關于印發 《服務業經營主體貸款貼息政策實施方案》的通知

財金(jin)〔2025〕81號(hao)

各(ge)省、自(zi)(zi)治區、直(zhi)(zhi)轄市(shi)、計(ji)劃(hua)單(dan)列(lie)市(shi)財(cai)政(zheng)(zheng)廳(ting)(ting)（局(ju)(ju)）、民政(zheng)(zheng)廳(ting)(ting)（局(ju)(ju)）、人(ren)力(li)資源社(she)會保障(zhang)廳(ting)(ting)（局(ju)(ju)）、商務主管部門、文(wen)(wen)化和(he)旅(lv)游(you)廳(ting)(ting)（局(ju)(ju)）、衛生健康(kang)委、體(ti)育行(xing)(xing)政(zheng)(zheng)部門，新疆生產建設兵團財(cai)政(zheng)(zheng)局(ju)(ju)、民政(zheng)(zheng)局(ju)(ju)、人(ren)力(li)資源社(she)會保障(zhang)局(ju)(ju)、商務局(ju)(ju)、文(wen)(wen)化體(ti)育廣電和(he)旅(lv)游(you)局(ju)(ju)、衛生健康(kang)委，財(cai)政(zheng)(zheng)部各(ge)地(di)監管局(ju)(ju)，中國(guo)人(ren)民銀行(xing)(xing)上(shang)海總部及(ji)各(ge)省、自(zi)(zi)治區、直(zhi)(zhi)轄市(shi)、計(ji)劃(hua)單(dan)列(lie)市(shi)分(fen)行(xing)(xing)，金(jin)融(rong)監管總局(ju)(ju)各(ge)監管局(ju)(ju)，有關金(jin)融(rong)機構：

  為(wei)貫(guan)徹落實黨(dang)中央和國(guo)務院(yuan)關于大(da)力提振消(xiao)費、全方(fang)位擴大(da)國(guo)內需求的決策部署，我們研究制定了(le)《服務業經營主(zhu)體(ti)貸款(kuan)貼息政策實施方(fang)案》，現(xian)印發給你們，請認真貫(guan)徹落實。

財政部(bu)

民政部

人力資源(yuan)社會保障部

商務部

文化和旅游部

國家(jia)衛生健康委

中國人民銀行

金融監管(guan)總局

體育總局(ju)

2025年8月(yue)6日

服務業經營主體貸款貼息政策實施方案

  為貫徹(che)落實黨(dang)中央和國務(wu)院(yuan)關于大(da)力(li)提振消費、全(quan)方位擴大(da)國內需求(qiu)的決策(ce)部署(shu)，根據中央辦公(gong)廳、國務(wu)院(yuan)辦公(gong)廳印(yin)發的《提振消費專項(xiang)行動(dong)方案》關于2025年(nian)對符合條(tiao)件的消費領域服務(wu)業(ye)經(jing)營主(zhu)體(ti)貸款給予財政(zheng)貼(tie)息的要求(qiu)，充分發揮財政(zheng)政(zheng)策(ce)引導帶動(dong)作(zuo)用，推動(dong)降低服務(wu)業(ye)經(jing)營主(zhu)體(ti)融資成(cheng)本，助力(li)激發消費市場活力(li)，以高質量供給創造有效需求(qiu)，制定本實施方案。

  一、政(zheng)策內容

  （一(yi)）支持(chi)范(fan)圍。同時符(fu)合(he)(he)以下(xia)條(tiao)件的貸(dai)款(kuan)可享受(shou)貼息政(zheng)(zheng)(zheng)(zheng)策(ce)：一(yi)是(shi)(shi)由(you)經(jing)辦(ban)銀行(xing)向(xiang)餐(can)飲(yin)住宿(su)、健(jian)康(kang)、養老、托育(yu)(yu)、家政(zheng)(zheng)(zheng)(zheng)、文化娛(yu)樂、旅游(you)、體(ti)育(yu)(yu)8類(lei)消費(fei)領(ling)域服(fu)務業經(jing)營(ying)(ying)(ying)主(zhu)體(ti)發放。二(er)是(shi)(shi)在《提振消費(fei)專項行(xing)動方(fang)案》公開(kai)發布之日（2025年3月16日）至2025年12月31日期(qi)(qi)間簽訂貸(dai)款(kuan)合(he)(he)同且相關貸(dai)款(kuan)資金發放至經(jing)營(ying)(ying)(ying)主(zhu)體(ti)。三是(shi)(shi)貸(dai)款(kuan)資金合(he)(he)規用于(yu)改(gai)善消費(fei)基礎設施和(he)(he)提升服(fu)務供(gong)給(gei)能(neng)力。其(qi)中(zhong)(zhong)(zhong)：餐(can)飲(yin)住宿(su)、托育(yu)(yu)、家政(zheng)(zheng)(zheng)(zheng)、文化娛(yu)樂、體(ti)育(yu)(yu)領(ling)域對(dui)應《國(guo)(guo)民(min)(min)經(jing)濟行(xing)業分類(lei)》中(zhong)(zhong)(zhong)“住宿(su)和(he)(he)餐(can)飲(yin)業”、“居民(min)(min)服(fu)務、修理(li)和(he)(he)其(qi)他服(fu)務業”、“文化、體(ti)育(yu)(yu)和(he)(he)娛(yu)樂業”行(xing)業類(lei)別；旅游(you)、健(jian)康(kang)領(ling)域對(dui)應《國(guo)(guo)家旅游(you)及相關產(chan)業統計(ji)分類(lei)（2018）》和(he)(he)《健(jian)康(kang)產(chan)業統計(ji)分類(lei)（2019）》中(zhong)(zhong)(zhong)國(guo)(guo)民(min)(min)經(jing)濟行(xing)業分類(lei)代碼不帶*的行(xing)業類(lei)別；養老領(ling)域服(fu)務業經(jing)營(ying)(ying)(ying)主(zhu)體(ti)貸(dai)款(kuan)需(xu)符(fu)合(he)(he)中(zhong)(zhong)(zhong)國(guo)(guo)人(ren)(ren)(ren)(ren)民(min)(min)銀行(xing)養老產(chan)業貸(dai)款(kuan)統計(ji)標(biao)準。經(jing)營(ying)(ying)(ying)主(zhu)體(ti)指符(fu)合(he)(he)《中(zhong)(zhong)(zhong)華人(ren)(ren)(ren)(ren)民(min)(min)共和(he)(he)國(guo)(guo)市(shi)場主(zhu)體(ti)登記管(guan)理(li)條(tiao)例》規定(ding)，在我國(guo)(guo)境內(nei)以營(ying)(ying)(ying)利為目的從事經(jing)營(ying)(ying)(ying)活動的自然人(ren)(ren)(ren)(ren)、法(fa)人(ren)(ren)(ren)(ren)及非法(fa)人(ren)(ren)(ren)(ren)組(zu)織。民(min)(min)辦(ban)非企業法(fa)人(ren)(ren)(ren)(ren)的養老服(fu)務機構同等享受(shou)貸(dai)款(kuan)貼息政(zheng)(zheng)(zheng)(zheng)策(ce)。四是(shi)(shi)政(zheng)(zheng)(zheng)(zheng)策(ce)到期(qi)(qi)后(hou)，可視實施效果(guo)研究延長政(zheng)(zheng)(zheng)(zheng)策(ce)期(qi)(qi)限、擴大支持(chi)范(fan)圍。

  （二）貼(tie)息(xi)標(biao)準。對于(yu)(yu)經(jing)辦銀行向(xiang)服(fu)務業經(jing)營(ying)主(zhu)體(ti)發放的貸(dai)(dai)(dai)款(kuan)，財(cai)政(zheng)部(bu)門按(an)照貸(dai)(dai)(dai)款(kuan)本金對經(jing)營(ying)主(zhu)體(ti)進行貼(tie)息(xi)，貼(tie)息(xi)期限不(bu)(bu)超過1年(nian)，年(nian)貼(tie)息(xi)比例(li)為1個百分(fen)點，中央(yang)財(cai)政(zheng)、省級財(cai)政(zheng)分(fen)別承擔貼(tie)息(xi)資金的90%、10%。單戶享受(shou)貼(tie)息(xi)的貸(dai)(dai)(dai)款(kuan)規模最高可達100萬元。相(xiang)關貸(dai)(dai)(dai)款(kuan)包括(kuo)用于(yu)(yu)改善消費基礎設施的固(gu)定資產貸(dai)(dai)(dai)款(kuan)以(yi)及用于(yu)(yu)提(ti)升服(fu)務供給(gei)能力的流動(dong)資金貸(dai)(dai)(dai)款(kuan)。同一筆貸(dai)(dai)(dai)款(kuan)不(bu)(bu)得重復(fu)享受(shou)中央(yang)財(cai)政(zheng)其他貼(tie)息(xi)政(zheng)策(ce)；已享受(shou)地(di)方財(cai)政(zheng)相(xiang)關貼(tie)息(xi)政(zheng)策(ce)的，此次貼(tie)息(xi)不(bu)(bu)得超出扣(kou)除已有(you)貼(tie)息(xi)后的實際(ji)利率水平(ping)。

