“双贴息”政策落地，实操版全解读
<section data-role="outer" label="edit by 135editor" data-pm-slice="11 10 []"><section data-role="outer" label="edit by 135editor" style=""><section data-role="outer" label="edit by 135editor" data-pm-slice="0 0 []"><section><section data-role="paragraph"><section><section class="channels_iframe_wrp" nodeleaf=""><mp-common-videosnap class="js_uneditable custom_select_card channels_live_iframe" data-pluginname="mpvideosnap" data-headimgurl="https://wx.qlogo.cn/finderhead/GuDjuPjOvng94hKWibCzRDcic03ibUibmnQAlYPmq1r59Ak/0" data-username="v2_060000231003b20faec8c7ea8b1ecad2c805ea36b077ea19fcfb35c6982912bd56a83ca03863@finder" data-nickname="无线徐州" data-desc="将在08月16日 17:30 直播" data-type="live" data-intro="“苏超”无锡队vs徐州队" data-noticeid="finderlivenotice-v2_060000231003b20faec8c7ea8b1ecad2c805ea36b077ea19fcfb35c6982912bd56a83ca03863@finder-1754033693022456-892624841" data-status="0"></mp-common-videosnap></section><section data-pm-slice="0 0 []" style="-webkit-tap-highlight-color: transparent;margin: 0px;padding: 0px;outline: 0px;max-width: 100%;color: rgba(0, 0, 0, 0.9);font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;line-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></section><section style="text-align: center;"><section><section style="text-align: justify;"><section><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">今天上午10时，国务院新闻办公室举行新闻发布会，财政部副部长廖岷和商务部、中国人民银行、金融监管总局有关负责人介绍个人消费贷款贴息政策和服务业经营主体贷款贴息政策有关情况，并答记者问。</span></span></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span leaf=""><br/></span></p><section 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;margin-left: 16px;margin-right: 16px;font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;" nodeleaf=""></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;margin-left: 16px;margin-right: 16px;font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 17px;color: rgb(2, 30, 170);">“双贴息”政策期限一年 到期后将视情况研究是否延长</span></span></strong></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">财政部副部长廖岷介绍，“双贴息”政策期限一年，政策到期后将视情况研究是否延长。</span></span></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><strong data-source="cke"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">财政部副部长 廖岷：</span></span></span></strong><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">消费是经济增长的重要引擎，是畅通国内大循环的关键环节。</span></span></span><strong data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">个人消费贷款财政贴息政策</span></span></strong></span></strong><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">，</span></span></strong><span leaf=""><span textstyle="" style="font-size: 16px;">直接惠及广大人民群众，是中央财政首次对个人消费贷款进行贴息。</span></span></span></p><ul style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><strong data-source="cke"><span data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">贴息对象</span></span></strong></span></span><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">为居民使用相关贷款经办机构个人消费贷款中实际用于消费的部分，</span></span></strong><span leaf=""><span textstyle="" style="font-size: 16px;">包括单笔5万元以下的日常消费，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、电子产品和健康医疗等重点领域消费。</span></span></span></strong></p></li><li><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><strong data-source="cke"><span data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">贴息比例</span></span></strong></span></span><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">为1个百分点，</span></span></strong><span leaf=""><span textstyle="" style="font-size: 16px;">大体为当前商业银行个人消费贷款利率水平的三分之一，</span></span></span><strong data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">政策实施1年。</span></span></strong></span></strong></strong></p></li></ul><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">从消费结构看，目前我国服务消费仍具有较大增长潜力，要释放其潜力，需要有高品质的供给，因此，我们同步实施了</span></span></span><strong data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">服务业经营主体贷款贴息政策</span></span></strong></span></strong><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">。</span></span></strong></span></p><ul style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><strong data-source="cke"><span data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">贴息对象</span></span></strong></span></span><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">是向消费领域服务业消费经营主体发放的银行贷款，</span></span></strong><span leaf=""><span textstyle="" style="font-size: 16px;">聚焦餐饮住宿、健康、养老、托育、家政、文化娱乐、旅游、体育等八类主要消费服务业领域。</span></span></span></strong></p></li><li><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span data-source="cke"><strong data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">贴息比例</span></span></strong></span></strong></span><strong data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">为1个百分点，</span></span></strong><span leaf=""><span textstyle="" style="font-size: 16px;">可以贴息1年，服务业经营主体单户享受贴息的贷款规模最高100万元，单户享受贴息最高1万元。</span></span></span></strong></p></li></ul><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">这两项政策到期后，我们还会开展效果评估，研究视情延长政策期限、扩大支持范围和调整贷款经办范围。</span></span></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 17px;color: rgb(2, 30, 170);">贴息政策如何享受？测算和申请等工作主要由贷款经办机构完成</span></span></strong></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">财政部副部长廖岷表示，两项贴息政策在设计过程中，坚持了五方面原则，并且兼顾了消费的需求端和供给端。