新华社北京9月10日电 题：透过预算执行报告，看财政政策如何更加积极？ 受国务院委托，财政部部长蓝佛安10日向十四届全国人大常委会第十七次会议报告了今年以来预算执行 情况。根据报告，今年以来，财政政策更加积极、接续发力，预算执行和财政运行总体平稳。 财政收入方面，报告显示，今年1至7月，全国一般公共预算收入135839亿元，同比增长0.1%。财政支 出方面，各级财政部门加强预算执行，保持必要支出强度，重点领域支出得到较好保障；1至7月，全国 一般公共预算支出160737亿元，同比增长3.4%。 在落实好去年出台的一批财政政策的基础上，今年我国实施更加积极的财政政策，持续用力、更加给 力。具体落实情况如何？ 综合运用财税政策工具，支持实施提振消费专项行动，出台实施个人消费贷款和服务业经营主体贷款贴 息政策、失能老年人养老服务消费补贴政策等；扩大汽车报废更新、家电产品以旧换新补贴范围，将手 机等数码产品纳入补贴；超长期特别国债比去年提前1个月启动发行，截至7月末已发行7610亿元，有力 支持"两重"项目建设和"两新"工作……来自报告的一组举措，彰显更加积极的财政政策靠前实施、发力 显效。 与此同时，今年以来，财政 ...

9月1日起， 个人消费贷款贴息政策正式实施。近日，多家银行积极部署相关工作，迅速推动政策落地，努力让广大消费者"省钱又省心"。 近日，母基金研究中心发布 2025年度专项榜单，南沙成功摘得两项年度大奖。其中，广州市南沙区入选"2025最受投资机构欢迎的区县政府LP TOP15"， 南沙科创母基金获得"2025地市及区县级政府引导基金最佳风控TOP50"。→ 日前， "才聚湾区，创领未来"2025第三届粤港澳大湾区研究生创新创业大赛启动仪式在南沙举办。本届大赛聚焦广州市"12218"现代化产业体系，联动粤 港澳高校、科研机构及产业资源，为研究生群体提供创新创业实践舞台。 本次赛事分为 创新组和创业组：创新组面向未注册企业的创业项目；创业组面向已注册企业，目前项目征集报名已启动。经过初赛、复赛、决赛三个阶 段的角逐，12月将评出优胜项目。点击链接了解报名详情 → 近日，海关总署公布了 2024年全国综合保税区发展绩效评估排名结果，广州南沙综合保税区再次获评A类，成为全省唯一连续四年保持全国A类的海关特 殊监管区域，其中综保区"跨境电商业务进出口值"指标连续六年位居全国第一。→ 南沙街道创新打造的"南小丫"舒心解压 ...

Core Viewpoint - The recently implemented personal consumption loan interest subsidy policy and service industry loan interest subsidy policy aim to stimulate consumer demand and enhance service supply through financial and fiscal collaboration, marking a significant step in macroeconomic policy adjustment [1][3][4]. Policy Implementation - The personal consumption loan interest subsidy provides a maximum subsidy of 3,000 yuan for individuals and 10,000 yuan for enterprises, with a 1% subsidy rate potentially leading to a 100-fold increase in loan funds for consumer spending [1][4][5]. - The service industry loan interest subsidy targets eight key service sectors, allowing a maximum subsidy of 10,000 yuan per entity, with a similar 1% subsidy rate [9][10]. Financial Institutions' Response - Major banks such as China Bank and Agricultural Bank have committed to implementing these policies starting September 1, 2023, alongside various consumer finance companies [11][12]. - Financial institutions are expected to streamline processes and ensure compliance with market principles while managing risks effectively [13]. Economic Impact - The policies are designed to reduce the financial burden on consumers and service providers, thereby enhancing overall consumption and economic circulation [4][5][9]. - The expected outcome is a synergistic effect where the combined impact of both subsidy policies will significantly boost consumer spending and service supply capabilities [4][9]. Risk Management and Compliance - Financial institutions are required to adhere to strict risk management protocols, ensuring that funds are used appropriately for consumer-related expenditures [6][13]. - The implementation of these policies will be monitored closely, with regular assessments to evaluate their effectiveness and potential adjustments [10][13].

