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银行推动消费贷款财政贴息政策落地见效
Jin Rong Shi Bao· 2025-10-10 02:06
国庆中秋8天假期期间,神州大地消费市场红红火火,各地政府与金融机构协同发力,围绕多个核心消 费场景推出系列优惠举措,节日消费活力持续迸发。 今年9月份以来,个人消费贷款贴息政策正在各地加速落地。借助假日消费的"黄金窗口期",多家银行 将消费贷款办理柜台搬进各大消费商圈,开通消费贷款绿色审批通道。 "消费贷款贴息政策覆盖家居家装、电子产品等多个领域,还款时会自动扣减贴息金额,对消费者来说 既便捷又划算。政策利好叠加金融支持,对国庆中秋长假期间国内消费形成促进作用,也给下半年居民 消费整体注入活力。"南开大学金融学教授田利辉在接受《金融时报》记者采访时表示。 为了方便消费者,多家银行优化手机银行App布局,将消费贷款贴息入口设在界面醒目位置。例如,工 行用户登录手机银行后,只需在首页搜索"消费贷贴息",即可进入专区;农行、交行直接上线了消费贷 贴息专区,并对申请流程进行了简化,从申请到贴息"一键直达";建行也推出全流程自动化服务模式, 用户只需在搜索栏输入"贴息",即可跳转至专属模块完成协议签署。 此外,多家银行多措并举搭建丰富的消费场景,通过多元化、全方位综合金融服务挖掘客户消费需求。 据介绍,在建行消费贷产品 ...
建行广东省分行:落地消费贷贴息 点亮民生“小确幸”
Nan Fang Du Shi Bao· 2025-09-28 10:58
想省钱?现在连利息都有人帮你"贴"了! "原本一年1500元的利息,财政贴息给我节省了500元,大半个月的外卖钱省下了!"近日,通过建设银 行建易贷产品购买某知名品牌智能家电套餐的李先生在谈起个人消费贷款贴息时如此感叹道。 像李先生这样通过建行解锁消费贷贴息福利的不在少数。据了解,9月1日-24日,建行广东省分行个人 消费贷款累计新增财政贴息客户数5833户,累计发放贴息贷款金额1.03亿元。 助消费者"贷"动心中所想 消费贷款贴息推出后,广铁员工陈女士在得知建行东莞分行为铁路段的员工提供"养易贷+财政贴息"双 组合金融体验服务后,跃跃欲试。最让她心动的是,"养易贷"产品创新采用"年金信用+"授信模式,有 缴企业年金的正常职工或退休员工均可申请,资金支持医疗护理、适老化改造、康养旅游等八大养老消 费场景。 个人消费贷款贴息服务取得显著成效背后,是建行深耕消费金融、服务民生经济的持续努力。当前,广 东消费市场活力涌现,居民消费热情持续攀升。建行广东省分行紧扣区域特色,通过创新消费信贷产 品、优化服务体验、扩大消费金融覆盖面等举措,为消费市场注入"建行能量",助力广东消费"热辣滚 烫"。 组建专班落地消费贷贴息 ...
建行广东省分行:落地消费贷贴息,点亮民生“小确幸”
Nan Fang Du Shi Bao· 2025-09-28 10:53
想省钱?现在连利息都有人帮你"贴"了! "原本一年1500元的利息,财政贴息给我节省了500元,大半个月的外卖钱省下了!"近日,通过建设银 行建易贷产品购买某知名品牌智能家电套餐的李先生在谈起个人消费贷款贴息时如此感叹道。 像李先生这样通过建行解锁消费贷贴息福利的不在少数。据了解,9月1日-24日,建行广东省分行个人 消费贷款累计新增财政贴息客户数5833户,累计发放贴息贷款金额1.03亿元。 个人消费贷款贴息服务取得显著成效背后,是建行深耕消费金融、服务民生经济的持续努力。当前,广 东消费市场活力涌现,居民消费热情持续攀升。建行广东省分行紧扣区域特色,通过创新消费信贷产 品、优化服务体验、扩大消费金融覆盖面等举措,为消费市场注入"建行能量",助力广东消费"热辣滚 烫"。 组建专班落地消费贷贴息 助消费者"贷"动心中所想 消费贷款贴息推出后,广铁员工陈女士在得知建行东莞分行为铁路段的员工提供"养易贷+财政贴息"双 组合金融体验服务后,跃跃欲试。最让她心动的是,"养易贷"产品创新采用"年金信用+"授信模式,有 缴企业年金的正常职工或退休员工均可申请,资金支持医疗护理、适老化改造、康养旅游等八大养老消 费场景。 ...
果然财经|个人消费贷贴息今起实施,单家机构最高贴息3000元
Sou Hu Cai Jing· 2025-09-01 16:31
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].
