9月起，这些个人消费贷款可享受财政贴息！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics-app.cnyw.net/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section><section></section><section><section><section><section><section><section><p style="text-indent: 2em; font-size: 16px;"><span style="font-size: 16px;"><strong><strong>近日，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。要点如下↓↓</strong></strong></span></p><section><section><section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section><section><section><p style="text-align: center; text-indent: 0px;"><span style="font-size: 17px;"><strong><span style="line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; color: #ab1942; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-weight: bold;">支持范围</span></span></strong></span></p></section></section><section><section><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section></section></section></section><p style="text-indent: 2em;"><span style="font-size: 16px;"><strong><strong><strong><strong>实施方案明确，</strong></strong><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;">同时符合以下条件的贷款可享受贴息政策——</span></strong></strong></span></p><p> </p><p style="text-indent: 2em;"><span style="font-size: 16px;"><strong><strong><strong>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</strong>，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。</strong></strong></span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em;"><span style="font-size: 16px;"><strong><strong>贴息范围包括单笔5万元以下消费，以及单笔5万元及以上的家用汽车、养老生育、教育培训、文化旅游、家居家装、电子产品、健康医疗等重点领域消费。</strong></strong></span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em;"><span style="font-size: 16px;"><strong><strong>对于单笔5万元以上的消费，以5万元消费额度为上限进行贴息。政策到期后，可视实施效果研究延长政策期限、扩大支持范围。</strong></strong></span></p><section><section><section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section><section><section><p style="text-align: center; text-indent: 0px;"><span style="font-size: 17px;"><strong><span style="line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; color: #ab1942; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-weight: bold;">贷款经办机构</span></span></strong></span></p></section></section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section></section></section></section><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>6家国有大型商业银行</strong>，包括中国工商银行股份有限公司、中国农业银行股份有限公司、中国银行股份有限公司、中国建设银行股份有限公司、交通银行股份有限公司、中国邮政储蓄银行股份有限公司。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>12家全国性股份制商业银行</strong>，包括中信银行股份有限公司、中国光大银行股份有限公司、华夏银行股份有限公司、中国民生银行股份有限公司、招商银行股份有限公司、兴业银行股份有限公司、广发银行股份有限公司、平安银行股份有限公司、上海浦东发展银行股份有限公司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股份有限公司。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>5家其他个人消费贷款发放机构</strong>，包括深圳前海微众银行股份有限公司、重庆蚂蚁消费金融有限公司、招联消费金融股份有限公司、兴业消费金融股份有限公司、中银消费金融有限公司。</span></p><section><section><section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section><section><section><p style="text-align: center; text-indent: 0px;"><span style="font-size: 17px;"><strong><span style="line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; color: #ab1942; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-weight: bold;">贴息标准</span></span></strong></span></p></section></section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section></section></section></section><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>年贴息比例为1个百分点</strong>（按符合条件的实际用于消费的个人消费贷款本金计算），且最高不超过贷款合同利率的50%，中央财政、省级财政分别承担贴息资金的90%、10%。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;">贷款合同利率需要符合相应利率自律约定。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;">政策执行期内，<strong>每名借款人在一家贷款经办机构可享受的全部个人消费贷款累计贴息上限为3000元（对应符合条件的累计消费金额30万元）</strong>，其中在一家贷款经办机构可享受单笔5万元以下的个人消费贷款累计贴息上限为1000元（对应符合条件的累计消费金额10万元）。</span></p><section><section><section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section><section><section><p style="text-align: center; text-indent: 0px;"><span style="font-size: 17px;"><strong><span style="line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; color: #ab1942; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>个人消费贷款财政贴息重点领域</strong><br /></span></strong></span></p><p style="text-align: center; text-indent: 0px;"><span style="font-size: 17px;"><strong><span style="font-weight: bold;">（适用单笔5万元及以上消费）</span></strong></span></p></section></section><section><section style="text-indent: 2em;"><p style="color: rgba(0, 0, 0, 0.9); font-size: 17px; line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"> </p></section></section></section></section></section><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>家用汽车领域</strong>，包括汽车购置、车辆保险及维修。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>养老生育领域</strong>，包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托育、辅助生育消费等。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>教育培训领域</strong>，包括资格证书培训考试、高等学历继续教育等。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>文化旅游领域</strong>，支持消费者通过具备资质的旅行机构购买国内旅游出行服务。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>家居家装领域</strong>，包括家庭装修、家用电器、厨卫用品、家具等。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>电子产品领域</strong>，包括购买手机、平板、个人电脑、智能穿戴设备等。</span></p><p style="text-indent: 2em;"> </p><p style="text-indent: 2em; font-size: 16px;"><span style="color: rgba(0, 0, 0, 0.9); line-height: 1.6; letter-spacing: 0.034em; font-style: normal; font-weight: normal; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><strong>健康医疗领域</strong>，包括牙齿矫治、视力矫正、健康管理等。</span></p></section><p><span style="color: rgba(0, 0, 0, 0.9); 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