Core Viewpoint - The Chinese government has introduced two subsidy policies for personal consumption loans and service industry loans to stimulate consumption and expand domestic demand, reflecting the government's commitment to enhancing consumer spending [1][2]. Group 1: Policy Details - The two subsidy policies are the "Personal Consumption Loan Subsidy Policy" and the "Service Industry Operating Entity Loan Subsidy Policy," which aim to support consumption and reduce credit costs for residents and businesses [1][2]. - The subsidy for personal consumption loans is set at 1%, which could potentially leverage 100 times the amount in loans for consumer spending [2]. - The subsidy period for both policies is one year, with a focus on various consumer needs, including daily expenses and significant purchases like home appliances and vehicles [2]. Group 2: Economic Impact - The policies are designed to enhance the vitality of the consumption market, particularly in the service sector, by addressing both demand and supply sides [1][3]. - Service consumption in China has significant growth potential, with per capita service consumption expenditure expected to reach 46.1% of total consumption by 2024, contributing 63% to the growth of consumer spending [3][4]. - The policies aim to improve the quality of service supply to meet the diverse and personalized needs of consumers, thereby promoting overall economic stability [5][6]. Group 3: Implementation and Oversight - The policies emphasize broad coverage and low thresholds for access, ensuring that the application process is straightforward and efficient for consumers [6][7]. - Financial institutions are required to adhere to strict regulatory measures to ensure the proper use of subsidy funds and protect consumer rights [7][8]. - The People's Bank of China is guiding financial institutions to enhance the integration of consumption scenarios and improve the attractiveness of consumer financial products [8].

Core Viewpoint - The newly announced loan interest subsidy policies aim to stimulate consumer spending and support service industry operators by providing a 1% annual interest subsidy, with the central government covering 90% of the subsidy costs for one year [1][8]. Group 1: Policy Details - The subsidy policies target loans issued to eight major service sectors and personal consumption loans used for actual consumption [1][5]. - The policies will undergo an evaluation after their expiration to consider extending the duration or expanding the support scope [1][9]. - The subsidy for personal consumption loans is capped at 500 yuan per transaction, with a maximum of 1,000 yuan for multiple transactions under 50,000 yuan, and up to 3,000 yuan for transactions above that amount [4][5]. Group 2: Application Process - The application process for the subsidies is designed to be simple and low-barrier, requiring minimal actions from borrowers [3][6]. - Borrowers do not need to take additional steps to apply for the subsidies; the lending institutions will handle the subsidy application and interest deduction [6][10]. - Financial regulatory bodies will monitor the implementation of the subsidy policies to ensure compliance and effective use of funds [10][12]. Group 3: Economic Impact - The policies are expected to enhance consumer capacity and expand effective supply, particularly in the service sector, which has shown significant growth potential [7][12]. - The service consumption expenditure per capita is projected to reach 46.1% of total consumption expenditure by 2024, contributing 63% to the growth of consumer spending [7]. - The collaboration between fiscal and financial policies is anticipated to create a leveraging effect, potentially increasing the amount of loans directed towards consumer spending [8][12]. Group 4: Future Directions - The People's Bank of China plans to guide increased credit supply in the service consumption sector and optimize consumer financial products and services [13]. - The policies will be aligned with previous macroeconomic measures to further stimulate consumption [12].