个人消费贷贴息今起实施,单家机构最高贴息3000元
Qi Lu Wan Bao Wang· 2025-09-01 13:18
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]
“金融国补”倒计时!多家银行抢先“预热”消费贷产品
Bei Jing Shang Bao· 2025-08-26 14:50
Core Viewpoint - The implementation of the personal consumption loan interest subsidy policy is approaching, leading to a competitive "customer acquisition battle" among banks to promote their consumption loan products [1][6]. Group 1: Policy Implementation and Bank Responses - The personal consumption loan interest subsidy policy, effective from September 1, offers a 1% annual subsidy, with 90% funded by the central government and 10% by provincial governments, allowing borrowers to receive up to 3000 yuan in subsidies for eligible purchases [1][6]. - Major banks, including Postal Savings Bank and Industrial and Commercial Bank of China, are actively promoting their consumption loan products, highlighting the benefits of the subsidy and providing easy access to product information through various channels [3][4]. - Banks are upgrading their systems to ensure compliance with the new policy, including using merchant category codes (MCC) to track the use of loan funds and requiring that funds be transferred to the borrower's debit card before making purchases [8][9]. Group 2: Product Offerings and Features - Postal Savings Bank's "Postal Enjoy Loan" offers up to 1 million yuan for credit loans and 5 million yuan for mortgage loans, with a maximum loan term of seven years [3]. - Industrial and Commercial Bank's "Rong e Borrow" allows loans up to 100 million yuan, with an annual interest rate of 3% before subsidies [4]. - Construction Bank offers various products, including "Jian Yi Loan" and "Kuaidai," with loan amounts up to 100 million yuan and terms of up to seven years, starting at an annual interest rate of 3% [5]. Group 3: System Upgrades and Risk Management - Banks are focusing on system upgrades to ensure the effective implementation of the subsidy policy, with many institutions, including China Bank and Agricultural Bank, confirming their readiness to start offering subsidies from September 1 [7][8]. - The policy aims to enhance the transparency of fund usage and prevent misuse, ensuring that loans are used for compliant consumption purposes [9]. - Financial institutions are emphasizing the importance of compliance and risk management, advising consumers to use loans for legitimate expenses and avoid engaging with intermediaries that may lead to potential risks [10][11].
消费贷“国补”倒计时!银行开启“抢客”模式
Guo Ji Jin Rong Bao· 2025-08-21 04:29
Core Insights - The implementation of the personal consumption loan interest subsidy policy is set to begin on September 1, with banks actively promoting their loan products to attract customers [1][3][6] - The expected annual increase in personal consumption loans for state-owned banks and joint-stock banks is projected to reach 8.787 billion and 2.331 billion respectively, driven by the favorable policy [1][6] Group 1: Policy Implementation and Bank Responses - Banks have initiated a "customer acquisition" strategy, with promotional messages highlighting the benefits of the upcoming interest subsidy policy [1][3] - Major banks, including Industrial and Commercial Bank of China (ICBC) and China Construction Bank, have detailed their consumption loan products and the subsidy range in their communications [1][3][4] - The interest rates for consumption loans are expected to remain unchanged, with the subsidy applicable from September 1, 2023, to August 31, 2026 [3][4] Group 2: Expected Impact on Loan Growth - Analysts predict that the policy will stabilize banks' net interest margins while boosting credit demand, leading to a positive cycle in consumption [6] - State-owned banks are expected to see a significant increase in both personal consumption and business loans, with projected annual increments of 8.787 billion and 16.532 billion respectively [6] - Joint-stock banks are anticipated to experience a rebound in retail credit growth, with expected annual increments of 2.331 billion and 2.683 billion for consumption and business loans respectively [6] Group 3: Consumer Guidance and Loan Usage - Consumers are advised to apply for personal consumption loans through legitimate financial institutions to benefit from the subsidy, ensuring that their borrowing aligns with actual consumption needs [7] - It is emphasized that loans should not be used for investment or speculative purposes, and borrowers should maintain a reasonable level of debt [7]
“晋”情消费进行时:金融活水浇灌消费新动能
Zhong Guo Xin Wen Wang· 2025-08-19 08:36
Core Viewpoint - The article emphasizes the importance of consumption as a core engine for economic growth, highlighting the role of financial services in stimulating consumer demand and enhancing living standards [1][10]. Financial Services and Consumer Support - Financial services are crucial for supporting consumption, with policies aimed at expanding domestic demand and improving consumption quality [1]. - Construction Bank's proactive strategies and tailored financial products, such as "Jianyi Loan" and "Fast Loan," are designed to meet diverse consumer needs and enhance market vitality [3][4][10]. - The bank has increased the loan limits for online and offline consumer loans to 300,000 yuan and 1,000,000 yuan respectively, while reducing the annual interest rate from 3.4% to 3.0% [3][4]. Consumer Loan Impact - The bank has disbursed 9.124 billion yuan in loans, significantly aiding families in improving their quality of life [3]. - The "Fast Loan" product allows consumers to access credit quickly, with a low annual interest rate and flexible repayment options, facilitating purchases such as cars [5][6]. Economic Indicators - In the first half of 2025, Shanxi Province's total retail sales of consumer goods reached 385.48 billion yuan, with a year-on-year growth of 6.1% [9]. - The growth rates for various retail categories include cultural and office supplies at 50.1%, communication equipment at 44.3%, and home appliances at 38.0% [9]. Policy and Market Dynamics - The People's Bank of China has issued guidelines to support consumption, encouraging banks to enhance collaboration with various sectors to provide more consumer incentives [7]. - The ongoing release of policy benefits and market vitality is driving the consumption market towards high-quality development [10].