  （三）貸款(kuan)經辦(ban)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)。中(zhong)(zhong)央財(cai)政給予(yu)貼(tie)息的服務(wu)業(ye)經營主體貸款(kuan)經辦(ban)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)為21家全國(guo)(guo)(guo)性(xing)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)，包括國(guo)(guo)(guo)家開發(fa)(fa)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)、中(zhong)(zhong)國(guo)(guo)(guo)進出口銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)、中(zhong)(zhong)國(guo)(guo)(guo)農業(ye)發(fa)(fa)展(zhan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)、中(zhong)(zhong)國(guo)(guo)(guo)工商(shang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)國(guo)(guo)(guo)農業(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)國(guo)(guo)(guo)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)國(guo)(guo)(guo)建設銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、交通銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)國(guo)(guo)(guo)郵政儲蓄銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)信銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)國(guo)(guo)(guo)光(guang)大銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、華夏銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、中(zhong)(zhong)國(guo)(guo)(guo)民(min)生銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、招(zhao)商(shang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、興業(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、廣發(fa)(fa)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、平安銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、上海(hai)浦(pu)東發(fa)(fa)展(zhan)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、恒豐銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、浙商(shang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)、渤海(hai)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)股(gu)(gu)(gu)(gu)份(fen)(fen)(fen)有(you)(you)(you)限(xian)(xian)(xian)公(gong)(gong)司(si)(si)(si)(si)。

  二、貸款(kuan)流程

  （一）貸款申請。符合條件的服務業經(jing)營主體可向所在地(di)相關(guan)經(jing)辦銀行提出貸款申請，并(bing)按要求提供相關(guan)證(zheng)明材料。

  （二(er)）審(shen)批發(fa)(fa)放。經辦(ban)銀行按照市場化、法治(zhi)化原則審(shen)批貸款(kuan)申請，自(zi)主(zhu)決策貸款(kuan)發(fa)(fa)放條(tiao)件(jian)(jian)并及(ji)時放款(kuan)。經辦(ban)銀行應與符合貼息條(tiao)件(jian)(jian)的經營主(zhu)體簽(qian)訂貸款(kuan)合同，明確(que)貼息享受(shou)條(tiao)件(jian)(jian)、貸款(kuan)資金用途、貸后管(guan)理要求(qiu)等內容，對于(yu)2025年3月(yue)16日至(zhi)本(ben)方案(an)印發(fa)(fa)之日期間發(fa)(fa)放的貸款(kuan)通過簽(qian)訂補充合同或協(xie)議予以明確(que)。

  （三）定期(qi)審核(he)。全國(guo)性銀(yin)行(xing)省(sheng)級(ji)(ji)分行(xing)（以下簡稱省(sheng)行(xing)）按月(yue)匯(hui)總(zong)本地區符合貼(tie)息條件(jian)的(de)服務業經營(ying)主體貸款(kuan)(kuan)發(fa)放情況，每月(yue)5日前(qian)將上(shang)月(yue)新增及累計貸款(kuan)(kuan)發(fa)放情況報(bao)省(sheng)級(ji)(ji)民(min)政(zheng)、人(ren)力資(zi)源社會保障、商務、文化和(he)(he)旅游(you)、衛生健康、體育(yu)等行(xing)業管(guan)理部門審核(he)。省(sheng)級(ji)(ji)行(xing)業管(guan)理部門重點審核(he)經辦(ban)銀(yin)行(xing)省(sheng)行(xing)報(bao)送的(de)本領域服務業經營(ying)主體貸款(kuan)(kuan)是否符合支持(chi)范圍(wei)和(he)(he)貼(tie)息條件(jian)，按季(ji)匯(hui)總(zong)審核(he)結果，于下季(ji)度首月(yue)15日前(qian)反饋省(sheng)級(ji)(ji)財政(zheng)部門和(he)(he)金融管(guan)理部門，函送經辦(ban)銀(yin)行(xing)省(sheng)行(xing)。

  三、貼息流(liu)程

  （一）貼(tie)息資(zi)金需(xu)求申(shen)請。政(zheng)策到期后，經辦銀(yin)行省(sheng)行結合相關部(bu)(bu)門審(shen)核檢查情況，及(ji)時匯(hui)總本地區符合貼(tie)息條件的已發放貸款，于2026年(nian)1月底(di)前(qian)向所在地省(sheng)級(ji)財(cai)政(zheng)部(bu)(bu)門提(ti)出貼(tie)息資(zi)金需(xu)求申(shen)請，并對申(shen)請材(cai)料的真實性(xing)(xing)、合規性(xing)(xing)、準(zhun)確性(xing)(xing)負(fu)責。

  （二）貼息(xi)資(zi)金(jin)結算(suan)申請。省級(ji)財(cai)(cai)政(zheng)部門(men)收到經(jing)辦銀行省行貼息(xi)資(zi)金(jin)申請后，及時(shi)與行業管理部門(men)審核情(qing)況進行比(bi)對，確(que)認本地區符合條件(jian)的貼息(xi)資(zi)金(jin)申請，于2026年2月(yue)底(di)前向財(cai)(cai)政(zheng)部提(ti)交貼息(xi)資(zi)金(jin)結算(suan)申請報告(gao)，并抄送財(cai)(cai)政(zheng)部當(dang)地監管局。

  （三(san)）貼息(xi)資(zi)(zi)金結(jie)(jie)(jie)算(suan)。財(cai)政(zheng)(zheng)(zheng)部根據各省(sheng)級(ji)(ji)財(cai)政(zheng)(zheng)(zheng)部門貼息(xi)資(zi)(zi)金結(jie)(jie)(jie)算(suan)申請(qing)報告，結(jie)(jie)(jie)合(he)預算(suan)安排(pai)等(deng)情況，與各省(sheng)級(ji)(ji)財(cai)政(zheng)(zheng)(zheng)部門結(jie)(jie)(jie)算(suan)并撥(bo)付中央(yang)財(cai)政(zheng)(zheng)(zheng)承(cheng)擔的(de)貼息(xi)資(zi)(zi)金。財(cai)政(zheng)(zheng)(zheng)部可視政(zheng)(zheng)(zheng)策實(shi)施情況適時組(zu)織各省(sheng)級(ji)(ji)財(cai)政(zheng)(zheng)(zheng)部門提前或分階段(duan)開展結(jie)(jie)(jie)算(suan)工(gong)作。

  （四）貼(tie)(tie)息資(zi)(zi)金(jin)撥(bo)(bo)付(fu)(fu)(fu)。省級(ji)財政部(bu)(bu)(bu)門(men)在(zai)收(shou)到(dao)財政部(bu)(bu)(bu)撥(bo)(bo)付(fu)(fu)(fu)資(zi)(zi)金(jin)后10個工(gong)作日內，向(xiang)經(jing)辦銀(yin)行(xing)省行(xing)撥(bo)(bo)付(fu)(fu)(fu)中(zhong)央財政和省級(ji)財政貼(tie)(tie)息資(zi)(zi)金(jin)。經(jing)辦銀(yin)行(xing)收(shou)到(dao)省級(ji)財政部(bu)(bu)(bu)門(men)撥(bo)(bo)付(fu)(fu)(fu)的(de)貼(tie)(tie)息資(zi)(zi)金(jin)后，對(dui)已付(fu)(fu)(fu)部(bu)(bu)(bu)分利息，及時向(xiang)經(jing)營(ying)主(zhu)體返還(huan)對(dui)應貼(tie)(tie)息資(zi)(zi)金(jin)；對(dui)未(wei)付(fu)(fu)(fu)部(bu)(bu)(bu)分利息，在(zai)向(xiang)經(jing)營(ying)主(zhu)體按(an)期收(shou)息時扣除(chu)對(dui)應貼(tie)(tie)息資(zi)(zi)金(jin)。經(jing)辦銀(yin)行(xing)收(shou)到(dao)貼(tie)(tie)息資(zi)(zi)金(jin)后，應于每(mei)月末以適當方(fang)式向(xiang)社會公(gong)開貼(tie)(tie)息資(zi)(zi)金(jin)流向(xiang)情況。

