1月20日，财政部、中国人民银行、金融监管总局发布《关于优化实施个人消费贷款财政贴息政策有关 事项的通知》（下称《通知》）。 通知指出，将个人消费贷款财政贴息政策实施期限延长至2026年底。调整后，个人消费贷款财政贴息政 策实施期为2025年9月1日至2026年12月31日。居民在上述期限内发生的符合条件的消费可按规定享受贴 息。政策到期后，将根据实施效果视情研究延长政策期限等。 与此同时，《通知》扩大了政策支持范围，将信用卡账单分期业务纳入贴息范畴，设定年贴息比例为1 个百分点，进一步拓宽政策红利惠及边界。 政策溯源：前期落地成效显著 个人消费贷款财政贴息政策的落地并非一蹴而就，其制度框架的搭建可回溯至2025年。 2025年8月，财政部联合多部门印发《服务业经营主体贷款贴息政策实施方案》和《个人消费贷款财政 贴息政策实施方案》，对贷款贴息政策支持范围、贴息标准、贷款经办机构、贷款流程、贴息流程和监 督管理等进行了明确。其中，消费贷贴息政策因与市民衣食住行息息相关，成为各家银行布局消费金融 的"重头戏"。 政策甫一出台，广东银行业机构便闻令而动，迅速优化服务流程，推动贴息红利直达企业与消费者。例 如，有国有 ...

Core Insights - The Guangdong banking industry is focusing on serving the real economy and has made significant strides in 2025, marking it as a pivotal year for financial development in the region [1] Group 1: AIC "Twin Stars" in the Greater Bay Area - In November 2025, two financial asset investment companies (AIC) from China CITIC Bank and China Merchants Bank were approved to operate in the Greater Bay Area, with registered capitals of 10 billion yuan and 15 billion yuan respectively [2] - These AICs aim to leverage local market advantages and provide comprehensive financial services to local enterprises, particularly in technology innovation and market-oriented debt-to-equity swaps [2] Group 2: Addressing "Involution" in Competition - The Guangdong banking sector is actively combating "involution" in competition, which has led to unhealthy practices such as price wars and resource misallocation [3][4] - Regulatory bodies have introduced a negative list for involutionary competition and established self-regulatory agreements to promote fair competition within the industry [3] Group 3: Risk Management for Small Financial Institutions - The Guangdong Financial Regulatory Bureau has prioritized the risk management of small financial institutions, focusing on restructuring and governance to mitigate risks [5] - In 2025, 12 village banks were approved for dissolution, and 11 were merged, indicating a significant restructuring effort in the sector [6] Group 4: Loan Subsidy Policies - In August 2025, the Ministry of Finance introduced loan subsidy policies aimed at supporting consumer loans and service industry operators, which have been rapidly adopted by banks in Guangdong [7] - By the end of the first month of implementation, over 5,800 new clients had benefited from the subsidy, with more than 100 million yuan in loans disbursed [7] Group 5: Inclusive Finance Innovations - The "China Inclusive Finance Tour" initiated in July 2025 highlighted innovative practices in inclusive finance across various regions, with Guangdong's efforts receiving significant attention [9][10] - A total of 139 effective cases were collected during the inclusive finance innovation practice conference, showcasing advancements in digital transformation and supply chain finance [10] Group 6: Financial Empowerment of the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" Project - The Guangdong government has implemented a financial support plan for the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project, aiming to enhance financial services in rural areas [14] - By September 2025, loans in the Guangdong region had increased by 6.5% year-on-year, with agricultural loans growing by 10.6%, demonstrating the effectiveness of financial support in rural development [15] Group 7: Financial Services for the National Games - The 15th National Games held in Guangdong, Hong Kong, and Macau in November 2025 saw banks providing comprehensive financial services throughout the event lifecycle [16][17] - Financial institutions facilitated seamless payment experiences and provided credit support for infrastructure projects related to the Games, amounting to over 70 billion yuan [17] Group 8: Strengthening Regulatory Oversight - The Guangdong Financial Regulatory Bureau emphasized a strong regulatory framework, with 515 penalties issued to banking institutions in 2025, reflecting a commitment to compliance and risk management [18] - The region's regulatory actions are among the highest in the country, indicating a proactive approach to maintaining industry standards [18] Group 9: Consumer Protection Initiatives - The Guangdong Financial Regulatory Bureau has been enhancing consumer protection measures, embedding consumer rights into all business processes of financial institutions [19] - Initiatives include comprehensive evaluations of consumer protection practices and addressing complaints to improve service quality [19][20]