicated sections in their apps for the subsidy, making the application process user-friendly and straightforward [4][6]. - Major banks like China Bank and Construction Bank have prominently featured the subsidy in their apps, allowing consumers to easily access related products and agreements [6][8]. Group 4: Fund Usage Management - Strict management of fund usage is emphasized, requiring that loan funds be used for actual consumption to qualify for the subsidy [9]. - Consumers must utilize the loan funds within one month of disbursement for designated consumption, or they risk losing the subsidy [9]. - Banks have mechanisms in place to verify that funds are used for legitimate consumption, including automatic recognition through payment systems and the option to submit receipts for verification [9]. Group 5: Fraud Prevention Measures - Banks are implementing strict measures to prevent fraudulent activities related to the subsidy, including the prohibition of false documentation and illegal loan practices [10]. - Violations may lead to legal consequences and impact the borrower's credit record, emphasizing the importance of responsible borrowing [10].

Core Viewpoint - The implementation of personal consumption loan interest subsidy policy marks the first time the central government provides subsidies for personal consumption loans, allowing residents to enjoy a 1% annual subsidy on loans used for various consumption purposes [1] Group 1: Policy Details - The subsidy applies to personal consumption loans obtained from financial institutions for purposes such as home renovation, travel, education, and purchasing consumer goods like electronics and vehicles [1] - Each borrower can receive a maximum subsidy of 3,000 yuan, corresponding to a total consumption amount of 300,000 yuan during the policy execution period [2] - For loans under 50,000 yuan, the maximum subsidy is 1,000 yuan, corresponding to a consumption amount of 100,000 yuan [2] Group 2: Application Process - Consumers can apply for the consumption loan products directly through bank apps, where the system automatically calculates and deducts the subsidy [2] - Existing customers with outstanding personal consumption loans may also qualify for the subsidy if the funds are utilized for eligible consumption after the policy's implementation [3] Group 3: Bank Participation and Product Inclusion - Multiple banks have launched dedicated sections in their apps for the subsidy program, making it user-friendly for consumers [3][5] - Major banks like China Bank, Construction Bank, and Industrial and Commercial Bank have included various consumer loan products in the subsidy scope [7] Group 4: Fund Usage Management - Strict management of fund usage is emphasized, requiring consumers to use loan funds for actual consumption within one month of disbursement to qualify for the subsidy [8] - Banks have mechanisms to ensure funds are used for legitimate consumption, including automatic recognition of transactions through POS systems [8] Group 5: Fraud Prevention Measures - Banks are implementing strict measures to prevent fraudulent activities related to the subsidy, including penalties for providing false information or misusing funds [9] - Consumers are advised to avoid applying for loans indiscriminately and to maintain a reasonable level of personal debt [9]