  （五）貼(tie)息(xi)(xi)資(zi)金(jin)清(qing)(qing)算。經辦銀行(xing)省(sheng)(sheng)行(xing)要根(gen)據已簽(qian)訂貸(dai)(dai)款(kuan)合同和貼(tie)息(xi)(xi)資(zi)金(jin)使(shi)用情況(kuang)建立(li)月(yue)度臺賬(zhang)，列(lie)明經營主體名稱(cheng)及(ji)(ji)領域(yu)、貸(dai)(dai)款(kuan)金(jin)額及(ji)(ji)利(li)率、是否(fou)在合同中(zhong)明確(que)貼(tie)息(xi)(xi)要求、實際使(shi)用貼(tie)息(xi)(xi)金(jin)額等方面情況(kuang)。經辦銀行(xing)省(sheng)(sheng)行(xing)應于(yu)2027年1月(yue)15日(ri)前向省(sheng)(sheng)級(ji)財(cai)(cai)政(zheng)(zheng)部(bu)門(men)提出貼(tie)息(xi)(xi)資(zi)金(jin)清(qing)(qing)算申(shen)請，后附匯總(zong)臺賬(zhang)，并(bing)抄送財(cai)(cai)政(zheng)(zheng)部(bu)當地監管(guan)局。省(sheng)(sheng)級(ji)財(cai)(cai)政(zheng)(zheng)部(bu)門(men)應于(yu)2027年2月(yue)15日(ri)前匯總(zong)經辦銀行(xing)省(sheng)(sheng)行(xing)的貼(tie)息(xi)(xi)資(zi)金(jin)清(qing)(qing)算申(shen)請，審(shen)核后向財(cai)(cai)政(zheng)(zheng)部(bu)提交貼(tie)息(xi)(xi)資(zi)金(jin)清(qing)(qing)算報告，并(bing)抄送財(cai)(cai)政(zheng)(zheng)部(bu)當地監管(guan)局。財(cai)(cai)政(zheng)(zheng)部(bu)根(gen)據各省(sheng)(sheng)級(ji)財(cai)(cai)政(zheng)(zheng)部(bu)門(men)貼(tie)息(xi)(xi)資(zi)金(jin)清(qing)(qing)算報告，及(ji)(ji)時與各省(sheng)(sheng)級(ji)財(cai)(cai)政(zheng)(zheng)部(bu)門(men)清(qing)(qing)算貼(tie)息(xi)(xi)資(zi)金(jin)。

  （六）貼(tie)息資金(jin)監(jian)督。財(cai)政(zheng)部(bu)各地監(jian)管局(ju)依據省(sheng)級財(cai)政(zheng)部(bu)門(men)貼(tie)息資金(jin)結算申(shen)請報(bao)告(gao)、經(jing)辦銀行(xing)省(sheng)行(xing)貼(tie)息資金(jin)清(qing)算申(shen)請、省(sheng)級財(cai)政(zheng)部(bu)門(men)貼(tie)息資金(jin)清(qing)算報(bao)告(gao)以及日常工作中(zhong)掌(zhang)握(wo)的相關情況，對(dui)當地貼(tie)息資金(jin)管理(li)情況進行(xing)監(jian)督抽查(cha)，有(you)關部(bu)門(men)、單位應當予以積極配合(he)。

  四、監(jian)督管(guan)理(li)

  （一）壓實各方責(ze)(ze)任。實行(xing)地方政(zheng)府統籌組織、省(sheng)級行(xing)業管(guan)(guan)理(li)部門(men)審(shen)核(he)監(jian)督、省(sheng)級財政(zheng)部門(men)保障(zhang)貼息需求的“自審(shen)自貼”模式。經辦銀(yin)行(xing)承(cheng)擔審(shen)貸(dai)主體責(ze)(ze)任，合(he)理(li)匹配優惠(hui)信貸(dai)額度，從嚴(yan)審(shen)批(pi)、從快放款(kuan)，并強(qiang)化(hua)貸(dai)后管(guan)(guan)理(li)。有關行(xing)業管(guan)(guan)理(li)部門(men)加強(qiang)行(xing)業監(jian)督，嚴(yan)格審(shen)核(he)把關。金(jin)(jin)(jin)融監(jian)管(guan)(guan)部門(men)加強(qiang)日常監(jian)管(guan)(guan)，督促經辦銀(yin)行(xing)審(shen)核(he)資(zi)(zi)金(jin)(jin)(jin)用途和(he)跟(gen)蹤貸(dai)款(kuan)實際使用情況(kuang)，確保貸(dai)款(kuan)資(zi)(zi)金(jin)(jin)(jin)合(he)規(gui)和(he)有效使用。財政(zheng)部門(men)加強(qiang)貼息資(zi)(zi)金(jin)(jin)(jin)管(guan)(guan)理(li)，動(dong)態掌握貸(dai)款(kuan)發放進(jin)度和(he)貼息資(zi)(zi)金(jin)(jin)(jin)需求情況(kuang)，合(he)理(li)確定貼息資(zi)(zi)金(jin)(jin)(jin)撥付頻次與結(jie)算(suan)周期。中(zhong)國人民銀(yin)行(xing)省(sheng)級分行(xing)與省(sheng)級財政(zheng)部門(men)共享相關政(zheng)策(ce)(ce)執行(xing)情況(kuang)，強(qiang)化(hua)貨幣政(zheng)策(ce)(ce)和(he)財政(zheng)政(zheng)策(ce)(ce)協同(tong)聯(lian)動(dong)。

  （二）嚴(yan)(yan)控資(zi)金(jin)(jin)流(liu)向(xiang)。經(jing)(jing)營(ying)主(zhu)(zhu)體要(yao)確保將貸款資(zi)金(jin)(jin)用(yong)(yong)于(yu)開展合(he)(he)規經(jing)(jing)營(ying)活動、提升(sheng)服(fu)務供給能力、改(gai)善(shan)消(xiao)費基礎(chu)設施，嚴(yan)(yan)禁(jin)虛報、冒領、套取、截(jie)留(liu)、擠占(zhan)、挪用(yong)(yong)貸款資(zi)金(jin)(jin)，嚴(yan)(yan)禁(jin)將貸款資(zi)金(jin)(jin)用(yong)(yong)于(yu)房地產開發或投資(zi)、理(li)財(cai)等套利活動。經(jing)(jing)辦銀(yin)行要(yao)嚴(yan)(yan)格(ge)按照相關(guan)部門(men)審核檢查結果申領貼息資(zi)金(jin)(jin)，確保貼息資(zi)金(jin)(jin)合(he)(he)規用(yong)(yong)于(yu)向(xiang)符合(he)(he)貼息條件的經(jing)(jing)營(ying)主(zhu)(zhu)體兌(dui)付，嚴(yan)(yan)禁(jin)經(jing)(jing)辦銀(yin)行和經(jing)(jing)營(ying)主(zhu)(zhu)體套取貼息資(zi)金(jin)(jin)。

  （三）嚴格(ge)責任(ren)(ren)追(zhui)究。有關(guan)(guan)方(fang)面發現貸款資(zi)(zi)金使用、貼(tie)息資(zi)(zi)金申(shen)領等違(wei)反政策(ce)規(gui)定的，要(yao)及時追(zhui)回相關(guan)(guan)信貸資(zi)(zi)金和財政貼(tie)息資(zi)(zi)金，并依法(fa)依規(gui)對(dui)經(jing)營(ying)主體和經(jing)辦銀行(xing)進行(xing)處(chu)罰。相關(guan)(guan)經(jing)營(ying)主體、經(jing)辦銀行(xing)要(yao)自覺接受有關(guan)(guan)部門(men)的監督檢查。工(gong)作(zuo)人員存在違(wei)反本通知要(yao)求以(yi)及其他(ta)濫用職權、玩忽職守、徇私舞(wu)弊等違(wei)法(fa)違(wei)規(gui)行(xing)為的，依法(fa)依規(gui)追(zhui)究相應責任(ren)(ren)；涉嫌犯罪的，依法(fa)移送有關(guan)(guan)機關(guan)(guan)處(chu)理。

