9月1日起，个人消费贷款贴息政策正式实施。近日，记者以消费者身份走访了位于北京的多家银行网 点。有银行客户经理表示，对系统不能识别的消费行为，用户可线下提交材料。 90后消费者飞飞对本报记者表示，"本来是要贷款买车的。等9月后再买，刚好享受补贴。这笔钱肯定是 要花的，能省一点是一点。"飞飞做了一个估算，在没有贴息的情况下，以前需要支付贷款利息6000 元，贴息后最高可减少利息约2000元。 9月2日，中国邮政储蓄银行研究员娄飞鹏对《华夏时报》记者表示，在申请消费贷款贴息时，对于消费 者来说，首先贷款需要真正用于消费，确保资金用途符合要求。同时考虑到贴息后个人仍然需要支付贷 款利息，也需要根据自身的实际情况量入为出，理性消费，盲目超前消费不可取。 执行措施陆续出台 日前，财政部等部门对外发布了《个人消费贷款财政贴息政策实施方案》，2025年9月1日至2026年8月 31日期间，居民个人使用贷款经办机构发放的个人消费贷款（不含信用卡业务）中实际用于消费，且贷 款经办机构可通过贷款发放账户等识别借款人相关消费交易信息的部分，可按规定享受贴息政策。 近日，记者走访了多家参与贴息的银行。某股份行大堂经理表示，贴息政策才 ...

"不用手动提交申请，在分期商城买东西时利息自动少扣！"当消费贷贴息遇上消金公司的"智能操作"，已有消费者惊喜地发现，申请金融"国补"原来如此简 单。 9月1日，由财政部、中国人民银行、金融监管总局印发的《个人消费贷款财政贴息政策实施方案》（以下简称《方案》）正式落地实施。北京商报记者了解 到，贴息方案的定点经办机构中，多家消金机构也陆续出台了相应的执行措施。具体怎么申请？能便宜多少？对于机构来说又有哪些问题需要注意？ 能省利息，还能自动享优惠 政策执行首日，北京商报记者注意到，已有多家消金公司公布贴息申请流程。 北京商报记者了解到，该活动自今日起上线，目前正向用户逐步开放中。 无独有偶，另一头部消金公司也有动作。招联消费金融当日发布关于个人消费贷款贴息政策客户关注问题解答，其中提到了两种贴息申请方式。 一类是自动贴息，适用于受托支付业务，即贷款资金直接支付给约定商户（如分期商城付息购物），用途明确的，将自动办理贴息，无需消费者操作。 另一类是申请审核后贴息，适用于自主支付业务，即贷款资金发放至借款人账户的，消费者需签署补充协议并授权公司查询消费用途证明材料，系统可识别 的消费交易将自动贴息。未能识别的需上传与 ...

9月1日，由财政部、中国人民银行、金融监管总局印发的《个人消费贷款财政贴息政策实施方案》正式 落地实施。本次贴息方案的定点经办机构，包括了工农中建等6家国有银行、12家全国性股份制商业银 行、以及蚂蚁消金等5家个人消费贷款发放机构。今日起，各家机构陆续出台具体的执行措施。 本周，各家机构陆续出台了具体的执行措施。记者汇总发现，兴业、浦发、中信、华夏、民生、招商等 多家银行公布的执行举措中，都提到，消费者想要申请国补贴息，都需要签署补充协议，部分需要消费 者到线下网点提交消费用途证明材料用于人工审核。 比如，招行显示，在办理贷款时或办理贷款后，签署《个人消费贷款贴息补充协议》。兴业银行则显 示，申请贴息时需客户签署贴息协议。 消费者授权银行查询其银行账户中消费交易信息，银行系统能自动识别的，银行将自动开展贴息，银行 系统未能识别的，需要消费者提交材料，进行人工审核。其中，招行就明确，对系统为能识别的，客户 可通过招行提供的线下人工渠道办理贴息申请，客户需提交真实消费发票等用途证明材料，招行人工认 定审核通过后，对贷款予以贴息。 今起一年内个人消费贷款可享1%财政贴息 《个人消费贷款财政贴息政策实施方案》提出，2 ...