</span></span></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><strong data-source="cke"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">财政部副部长 廖岷：</span></span></span></strong></p><ul style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">一是坚持服务消费群体和经营者。</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">二是坚持简单易行。</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">三是坚持贴近生活。</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">四是坚持市场化、法治化运作。</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">五是坚持部门的协作。</span></span></span></p></section></li></ul><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">当前人民群众的消费需求日益呈现多层次、多样化特点。</span></span></span><strong data-source="cke"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 16px;">这两项贷款贴息政策分别从消费的需求端和供给端发力，将财政金融政策的着力点更多转向惠民生、促消费。</span></span></strong></span></strong></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 17px;color: rgb(2, 30, 170);">个人消费贷款符合什么条件才能享受贴息政策？</span></span></strong></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><strong data-source="cke"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">财政部金融司司长于红</span></span></span></strong><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">为大家介绍了具体规则。</span></span></span></p><ul style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">对于单笔5万元以下的消费，按照实际金额计算贴息，多笔叠加以后，在同一家贷款机构最高可以享受贴息1000元；</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">对于单笔5万元以上的消费，以5万元为上限来计算贴息，也可以多笔叠加，加上小额消费的贴息以后，在同一家贷款机构最高可享受贴息是3000元。</span></span></span></p></section></li></ul><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 17px;color: rgb(2, 30, 170);">个人消费贷款用于非消费领域将无法取得贴息资金</span></span></strong></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">财政部金融司司长于红还表示，个人消费贷款贴息政策支持的是消费者合理的借贷需求和真实的消费行为，</span></span></span><strong data-source="cke"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">如果借款人使用个人消费贷款用于一些非消费领域，或是其他违规套利行为，这不属于政策的支持范围，将无法取得贴息资金。</span></span></span></strong></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><strong><span leaf=""><span textstyle="" style="font-size: 17px;color: rgb(2, 30, 170);">享受贴息需要做哪些操作？财政部举例详解</span></span></strong></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span data-source="cke"><strong data-source="cke"><span data-source="cke"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;color: rgb(0, 122, 170);">个人消费贷款贴息具体操作</span></span></span></span></strong></span></p><ol style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">借款人在申请个人消费贷款签订相关贷款合同的同时，只需增加一个操作，就是要授予贷款经办机构相关权限，允许其识别贷款发放账户或者指定账户的交易信息。</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">对于已经签订的贷款，贷款经办机构可通过签订补充协议等方式来取得借款人的相关授权。贷款经办机构将根据实际消费情况，按照政策规定的要求来计算财政贴息金额，在定期收取贷款利息时，直接扣减由财政承担的贴息资金，借款人可通过短信、手机App等方式知晓享受财政贴息的具体情况，不需要额外操作。</span></span></span></p></section></li></ol><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">例如，如果一名消费者使用个人消费贷款，在政策执行期内花了20万元用于装修、购置家具家电等消费品，假设该笔消费贷款年利率为3%，在没有贴息的情况下，他全年需要支付贷款利息是6000元，享受个人消费贷款一个百分点的贴息以后，最高可减少利息支出2000元，这样就可以获得1/3的利息补贴。</span></span></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span leaf=""><br/></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span data-source="cke"><strong data-source="cke"><span data-source="cke"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;color: rgb(0, 122, 170);">服务业经营主体贷款贴息具体操作</span></span></span></span></strong></span></p><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">借款主体不需要进行贴息申请，只需按照正常的信贷流程在银行办理贷款。</span></span></span></p><ul style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">经办银行收到财政贴息资金以后，对经营主体已经支付的利息，一次性向经营主体返还对应的贴息资金；</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">对于经营主体未来需支付的利息，贷款经办银行在后续按期收取时，直接扣除对应的贴息资金。</span></span></span></p></section><section><p><span leaf="" style="color:rgba(0, 0, 0, 0.9);font-size:17px;font-family:mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height:1.6;letter-spacing:0.034em;font-style:normal;font-weight:normal;"><br/></span></p></section></li></ul><p style="margin: 5px 16px;line-height: 1.75em;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">假设一家餐馆在今年10月1日获得1年期的贷款90万元，用于引进设备、扩大场地等经营活动，可以享受的贴息一共是9000元，具体可以分为两个阶段：</span></span></span></p><ul style="margin:0px;padding:0 0 0 30px;list-style-position:outside;" class=" list-paddingleft-2"><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">假设经办银行明年2月收到财政部门拨付的贴息资金，以此作为时点来划分，经办银行需向该餐馆一次性返还3000元的贴息，将今年10月到明年1月的贴息结清；</span></span></span></p></section></li><li><section><p style="line-height: 1.75em;margin-bottom: 5px;margin-top: 5px;display: block;"><span 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;"><span leaf=""><span textstyle="" style="font-size: 16px;">另外，明年2月到9月，每个月都会直接扣除当月贴息，经营主体每月可以少交750元的利息。</span></span></span><strong style="background-color: rgb(255, 255, 255); text-align: right; outline: 0px; color: rgb(255, 255, 255); letter-spacing: 0.54px; caret-color: rgba(0, 0, 0, 0.9); font-size: 18px; line-height: 25.6px; font-family: 微软雅黑;"><span style="letter-spacing: 0.034em;outline: 0px;font-size: 20px;background-image: none;background-size: auto;bottom: auto;clear: none;height: auto;left: auto;max-height: none;min-height: 0px;min-width: 0px;top: auto;visibility: visible;z-index: auto;"><span leaf=""> 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