  附件：服務業(ye)經(jing)營主體(ti)貸款(kuan)貼息政策支持范圍參考

附件(jian)：

服務業經營主體貸款貼息政策支持范圍參考

  為(wei)指導各地區(qu)各相關部門做好服(fu)務(wu)業經營主體貸款(kuan)貼息工(gong)作(zuo)(zuo)，現參照《國民經濟行(xing)(xing)業分類(lei)》梳(shu)理相關領域支持(chi)行(xing)(xing)業范圍(wei)如下，供各地在實際工(gong)作(zuo)(zuo)中參考借(jie)鑒(jian)。

  一、餐(can)(can)飲(yin)住宿(su)(su)領域。支持(chi)正餐(can)(can)服(fu)(fu)務(wu)(wu)、快餐(can)(can)服(fu)(fu)務(wu)(wu)、飲(yin)料及冷(leng)飲(yin)服(fu)(fu)務(wu)(wu)、餐(can)(can)飲(yin)配(pei)送及外(wai)賣送餐(can)(can)服(fu)(fu)務(wu)(wu)、小吃服(fu)(fu)務(wu)(wu)等餐(can)(can)飲(yin)服(fu)(fu)務(wu)(wu)相關經(jing)營(ying)主體提(ti)升餐(can)(can)飲(yin)服(fu)(fu)務(wu)(wu)品(pin)質，強化(hua)食品(pin)安全保障，加強特(te)色餐(can)(can)飲(yin)文化(hua)培育；支持(chi)旅館服(fu)(fu)務(wu)(wu)、旅游飯(fan)店服(fu)(fu)務(wu)(wu)、民宿(su)(su)服(fu)(fu)務(wu)(wu)、露營(ying)地服(fu)(fu)務(wu)(wu)等住宿(su)(su)服(fu)(fu)務(wu)(wu)相關經(jing)營(ying)主體改善住宿(su)(su)服(fu)(fu)務(wu)(wu)環境，加強設備更新和基礎(chu)設施升級(ji)，強化(hua)住宿(su)(su)服(fu)(fu)務(wu)(wu)與旅游、康養、研學等業(ye)態(tai)融合。

  二、健(jian)康(kang)(kang)領(ling)域。支持醫(yi)療(liao)(liao)衛生服務(wu)(wu)，健(jian)康(kang)(kang)事務(wu)(wu)、健(jian)康(kang)(kang)環境管理與科研(yan)技術服務(wu)(wu)，健(jian)康(kang)(kang)促(cu)進服務(wu)(wu)，健(jian)康(kang)(kang)保障與金融服務(wu)(wu)，藥品(pin)及(ji)其他健(jian)康(kang)(kang)產(chan)品(pin)流通服務(wu)(wu)，醫(yi)藥制(zhi)(zhi)造，醫(yi)療(liao)(liao)儀器(qi)設備及(ji)器(qi)械(xie)制(zhi)(zhi)造，健(jian)康(kang)(kang)用品(pin)、器(qi)材與智能設備制(zhi)(zhi)造，中藥材種植、養殖和(he)(he)采集等相關經營主(zhu)體提升為社會公眾提供各種健(jian)康(kang)(kang)及(ji)相關產(chan)品(pin)、貨物、服務(wu)(wu)的水平和(he)(he)能力，維護、改善(shan)和(he)(he)促(cu)進人民群眾健(jian)康(kang)(kang)。

  三、養(yang)(yang)老(lao)(lao)(lao)領(ling)域。支持養(yang)(yang)老(lao)(lao)(lao)照護(hu)服(fu)務(wu)、老(lao)(lao)(lao)年(nian)(nian)(nian)醫療衛(wei)生服(fu)務(wu)、老(lao)(lao)(lao)年(nian)(nian)(nian)健(jian)(jian)康(kang)促進(jin)與社(she)(she)會(hui)參與、老(lao)(lao)(lao)年(nian)(nian)(nian)社(she)(she)會(hui)保障、養(yang)(yang)老(lao)(lao)(lao)教育培訓(xun)和人(ren)(ren)力資源(yuan)服(fu)務(wu)、養(yang)(yang)老(lao)(lao)(lao)金融(rong)服(fu)務(wu)、養(yang)(yang)老(lao)(lao)(lao)科(ke)技和智(zhi)慧養(yang)(yang)老(lao)(lao)(lao)服(fu)務(wu)、養(yang)(yang)老(lao)(lao)(lao)公共服(fu)務(wu)、老(lao)(lao)(lao)年(nian)(nian)(nian)用品(pin)及(ji)相(xiang)關(guan)產(chan)(chan)品(pin)制造、老(lao)(lao)(lao)年(nian)(nian)(nian)用品(pin)及(ji)相(xiang)關(guan)產(chan)(chan)品(pin)銷售(shou)和租賃、養(yang)(yang)老(lao)(lao)(lao)設施建設等相(xiang)關(guan)經(jing)營(ying)主體提升為社(she)(she)會(hui)公眾(zhong)提供各種養(yang)(yang)老(lao)(lao)(lao)及(ji)相(xiang)關(guan)產(chan)(chan)品(pin)、貨物、服(fu)務(wu)的水平和能力，保障和改(gai)善老(lao)(lao)(lao)年(nian)(nian)(nian)人(ren)(ren)生活、健(jian)(jian)康(kang)、安全以及(ji)參與社(she)(she)會(hui)發展。

  四(si)、托育、家政領域。支持提供托育服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)的經(jing)(jing)營(ying)主體新建、改擴(kuo)建及日常(chang)運營(ying)，優化(hua)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)設施布局，提升(sheng)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)能力和(he)(he)水平(ping)；支持家庭服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)、洗(xi)染服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)、理發及美容服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)、洗(xi)浴和(he)(he)保健(jian)養生服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)、攝影擴(kuo)印服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)等(deng)居民服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)相關經(jing)(jing)營(ying)主體提升(sheng)服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)和(he)(he)管(guan)理水平(ping)，擴(kuo)大家政服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)供給，強化(hua)家政服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)員技能培訓，加強家政服(fu)(fu)(fu)(fu)(fu)(fu)(fu)(fu)務(wu)(wu)品牌建設。

  五、文化娛(yu)樂、旅(lv)游領(ling)域。支持(chi)(chi)新聞和出(chu)版業，廣(guang)播、電視、電影和錄音制作業，文藝(yi)創(chuang)作與表(biao)演、藝(yi)術場(chang)館(guan)(guan)、圖書館(guan)(guan)與檔(dang)案(an)館(guan)(guan)、文物及(ji)非物質(zhi)文化遺產保護、博(bo)物館(guan)(guan)、烈士陵園(yuan)(yuan)、紀(ji)念(nian)館(guan)(guan)、群(qun)眾文體(ti)活(huo)動(dong)(dong)等(deng)文化藝(yi)術業，歌舞廳、電子游藝(yi)廳、網吧等(deng)室內娛(yu)樂活(huo)動(dong)(dong)，游樂園(yuan)(yuan)、休閑觀(guan)光(guang)活(huo)動(dong)(dong)、彩(cai)票活(huo)動(dong)(dong)、文化體(ti)育(yu)娛(yu)樂活(huo)動(dong)(dong)與經紀(ji)代(dai)理服(fu)(fu)務(wu)等(deng)娛(yu)樂業，城市(shi)公園(yuan)(yuan)管(guan)理、游覽景(jing)區管(guan)理、旅(lv)行社及(ji)相關(guan)(guan)服(fu)(fu)務(wu)等(deng)旅(lv)游業相關(guan)(guan)經營主(zhu)體(ti)，豐富文化娛(yu)樂和旅(lv)游活(huo)動(dong)(dong)供(gong)給，激發居民度假、出(chu)游、觀(guan)光(guang)、娛(yu)樂休閑等(deng)各類文化娛(yu)樂和旅(lv)游活(huo)動(dong)(dong)消(xiao)費潛力；支持(chi)(chi)鐵路、公路、水上、航(hang)空(kong)旅(lv)客(ke)運(yun)(yun)輸服(fu)(fu)務(wu)以及(ji)空(kong)中(zhong)交通管(guan)理、觀(guan)光(guang)游覽航(hang)空(kong)服(fu)(fu)務(wu)、旅(lv)客(ke)票務(wu)代(dai)理等(deng)，支持(chi)(chi)客(ke)運(yun)(yun)火車站、客(ke)運(yun)(yun)港口、機場(chang)等(deng)交通服(fu)(fu)務(wu)基礎設施提升交通運(yun)(yun)輸品質(zhi)，便利(li)旅(lv)客(ke)出(chu)行。

