2025年11月12日，中信银行（601998）发布公告称，为贯彻落实党中央、国务院关于大力提振消费、全 方位扩大国内需求的决策部署，降低服务业经营主体融资成本，助力激发消费市场活力，促进经济加快 向好发展，根据《服务业经营主体贷款贴息政策实施方案》（财金〔2025〕81号）工作部署，中信银行 积极有序推动相关实施工作，现就客户关注问题解答如下： （1）客户申请贷款的经营主体为餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育8类消费 领域。 （2）2025年3月16日至2025年12月31日期间，客户与中信银行完成个人经营贷款的贷款合同签订且相关 贷款资金发放至经营主体。 （3）贷款资金合规用于改善消费基础设施和提升社会服务能力。 （4）客户完成《中信银行服务业经营主体个人贷款财政贴息补充协议》签署。如客户未签署补充协 议，视为放弃本笔贷款财政贴息，不影响贷款的申请、办理及使用。 （5）借款合同按约定足额偿还本金及利息。 （6）贴息申请经省级财政、民政、人力资源社会保障、商务、文化和旅游、卫生健康、体育等相关管 理部门审核通过。 1.问：中信银行财政贴息的服务业经营主体个人经营贷款产品范围有哪些？ 答： ...

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by CITIC Bank to support small business owners and consumers through various financial products and services, particularly in the context of enhancing consumption and economic growth [1][3][6] - CITIC Bank has introduced personal credit products and inclusive financial services that cater to diverse business needs, such as renovation and equipment upgrades for small enterprises, with loan limits reaching up to 10 million yuan [1] - The bank's online credit loan product "Xin Miaodai" offers 24/7 service without collateral, allowing for flexible borrowing for various consumer needs, thus promoting economic activity [1][3] Group 2 - In the automotive finance sector, CITIC Bank collaborates with manufacturers to provide zero and low-interest products, enhancing customer access to financing for both new and used vehicles, with loan amounts up to 1 million yuan and terms up to five years [4] - The bank has implemented differentiated financial products to support the "old for new" consumption initiative, improving customer efficiency and approval rates through dedicated promotional channels [4] - CITIC Bank's efforts align with national policies aimed at boosting consumption and expanding financial supply, as outlined in the guidelines issued by the People's Bank of China and other departments [3][6]