作者 / 魏 微 编辑 / 黄大路 设计 / 张 萌 "新车已经交钱了，老车还没卖，现在咋办？"有广州车主欲哭无泪。 2025年8月29日23时02分，广州市商务局官网悄然发布一则简短通知，宣布广州市汽车"置换更新"政策于8月30日零时起暂停实施。 这份几乎没有留下缓冲期的公告，让当地车市炸开了锅。 公告表示，8月29日（含）前已取得新车《机动车销售统一发票》以及旧车《二手车销售统一发票》的消费者，仍有资格在系统升级后提交补贴申请， 但具体时间待定。 简单来说，只有在8月29日前买了新车并且已将老车卖掉，且都拿到发票的前提下，才能有资格赶上广州汽车以旧换新补贴发放的末班车。 与部分地区明确提及 "系统升级""资金耗尽" 不同，广州未披露补贴暂停发放的具体原因，但结合行业普遍情况与政策背景，其核心原因或仍旧指向补 贴资金池"见底"。 汽车置换补贴的资金主要来自财政资金，中央和地方都有"出资"。具体来看，家电以旧换新、汽车报废更新等领域补贴资金按照总体9:1的原则实行央 地共担，东部、中部、西部地区中央承担比例分别为85%、90%、95%。 他们一边向老车主请教经验，仔细打听通过哪个小程序提交材料更便捷、补贴打款 ...

Group 1 - The core viewpoint of the news is the introduction of a new fiscal subsidy policy for personal consumption loans, aimed at stimulating the automotive market by providing interest subsidies to consumers [1][2][3] - The policy includes a 1% annual interest subsidy, with a maximum subsidy limit of 3,000 yuan for eligible personal consumption loans, which corresponds to a total consumption amount of 300,000 yuan [1][6] - The policy is part of a broader set of measures to boost automotive consumption, including trade-in subsidies and tax exemptions for new energy vehicles, targeting the reduction of consumer costs and enhancing purchasing willingness [2][3] Group 2 - The implementation of the subsidy policy is expected to provide a significant boost to the automotive market, which has been facing challenges due to low consumer confidence and economic uncertainty [4][5] - Despite the potential benefits, initial market feedback indicates that the actual impact of the subsidy on automotive consumption has yet to be realized, with consumers showing low awareness of the policy [4][5] - The automotive finance sector may see a restructuring of market shares, as the 1% subsidy can enhance the competitiveness of bank loans, potentially attracting more customers [7][8] Group 3 - Banks are actively preparing to implement the subsidy policy, focusing on defining eligible loan products, optimizing application processes, and ensuring timely disbursement of subsidy funds [8][9] - The policy's coverage extends beyond vehicle purchases to include insurance and maintenance, although practical challenges may limit its effectiveness in these areas [9]