  六(liu)、體(ti)(ti)(ti)育(yu)(yu)領(ling)域。支持體(ti)(ti)(ti)育(yu)(yu)競賽組(zu)織、體(ti)(ti)(ti)育(yu)(yu)保障組(zu)織等(deng)體(ti)(ti)(ti)育(yu)(yu)組(zu)織，體(ti)(ti)(ti)育(yu)(yu)場(chang)地設(she)施管理服(fu)務、健(jian)身休閑活動(dong)服(fu)務、體(ti)(ti)(ti)育(yu)(yu)中介代理、體(ti)(ti)(ti)育(yu)(yu)健(jian)康服(fu)務等(deng)體(ti)(ti)(ti)育(yu)(yu)服(fu)務相關經營主體(ti)(ti)(ti)增(zeng)加體(ti)(ti)(ti)育(yu)(yu)消費(fei)場(chang)所，舉辦各類(lei)體(ti)(ti)(ti)育(yu)(yu)賽事活動(dong)，加強體(ti)(ti)(ti)育(yu)(yu)賽事品牌建設(she)，推動(dong)體(ti)(ti)(ti)育(yu)(yu)運動(dong)普及。

關于印發《個人消費貸款財政貼息政策實施方案》的通知

財金〔2025〕80 號(hao)

各省、自(zi)治區、直轄(xia)市(shi)、計(ji)劃單列市(shi)財政廳（局），新疆生產建設兵團財政局，中(zhong)國人民銀行(xing)上海總部(bu)，各省、自(zi)治區、直轄(xia)市(shi)及計(ji)劃單列市(shi)分(fen)行(xing)，金(jin)融監管(guan)總局各監管(guan)局，有關金(jin)融機構：

  為貫徹落實黨中央、國務院(yuan)關(guan)于大(da)力提振消費(fei)、全方位(wei)擴大(da)國內需求的(de)決(jue)策部署，我(wo)們研究制定了《個人消費(fei)貸款財(cai)政貼息(xi)政策實施方案》，現(xian)印發給你們，請遵照執行。

財政部

中國人民銀行

金融(rong)監管(guan)總局

2025年8月4日

個人消費貸款財政貼息政策實施方案

  為貫徹落實(shi)黨中(zhong)央和國(guo)務院(yuan)關于大(da)力(li)提振(zhen)消費(fei)(fei)、全方(fang)位擴大(da)國(guo)內需求(qiu)的(de)決(jue)策部署(shu)，根據中(zhong)央辦公(gong)廳、國(guo)務院(yuan)辦公(gong)廳印發的(de)《提振(zhen)消費(fei)(fei)專項行動方(fang)案》關于2025年對符合條(tiao)件的(de)個人(ren)消費(fei)(fei)貸款給予財(cai)政(zheng)貼息的(de)要求(qiu)，更好發揮(hui)財(cai)政(zheng)資金對提振(zhen)消費(fei)(fei)的(de)支持引導(dao)作用，降低(di)居(ju)民消費(fei)(fei)信貸成本(ben)，助(zhu)力(li)釋放居(ju)民消費(fei)(fei)潛力(li)，促(cu)進(jin)經(jing)濟加快(kuai)向好發展，制(zhi)定本(ben)實(shi)施方(fang)案。

  一、政策內容

  （一）支持范(fan)(fan)圍。2025年9月1日至2026年8月31日期間，居(ju)民個(ge)人使用(yong)(yong)貸(dai)款(kuan)(kuan)經辦機(ji)構(gou)發放的(de)個(ge)人消(xiao)費(fei)(fei)貸(dai)款(kuan)(kuan)（不含信用(yong)(yong)卡業務(wu)）中(zhong)實(shi)際用(yong)(yong)于消(xiao)費(fei)(fei)，且貸(dai)款(kuan)(kuan)經辦機(ji)構(gou)可通過貸(dai)款(kuan)(kuan)發放賬(zhang)戶(hu)等識別借款(kuan)(kuan)人相關消(xiao)費(fei)(fei)交易信息(xi)(xi)的(de)部分(fen)，可按規定享受(shou)貼(tie)息(xi)(xi)政策(ce)(ce)。貼(tie)息(xi)(xi)范(fan)(fan)圍包括單(dan)(dan)筆(bi)5萬(wan)元(yuan)以下(xia)消(xiao)費(fei)(fei)，以及單(dan)(dan)筆(bi)5萬(wan)元(yuan)及以上(shang)的(de)家用(yong)(yong)汽車、養老生(sheng)育(yu)、教育(yu)培訓、文化旅(lv)游、家居(ju)家裝、電子產品(pin)、健(jian)康醫療等重點(dian)領域消(xiao)費(fei)(fei)（詳(xiang)見附件1）。對于單(dan)(dan)筆(bi)5萬(wan)元(yuan)以上(shang)的(de)消(xiao)費(fei)(fei)，以5萬(wan)元(yuan)消(xiao)費(fei)(fei)額度為(wei)上(shang)限進行貼(tie)息(xi)(xi)。政策(ce)(ce)到期后，可視實(shi)施效果(guo)研究(jiu)延長政策(ce)(ce)期限、擴(kuo)大支持范(fan)(fan)圍。

  （二）貼(tie)息標準。年貼(tie)息比例(li)為1個(ge)百分點（按符(fu)(fu)合(he)(he)條(tiao)件(jian)的(de)(de)(de)實際用于消(xiao)費(fei)(fei)的(de)(de)(de)個(ge)人消(xiao)費(fei)(fei)貸款本金(jin)(jin)計算），且最(zui)高(gao)不超過(guo)貸款合(he)(he)同(tong)利率的(de)(de)(de)50%，中(zhong)央財(cai)政(zheng)、省級(ji)財(cai)政(zheng)分別承擔貼(tie)息資金(jin)(jin)的(de)(de)(de)90%、10%。貸款合(he)(he)同(tong)利率需(xu)要符(fu)(fu)合(he)(he)相應利率自律(lv)約(yue)定。政(zheng)策執行期內，每名借款人在(zai)一家貸款經辦機構可享(xiang)受的(de)(de)(de)全部個(ge)人消(xiao)費(fei)(fei)貸款累(lei)計貼(tie)息上(shang)限(xian)為3000元(yuan)(yuan)（對(dui)應符(fu)(fu)合(he)(he)條(tiao)件(jian)的(de)(de)(de)累(lei)計消(xiao)費(fei)(fei)金(jin)(jin)額30萬(wan)元(yuan)(yuan)），其(qi)中(zhong)在(zai)一家貸款經辦機構可享(xiang)受單(dan)筆(bi)5萬(wan)元(yuan)(yuan)以下的(de)(de)(de)個(ge)人消(xiao)費(fei)(fei)貸款累(lei)計貼(tie)息上(shang)限(xian)為1000元(yuan)(yuan)（對(dui)應符(fu)(fu)合(he)(he)條(tiao)件(jian)的(de)(de)(de)累(lei)計消(xiao)費(fei)(fei)金(jin)(jin)額10萬(wan)元(yuan)(yuan)）。

  （三(san)）貸款(kuan)(kuan)經辦機(ji)構。一是(shi)6家國(guo)有(you)(you)(you)(you)(you)(you)(you)(you)大型商(shang)(shang)業(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)，包括中(zhong)國(guo)工商(shang)(shang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)國(guo)農業(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)國(guo)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)國(guo)建(jian)設銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、交通銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)國(guo)郵政(zheng)(zheng)儲蓄銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)。二是(shi)12家全國(guo)性股(gu)份(fen)(fen)(fen)(fen)(fen)制商(shang)(shang)業(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)，包括中(zhong)信銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)國(guo)光大銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、華(hua)夏銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)國(guo)民生銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、招(zhao)商(shang)(shang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、興業(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、廣發(fa)(fa)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、平(ping)安(an)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、上海浦東(dong)發(fa)(fa)展銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、恒(heng)豐銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、浙商(shang)(shang)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、渤海銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)。三(san)是(shi)5家其他個人(ren)(ren)消(xiao)費貸款(kuan)(kuan)發(fa)(fa)放(fang)機(ji)構，包括深圳(zhen)前海微眾銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、重慶螞蟻消(xiao)費金(jin)(jin)融(rong)(rong)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、招(zhao)聯消(xiao)費金(jin)(jin)融(rong)(rong)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、興業(ye)消(xiao)費金(jin)(jin)融(rong)(rong)股(gu)份(fen)(fen)(fen)(fen)(fen)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)、中(zhong)銀(yin)(yin)(yin)(yin)(yin)消(xiao)費金(jin)(jin)融(rong)(rong)有(you)(you)(you)(you)(you)(you)(you)(you)限(xian)(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)司(si)(si)(si)(si)。鼓勵地方財(cai)政(zheng)(zheng)部門結(jie)合實際(ji)情(qing)況對其他經營個人(ren)(ren)消(xiao)費貸款(kuan)(kuan)業(ye)務的金(jin)(jin)融(rong)(rong)機(ji)構給予財(cai)政(zheng)(zheng)貼息支持，擴(kuo)大政(zheng)(zheng)策(ce)覆(fu)蓋面。