首先，找银行等机构申请消费贷。消费者需要找工农中建等6家国有大型银行，招商银行等12家股份制银行，以及微众银行等5家其他贷款发放机构，开通 消费贷额度。 消费者具体如何操作才能享受贴息？哪些情况银行不予贴息？中新经纬实际体验操作发现，与之前申请消费贷的过程相比，主要区别在于消费者需签订一 份个人消费贷款贴息补充协议。在贴息后，部分消费者的消费贷利率或将低于3%。 怎么申请贴息？ 第二，填入贷款金额、选择还款期限、还款方式、资金用途、紧急联系人等贷款信息，部分银行需要勾选"是否选择贴息"。 从申请过程来看，消费者申请个人消费贷款贴息和之前申请使用消费贷的步骤基本一致。 来源：工商银行、交通银行App 来源：中国银行App 今日起，消费贷贴息申请正式开启啦！中新经纬注意到，9月1日，工商银行、交通银行、兴业银行等多家银行的手机App已上线消费贷贴息专区。 最后，消费者确认贷款信息，等待贷款审批发放，消费贷会自动发放至个人银行账户。消费者在消费后，银行进行审核，在核算利息时会直接扣减补贴的 部分。 "比如选择贷款12个月，按月付息、到期还本，在你消费后，系统就会自动判定你的贴息（生效），在还款时分为12个月补贴给你 ...

Group 1 - The 2025 Digital Economy New Consumption Conference was held in Chongqing, focusing on the integration of consumer goods and digital economy, aiming to promote industry exchanges and capital-project interactions [3][15] - The conference highlighted the trend of "precision consumption," with a 19% year-on-year increase in users opting for interest-free installment payments during the "6·18" shopping festival [6] - The event featured discussions on overcoming challenges in the consumer goods sector, emphasizing the need for digital transformation and innovative marketing strategies [11][12] Group 2 - The conference showcased successful case studies, such as the rapid growth of the high-tech apparel brand "Meili City," which achieved significant market presence within a year by focusing on product innovation and targeted marketing [8] - A roundtable discussion included insights from various industry leaders, emphasizing the importance of integrating food culture and digital strategies to create successful products [11][12] - The launch of the 2025 Digital Economy New Consumption Initiative aims to explore new paths for consumer innovation, focusing on collaboration across different sectors to enhance consumer experiences [15][17]

Core Viewpoint - The "618" shopping festival this year features significant changes, with installment interest-free options becoming popular among consumers, particularly the younger demographic, as a means to stimulate consumption in the context of economic recovery [2][3][4]. Group 1: Consumer Behavior - Consumers are increasingly inclined to purchase high-value, practical goods while feeling pressure from large expenditures, leading to a preference for installment payment options to ease financial burdens [2][3]. - A survey indicates that 85% of consumers would choose interest-free installments even when they can afford to pay in full, highlighting a shift in payment preferences [5]. - Younger consumers view installment payments as a way to maintain cash flow and financial security, rather than a sign of financial distress [6][7]. Group 2: Financial Institutions' Strategies - Financial institutions are leveraging interest-free installment plans as a tool to enhance customer loyalty and engagement, which can lead to increased usage of credit cards and other financial products [8][9]. - Banks are adopting a comprehensive approach to offering interest-free services, balancing the potential loss of interest income with the benefits of attracting more customers and increasing transaction volumes [8][9]. - Risk assessment is a critical component for banks when offering installment plans, ensuring that they maintain asset quality and profitability while providing these services [9]. Group 3: Promotional Activities - Various financial service providers, such as Haier and Ping An, are launching promotional campaigns during the "618" festival, offering interest-free periods and discounts to encourage consumer spending [3][4]. - Credit card companies are also implementing interest-free installment options and incentives to boost consumer spending during the promotional period [4][5]. Group 4: Market Impact - The introduction of interest-free installment options is expected to significantly boost sales across various sectors, including electronics and home appliances, as evidenced by a 70% increase in interest-free installment orders on major e-commerce platforms compared to the previous year [5]. - The competitive landscape among financial institutions is intensifying as they seek to capture a larger share of the consumer finance market through innovative payment solutions [8].