Core Viewpoint - The introduction of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies aims to enhance financing support from both consumer demand and enterprise service supply sides, reflecting the coordination between fiscal and financial policies [1] Group 1: Policy Implementation - The subsidy policy directly reduces financing costs for residents and enterprises by subsidizing loan interest payments, alleviating financial burdens [1] - The re-lending policy links policy incentives with banks' credit allocation to the consumer sector, encouraging banks to increase credit supply and pass benefits to enterprises [1] - The interest rates for consumer loans are determined by banks based on market principles, with the subsidy portion directly funded by the government, supporting consumption while ensuring sustainable financial support for the real economy [1] Group 2: Future Directions - The People's Bank of China will work with fiscal departments to ensure effective policy implementation and enhance financial support for consumption [2] - Financial institutions are encouraged to increase credit supply in key service consumption areas such as accommodation, dining, entertainment, education, and elderly care, promoting the growth of related industries [2] - There will be an emphasis on optimizing consumer financial products and services, simplifying approval processes, and enhancing the attractiveness of consumer finance products to meet real consumer needs [2]

Core Points - The State Council held a press conference on August 13 to introduce two subsidy policies: personal consumption loan interest subsidies and service industry operating entity loan interest subsidies [1][3] - The policies aim to simplify the application process and remove complex requirements, ensuring broad accessibility for the public and business entities [3] Policy Details - The Ministry of Finance, represented by Vice Minister Liao Min, emphasized that the policies are designed to be user-friendly, with the loan processing institutions primarily responsible for interest subsidy calculations and applications [3] - For personal consumption loans, borrowers must authorize the processing institutions to access transaction information related to their loan accounts for subsidy calculation purposes [3]

Core Viewpoint - Everbright Bank is actively implementing policies to boost consumption and develop consumer finance as directed by relevant authorities, following the State Council's recent initiatives [1] Group 1: Policy Implementation - The bank is organizing the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies as announced in the State Council's meeting on July 31 [1] - Efforts will be made to optimize financial services and guarantee measures, simplifying procedures to ensure the policies are effectively and promptly executed [1] Group 2: Risk Management - The bank emphasizes strict supervision to enhance the efficiency of fund utilization and mitigate risks associated with consumer finance lending [1] - This response marks Everbright Bank as the first joint-stock bank to act on the new policies following the recent actions of major state-owned banks [1]

Core Insights - The State Council's recent meeting on July 31 announced the implementation of personal consumption loan interest subsidy policies to boost domestic demand and support service industry loan interest subsidies [1] - Multiple banks are rapidly implementing the personal consumption loan interest subsidy policy, aiming to stimulate consumption potential and enhance market vitality [1] Group 1 - The interest subsidy policy is expected to lower the cost of consumer credit for residents, thereby increasing their willingness and ability to consume [1] - The policy will also reduce financing costs for entities in the consumption sector, encouraging them to offer more quality products and services [1] - There is a call for the design of targeted interest-subsidized loan products to meet the funding needs of personal consumption and service industry entities, along with a focus on risk management to ensure compliance in fund usage [1]

Core Viewpoint - The Chinese government has implemented personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to lower credit costs and stimulate consumption potential, enhancing market vitality [1][3]. Group 1: Policy Implementation - The State Council's executive meeting on July 31 announced the implementation of interest subsidy policies for personal consumption loans and service industry loans [1][3]. - Industrial and Commercial Bank of China (ICBC) is actively promoting the implementation of these policies, emphasizing market-oriented and legal principles while simplifying procedures [1][2]. - Construction Bank has initiated a consumption finance special action to support consumer spending and enhance financial supply, focusing on key consumption areas such as automotive and home appliances [2][3]. Group 2: Expected Outcomes - The interest subsidy policies are expected to significantly reduce financing costs, thereby stimulating consumer demand and enhancing the overall market activity [3][4]. - The policies aim to facilitate easier access to national policy benefits for market participants, ultimately contributing to economic growth and the circulation of the national economy [3][4]. - The government aims to leverage fiscal and financial collaboration to maximize the effectiveness of the subsidy policies, ensuring that funds are utilized efficiently [3].