  二、組織實施

  （一(yi)(yi)）貼(tie)息(xi)資(zi)金(jin)(jin)(jin)預(yu)(yu)撥。自本(ben)實施(shi)方案發(fa)布之(zhi)日起30天內，貸款(kuan)經(jing)辦機(ji)(ji)構(gou)總(zong)部(bu)預(yu)(yu)估總(zong)體及分(fen)省份個(ge)人(ren)消費(fei)(fei)貸款(kuan)發(fa)放情況(kuang)和貼(tie)息(xi)資(zi)金(jin)(jin)(jin)需求(qiu)，向財(cai)政(zheng)部(bu)報送(song)(song)貼(tie)息(xi)資(zi)金(jin)(jin)(jin)預(yu)(yu)撥申請，填報《個(ge)人(ren)消費(fei)(fei)貸款(kuan)財(cai)政(zheng)貼(tie)息(xi)資(zi)金(jin)(jin)(jin)預(yu)(yu)撥申請表(biao)》（附件(jian)2）。貸款(kuan)經(jing)辦機(ji)(ji)構(gou)省級(ji)(ji)機(ji)(ji)構(gou)應同(tong)時向屬地省級(ji)(ji)財(cai)政(zheng)部(bu)門(men)報送(song)(song)本(ben)機(ji)(ji)構(gou)個(ge)人(ren)消費(fei)(fei)貸款(kuan)預(yu)(yu)計發(fa)放情況(kuang)和貼(tie)息(xi)資(zi)金(jin)(jin)(jin)需求(qiu)；貸款(kuan)經(jing)辦機(ji)(ji)構(gou)無分(fen)支機(ji)(ji)構(gou)的，由(you)總(zong)部(bu)向注冊地省級(ji)(ji)財(cai)政(zheng)部(bu)門(men)報送(song)(song)相關申請材料。財(cai)政(zheng)部(bu)結合各貸款(kuan)經(jing)辦機(ji)(ji)構(gou)貼(tie)息(xi)資(zi)金(jin)(jin)(jin)申請情況(kuang)和年度預(yu)(yu)算安排，向省級(ji)(ji)財(cai)政(zheng)部(bu)門(men)按(an)一(yi)(yi)定(ding)比例預(yu)(yu)撥個(ge)人(ren)消費(fei)(fei)貸款(kuan)貼(tie)息(xi)資(zi)金(jin)(jin)(jin)。

  （二）貼息(xi)(xi)貸(dai)(dai)款(kuan)結息(xi)(xi)。貸(dai)(dai)款(kuan)經辦機(ji)構按照市場化(hua)(hua)、法治化(hua)(hua)原則和(he)(he)相關信貸(dai)(dai)管理規(gui)(gui)定(ding)自主開展(zhan)差(cha)異化(hua)(hua)授信，合理設(she)置消(xiao)(xiao)費(fei)貸(dai)(dai)款(kuan)額度、期限、利率，自主決策(ce)貸(dai)(dai)款(kuan)發放條件(jian)并及時(shi)放款(kuan)，有效加(jia)強信貸(dai)(dai)資金(jin)(jin)用途和(he)(he)風(feng)險管控(kong)。貸(dai)(dai)款(kuan)經辦機(ji)構對相關個人消(xiao)(xiao)費(fei)貸(dai)(dai)款(kuan)進行(xing)結息(xi)(xi)時(shi)，按照政(zheng)(zheng)策(ce)規(gui)(gui)定(ding)的(de)貼息(xi)(xi)比例、貼息(xi)(xi)上限等要求計(ji)算財(cai)政(zheng)(zheng)貼息(xi)(xi)金(jin)(jin)額，在(zai)向借款(kuan)人收(shou)取貸(dai)(dai)款(kuan)利息(xi)(xi)時(shi)直接扣減應由財(cai)政(zheng)(zheng)承擔的(de)貼息(xi)(xi)資金(jin)(jin)，并結合各自情(qing)況通(tong)過手機(ji)短信、APP通(tong)知等方(fang)式(shi)向借款(kuan)人告知財(cai)政(zheng)(zheng)貼息(xi)(xi)具體(ti)情(qing)況。

  （三(san)）貼息(xi)資(zi)金申(shen)請(qing)。貸(dai)(dai)款經辦機(ji)構(gou)(gou)省級機(ji)構(gou)(gou)對所(suo)轄分(fen)支機(ji)構(gou)(gou)上(shang)季(ji)(ji)(ji)度貼息(xi)資(zi)金情況(kuang)進(jin)行嚴格審核(he)后，于(yu)政(zheng)(zheng)(zheng)策(ce)實施期內每季(ji)(ji)(ji)度結束后5個工作日內，向屬地(di)(di)省級財政(zheng)(zheng)(zheng)部(bu)(bu)(bu)門和(he)金融監(jian)管局報送上(shang)季(ji)(ji)(ji)度貼息(xi)資(zi)金撥付申(shen)請(qing)，填報《個人消費貸(dai)(dai)款財政(zheng)(zheng)(zheng)貼息(xi)資(zi)金申(shen)請(qing)表（季(ji)(ji)(ji)度）》（附(fu)件3），并附(fu)相關證(zheng)明材(cai)料，同(tong)時抄送財政(zheng)(zheng)(zheng)部(bu)(bu)(bu)當地(di)(di)監(jian)管局。貸(dai)(dai)款經辦機(ji)構(gou)(gou)無分(fen)支機(ji)構(gou)(gou)的，由總部(bu)(bu)(bu)向注冊(ce)地(di)(di)省級財政(zheng)(zheng)(zheng)部(bu)(bu)(bu)門和(he)金融監(jian)管局報送相關申(shen)請(qing)材(cai)料，同(tong)時抄送財政(zheng)(zheng)(zheng)部(bu)(bu)(bu)當地(di)(di)監(jian)管局。

  （四(si)）貼(tie)息(xi)(xi)(xi)(xi)資(zi)金撥付。各(ge)金融(rong)監(jian)管局收到(dao)(dao)貸(dai)(dai)款經辦(ban)機(ji)構(gou)(gou)報送的季度(du)(du)貼(tie)息(xi)(xi)(xi)(xi)資(zi)金申(shen)請(qing)材料(liao)后，對貸(dai)(dai)款經辦(ban)機(ji)構(gou)(gou)個(ge)人消(xiao)費貸(dai)(dai)款發(fa)放和貼(tie)息(xi)(xi)(xi)(xi)金額等(deng)數(shu)據(ju)進行(xing)匯總(zong)，于15個(ge)工(gong)(gong)(gong)作(zuo)日內向省級(ji)(ji)財(cai)政(zheng)(zheng)部(bu)門提供貸(dai)(dai)款經辦(ban)機(ji)構(gou)(gou)貼(tie)息(xi)(xi)(xi)(xi)資(zi)金匯總(zong)數(shu)據(ju)等(deng)材料(liao)。省級(ji)(ji)財(cai)政(zheng)(zheng)部(bu)門收到(dao)(dao)當(dang)地金融(rong)監(jian)管局提供的材料(liao)后，于10個(ge)工(gong)(gong)(gong)作(zuo)日內完成上季度(du)(du)貼(tie)息(xi)(xi)(xi)(xi)資(zi)金審核(he)撥付工(gong)(gong)(gong)作(zuo)。對于審核(he)未通過的個(ge)人消(xiao)費貸(dai)(dai)款，由(you)省級(ji)(ji)財(cai)政(zheng)(zheng)部(bu)門相(xiang)應核(he)減貼(tie)息(xi)(xi)(xi)(xi)資(zi)金；已向借款人支付貼(tie)息(xi)(xi)(xi)(xi)資(zi)金的，由(you)貸(dai)(dai)款經辦(ban)機(ji)構(gou)(gou)以適當(dang)方(fang)式扣減或追回。