最高千万,银行消费贷有了新玩法
Xin Lang Cai Jing· 2025-08-13 00:40
Core Viewpoint - The article discusses the recent trend of banks in China increasing consumer loan limits and lowering interest rates to stimulate consumption, amidst a competitive financial market and government encouragement for consumer spending [2][8][9]. Group 1: Consumer Loan Products - A new consumer loan product "橙e贷" with a maximum limit of 1 million yuan and an annual interest rate starting at 3% has been launched by a bank, indicating a shift towards consumer lending [1][4]. - Various banks are offering consumer loans with high limits; for instance, China Everbright Bank offers up to 1.5 million yuan, while Agricultural Bank of China has products with limits reaching 1 billion yuan [4][5]. - The trend of increasing loan limits is not limited to one bank; many financial institutions are following suit, with some offering loans in the millions [2][4]. Group 2: Market Dynamics - The competitive landscape among banks has led to a "limit war," where banks are focusing on increasing loan amounts rather than just lowering interest rates [3][9]. - The government has encouraged financial institutions to increase personal consumer loan offerings, which has prompted banks to adjust their products accordingly [8][9]. - The average debt levels among younger consumers, particularly those born in the 1990s, are high, with a significant portion attributed to consumer loans, indicating a strong demand for such financial products [10]. Group 3: Risk Management and Regulatory Concerns - Despite the attractiveness of high-limit consumer loans, obtaining these loans can be challenging due to strict approval processes that consider credit history, income, and other factors [5][6]. - Banks are required to monitor the use of consumer loans closely, as there have been instances of loans being misused for investments in restricted areas, leading to regulatory penalties [11][13]. - The rise in consumer loans has also correlated with an increase in non-performing loans, highlighting the need for banks to enhance their risk management practices [14][15].
银行鏖战大额消费贷 额度最高达千万
Zhong Guo Jing Ying Bao· 2025-07-25 19:11
Core Insights - The shift from "interest rate competition" to "credit limit competition" is becoming a significant strategy for banks to capture the consumer loan market [1] - Banks are upgrading their consumer loan products, offering limits exceeding 1 million yuan, with some products allowing for a repayment period of up to 10 years [1][5] - The government is encouraging financial institutions to increase consumer loan issuance while maintaining risk control [4][9] Consumer Behavior - Consumers are increasingly applying for higher consumer loan limits, with individuals like Sun Yao successfully obtaining 1 million yuan loans to avoid the hassle of multiple applications [2][3] - Many consumers view these loans not as a sign of financial distress but as a strategic financial planning tool, using low-interest loans for daily expenses while keeping investments intact [2][3] Bank Product Offerings - Major banks such as China Construction Bank and Agricultural Bank of China have introduced various consumer loan products with high limits and competitive interest rates, targeting high-quality clients [5][6][7] - Agricultural Bank's "House Mortgage e-loan" offers up to 10 million yuan for business owners, while Postal Savings Bank's "Postal Enjoy Loan" has a maximum limit of 1 million yuan [6][7] - Local banks are also entering the market with competitive offerings, such as Harbin Bank's and Hunan Bank's mortgage-backed consumer loans, with limits ranging from 3 million to 5 million yuan [8][9] Regulatory Environment - The State Council has issued guidelines to encourage financial institutions to increase personal consumer loan issuance while ensuring risk is manageable [4] - The upper limit for self-paid personal consumer loans has been raised from 300,000 yuan to 500,000 yuan, and loan terms have been extended from 5 years to 7 years [5] Risk Management - Banks are implementing strict risk controls and setting high thresholds for loan approvals, focusing on high-net-worth individuals and existing customers [1][9] - The evaluation of loan applications heavily relies on personal income, debt levels, and property valuations, ensuring that banks maintain a robust risk management framework [9]