  （五）貼(tie)(tie)息(xi)資(zi)金(jin)清(qing)算(suan)。政(zheng)(zheng)策執行(xing)期滿后，貸(dai)款經(jing)(jing)辦機構(gou)省(sheng)級機構(gou)對所轄分支(zhi)機構(gou)貼(tie)(tie)息(xi)資(zi)金(jin)清(qing)算(suan)情況進行(xing)審(shen)核，于30個(ge)工(gong)作(zuo)日(ri)內，向(xiang)屬地(di)省(sheng)級財(cai)政(zheng)(zheng)部(bu)(bu)門(men)和(he)金(jin)融監(jian)管(guan)局(ju)報送(song)貼(tie)(tie)息(xi)資(zi)金(jin)清(qing)算(suan)審(shen)核意見和(he)貼(tie)(tie)息(xi)資(zi)金(jin)清(qing)算(suan)申請材(cai)料(liao)，包(bao)括貼(tie)(tie)息(xi)政(zheng)(zheng)策執行(xing)情況、《個(ge)人消費(fei)貸(dai)款財(cai)政(zheng)(zheng)貼(tie)(tie)息(xi)資(zi)金(jin)清(qing)算(suan)申請表》（附(fu)件4）及相(xiang)關(guan)證明資(zi)料(liao)，并(bing)(bing)抄送(song)財(cai)政(zheng)(zheng)部(bu)(bu)當地(di)監(jian)管(guan)局(ju)。貸(dai)款經(jing)(jing)辦機構(gou)無分支(zhi)機構(gou)的，由總部(bu)(bu)審(shen)核后向(xiang)注冊地(di)省(sheng)級財(cai)政(zheng)(zheng)部(bu)(bu)門(men)和(he)金(jin)融監(jian)管(guan)局(ju)報送(song)相(xiang)關(guan)申請材(cai)料(liao)，并(bing)(bing)抄送(song)財(cai)政(zheng)(zheng)部(bu)(bu)當地(di)監(jian)管(guan)局(ju)。貸(dai)款經(jing)(jing)辦機構(gou)對所報送(song)申請材(cai)料(liao)的真實(shi)性(xing)、合規性(xing)、準確性(xing)負責。

  各金(jin)融(rong)監管局收到貸款(kuan)經(jing)辦機構或貸款(kuan)經(jing)辦機構省(sheng)級機構報送的(de)貼息(xi)(xi)資金(jin)清(qing)算(suan)申請材(cai)料后(hou)，于15個(ge)工(gong)作日內(nei)完成(cheng)匯(hui)總，向省(sheng)級財(cai)政(zheng)部(bu)(bu)門提(ti)供貸款(kuan)經(jing)辦機構貼息(xi)(xi)資金(jin)匯(hui)總數(shu)據(ju)等(deng)材(cai)料。省(sheng)級財(cai)政(zheng)部(bu)(bu)門收到當(dang)地(di)金(jin)融(rong)監管局提(ti)供的(de)材(cai)料后(hou)，于20個(ge)工(gong)作日內(nei)提(ti)出審(shen)核意見，向財(cai)政(zheng)部(bu)(bu)報送貼息(xi)(xi)資金(jin)清(qing)算(suan)報告，并附《個(ge)人消(xiao)費貸款(kuan)財(cai)政(zheng)貼息(xi)(xi)資金(jin)清(qing)算(suan)審(shen)核情況表》（附件5），同時抄送財(cai)政(zheng)部(bu)(bu)當(dang)地(di)監管局。財(cai)政(zheng)部(bu)(bu)根據(ju)各省(sheng)級財(cai)政(zheng)部(bu)(bu)門報送的(de)貼息(xi)(xi)資金(jin)清(qing)算(suan)報告等(deng)材(cai)料，與各省(sheng)級財(cai)政(zheng)部(bu)(bu)門清(qing)算(suan)貼息(xi)(xi)資金(jin)，各省(sheng)級財(cai)政(zheng)部(bu)(bu)門據(ju)此與貸款(kuan)經(jing)辦機構辦理貼息(xi)(xi)資金(jin)清(qing)算(suan)。

  （六）貼(tie)息資金(jin)(jin)(jin)監(jian)(jian)督。政(zheng)(zheng)策執(zhi)行(xing)過程中，財政(zheng)(zheng)部(bu)適時(shi)組織財政(zheng)(zheng)部(bu)有(you)關(guan)監(jian)(jian)管(guan)(guan)局(ju)對政(zheng)(zheng)策執(zhi)行(xing)情況進行(xing)抽查監(jian)(jian)督，發現問題依法(fa)依規予以嚴肅處理，視情況采取約談、通(tong)報、加倍扣減預(yu)算等措施，督促有(you)關(guan)地方和單位履行(xing)好審核把關(guan)責任，防(fang)止挪(nuo)用于(yu)非消費領域、套取貼(tie)息資金(jin)(jin)(jin)。政(zheng)(zheng)策執(zhi)行(xing)期滿后，財政(zheng)(zheng)部(bu)會同金(jin)(jin)(jin)融(rong)監(jian)(jian)管(guan)(guan)總局(ju)適時(shi)組織財政(zheng)(zheng)部(bu)有(you)關(guan)監(jian)(jian)管(guan)(guan)局(ju)、有(you)關(guan)金(jin)(jin)(jin)融(rong)監(jian)(jian)管(guan)(guan)局(ju)對貸款(kuan)經辦機構(gou)貼(tie)息資金(jin)(jin)(jin)申請、審核、清算等情況開(kai)展核查，發現問題依法(fa)依規予以嚴肅處理。

  三、監督管理

  （一(yi)）明(ming)確職責(ze)(ze)分工(gong)(gong)(gong)，形成工(gong)(gong)(gong)作(zuo)(zuo)(zuo)合(he)力(li)。財(cai)(cai)政(zheng)部(bu)(bu)(bu)負(fu)責(ze)(ze)制(zhi)定個(ge)人消(xiao)(xiao)費(fei)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)財(cai)(cai)政(zheng)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)政(zheng)策，向(xiang)省(sheng)級財(cai)(cai)政(zheng)部(bu)(bu)(bu)門(men)(men)撥付貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)中(zhong)央財(cai)(cai)政(zheng)承擔部(bu)(bu)(bu)分，會(hui)同(tong)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)監(jian)(jian)管(guan)部(bu)(bu)(bu)門(men)(men)、省(sheng)級財(cai)(cai)政(zheng)部(bu)(bu)(bu)門(men)(men)共同(tong)做(zuo)好(hao)(hao)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)清算工(gong)(gong)(gong)作(zuo)(zuo)(zuo)。財(cai)(cai)政(zheng)部(bu)(bu)(bu)各地(di)監(jian)(jian)管(guan)局(ju)按(an)照(zhao)財(cai)(cai)政(zheng)部(bu)(bu)(bu)部(bu)(bu)(bu)署(shu)要求，做(zuo)好(hao)(hao)有關貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)抽(chou)查(cha)監(jian)(jian)督(du)(du)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)。中(zhong)國人民(min)銀行(xing)負(fu)責(ze)(ze)督(du)(du)促(cu)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)構(gou)(gou)(gou)(gou)落實(shi)消(xiao)(xiao)費(fei)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)利率(lv)政(zheng)策，指導金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)機(ji)構(gou)(gou)(gou)(gou)圍(wei)(wei)繞消(xiao)(xiao)費(fei)重(zhong)點(dian)場景、重(zhong)點(dian)群體做(zuo)好(hao)(hao)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)服務，促(cu)進提(ti)振和擴大(da)消(xiao)(xiao)費(fei)。金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)監(jian)(jian)管(guan)總局(ju)負(fu)責(ze)(ze)指導督(du)(du)促(cu)各金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)監(jian)(jian)管(guan)局(ju)將貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)個(ge)人消(xiao)(xiao)費(fei)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)財(cai)(cai)政(zheng)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)政(zheng)策執(zhi)行(xing)情(qing)況納入日常監(jian)(jian)管(guan)，并做(zuo)好(hao)(hao)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)匯(hui)總工(gong)(gong)(gong)作(zuo)(zuo)(zuo)。省(sheng)級財(cai)(cai)政(zheng)部(bu)(bu)(bu)門(men)(men)負(fu)責(ze)(ze)安(an)排應承擔的貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)，做(zuo)好(hao)(hao)屬地(di)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)審核(he)(he)和撥付工(gong)(gong)(gong)作(zuo)(zuo)(zuo)，以及貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)清算相關審核(he)(he)申請(qing)(qing)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)。地(di)方財(cai)(cai)政(zheng)部(bu)(bu)(bu)門(men)(men)可(ke)結合(he)實(shi)際情(qing)況，參(can)照(zhao)本(ben)實(shi)施方案要求，制(zhi)定轄內個(ge)人消(xiao)(xiao)費(fei)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)財(cai)(cai)政(zheng)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)政(zheng)策，合(he)理確定貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)范圍(wei)(wei)，并自行(xing)安(an)排貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)，加強對(dui)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)的審核(he)(he)。各金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)監(jian)(jian)管(guan)局(ju)負(fu)責(ze)(ze)對(dui)屬地(di)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)測算和申請(qing)(qing)情(qing)況進行(xing)匯(hui)總，向(xiang)省(sheng)級財(cai)(cai)政(zheng)部(bu)(bu)(bu)門(men)(men)提(ti)供貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)匯(hui)總數據等材(cai)料(liao)(liao)(liao)；指導督(du)(du)促(cu)屬地(di)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)依法(fa)合(he)規(gui)開展貸(dai)(dai)(dai)(dai)款(kuan)(kuan)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)。貸(dai)(dai)(dai)(dai)款(kuan)(kuan)經(jing)(jing)(jing)辦(ban)機(ji)構(gou)(gou)(gou)(gou)負(fu)責(ze)(ze)按(an)照(zhao)市(shi)場化、法(fa)治(zhi)化原則開展授信(xin)評(ping)審、貸(dai)(dai)(dai)(dai)后(hou)管(guan)理，落實(shi)消(xiao)(xiao)費(fei)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)利率(lv)政(zheng)策，嚴(yan)格執(zhi)行(xing)個(ge)人消(xiao)(xiao)費(fei)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)監(jian)(jian)督(du)(du)管(guan)理相關制(zhi)度(du)規(gui)定，做(zuo)好(hao)(hao)借款(kuan)(kuan)人身(shen)份、消(xiao)(xiao)費(fei)信(xin)息(xi)(xi)(xi)(xi)識別，圍(wei)(wei)繞消(xiao)(xiao)費(fei)重(zhong)點(dian)場景、重(zhong)點(dian)群體做(zuo)好(hao)(hao)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)服務，促(cu)進提(ti)振和擴大(da)消(xiao)(xiao)費(fei)；對(dui)本(ben)機(ji)構(gou)(gou)(gou)(gou)貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)進行(xing)嚴(yan)格審核(he)(he)，按(an)規(gui)定報送貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)申請(qing)(qing)材(cai)料(liao)(liao)(liao)，確保貼(tie)(tie)(tie)息(xi)(xi)(xi)(xi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)(jin)(jin)申請(qing)(qing)材(cai)料(liao)(liao)(liao)真(zhen)實(shi)、準確。

  （二(er)）壓實貸款經辦(ban)(ban)機(ji)(ji)構(gou)信(xin)(xin)貸管(guan)(guan)(guan)理(li)(li)(li)和(he)(he)(he)貼(tie)(tie)息(xi)資(zi)(zi)金(jin)測算審核(he)(he)申(shen)請(qing)主體(ti)責(ze)任，確保(bao)真(zhen)正支(zhi)持借(jie)款人消費。貸款經辦(ban)(ban)機(ji)(ji)構(gou)要(yao)做好政策宣傳(chuan)，按照市場化、法治化原(yuan)則和(he)(he)(he)信(xin)(xin)貸管(guan)(guan)(guan)理(li)(li)(li)規(gui)(gui)(gui)定(ding)(ding)開展(zhan)授信(xin)(xin)，嚴格借(jie)款人授信(xin)(xin)評審和(he)(he)(he)貸后(hou)管(guan)(guan)(guan)理(li)(li)(li)要(yao)求(qiu)，做好風(feng)險防(fang)控。健全信(xin)(xin)息(xi)系統，對貸款賬戶符合條件的消費信(xin)(xin)息(xi)進行識(shi)別匯總。加(jia)強(qiang)貸款資(zi)(zi)金(jin)使用跟(gen)蹤和(he)(he)(he)貼(tie)(tie)息(xi)資(zi)(zi)金(jin)審核(he)(he)，做好審核(he)(he)結(jie)果的反(fan)饋溝(gou)通(tong)。按規(gui)(gui)(gui)定(ding)(ding)報(bao)送(song)貼(tie)(tie)息(xi)資(zi)(zi)金(jin)申(shen)請(qing)，對貼(tie)(tie)息(xi)資(zi)(zi)金(jin)申(shen)請(qing)材料(liao)的真(zhen)實性(xing)、合規(gui)(gui)(gui)性(xing)、準(zhun)確性(xing)負責(ze)。貸款經辦(ban)(ban)機(ji)(ji)構(gou)總部要(yao)加(jia)強(qiang)對分(fen)支(zhi)機(ji)(ji)構(gou)的督導，定(ding)(ding)期對分(fen)支(zhi)機(ji)(ji)構(gou)借(jie)款人消費信(xin)(xin)息(xi)識(shi)別、貼(tie)(tie)息(xi)資(zi)(zi)金(jin)測算和(he)(he)(he)申(shen)請(qing)等情況進行檢查，建立健全內部問題核(he)(he)查、通(tong)報(bao)、處置機(ji)(ji)制，發(fa)現(xian)問題及(ji)時予以糾正，并(bing)按規(gui)(gui)(gui)定(ding)(ding)嚴肅(su)追(zhui)責(ze)問責(ze)。

  （三）壓實(shi)地方財(cai)(cai)政(zheng)部門和金(jin)(jin)融管(guan)理(li)部門組織實(shi)施責任，做(zuo)好(hao)貼(tie)(tie)息(xi)(xi)資(zi)金(jin)(jin)審(shen)核撥(bo)付清算(suan)工作(zuo)。各省級財(cai)(cai)政(zheng)部門和金(jin)(jin)融監(jian)(jian)管(guan)局(ju)(ju)要(yao)切(qie)實(shi)做(zuo)好(hao)貼(tie)(tie)息(xi)(xi)政(zheng)策組織實(shi)施工作(zuo)，及時向(xiang)貸(dai)款經辦機構撥(bo)付貼(tie)(tie)息(xi)(xi)資(zi)金(jin)(jin)。各省級財(cai)(cai)政(zheng)部門要(yao)按要(yao)求做(zuo)好(hao)貼(tie)(tie)息(xi)(xi)資(zi)金(jin)(jin)清算(suan)審(shen)核工作(zuo)，向(xiang)財(cai)(cai)政(zheng)部報(bao)送貼(tie)(tie)息(xi)(xi)資(zi)金(jin)(jin)清算(suan)報(bao)告。各金(jin)(jin)融監(jian)(jian)管(guan)局(ju)(ju)要(yao)將個(ge)人消費貸(dai)款財(cai)(cai)政(zheng)貼(tie)(tie)息(xi)(xi)政(zheng)策執(zhi)行情況納(na)入日常(chang)監(jian)(jian)管(guan)，督促(cu)經辦機構做(zuo)好(hao)貸(dai)款管(guan)理(li)，跟蹤貸(dai)款實(shi)際(ji)使(shi)用情況。

  （四）強化監督約束，確(que)保貼(tie)息資金專款(kuan)專用。經(jing)審核發現(xian)存在(zai)違(wei)(wei)法違(wei)(wei)規(gui)(gui)行為(wei)(wei)的，財政部(bu)門將追(zhui)回相關(guan)貼(tie)息資金，并依(yi)法依(yi)規(gui)(gui)嚴肅處理。對于(yu)貸(dai)款(kuan)經(jing)辦機(ji)構違(wei)(wei)法違(wei)(wei)規(gui)(gui)行為(wei)(wei)，由相關(guan)部(bu)門依(yi)法依(yi)規(gui)(gui)追(zhui)究相應(ying)責(ze)任。對于(yu)借款(kuan)人違(wei)(wei)法違(wei)(wei)規(gui)(gui)套(tao)取(qu)貼(tie)息資金的情況(kuang)，由貸(dai)款(kuan)經(jing)辦機(ji)構納入個人征信記錄。

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