中国工商银行、农业银行、中国银行、建设银行、交通银行、中邮储银行等六大国有行近日优化了消费贷贴息政策1。贴息额度上限从每年3000元提高到5000元，贴息范围也大幅扩展1。
根据优化后的政策，贴息范围从原先的信用卡账单分期扩大到购车、装修、专项分期、消费分期、预借现金分期等所有分期产品1。5000元年度补贴额度可在个人消费贷款和信用卡分期间自由分配1。六大国有行于8月21日至22日密集发布了具体执行细则，股份制银行随后陆续跟进1。
对于此前的存量业务，多数银行允许客户就8月1日至政策发布日间已办理的分期业务联系网点申请补贴息1。招联首席经济学家董希淼表示，该政策将"购车、装修等长周期、大金额消费纳入"，以更好地降低居民的借贷成本1。
Major Chinese commercial banks have rolled out an optimized consumer loan subsidy program designed to reduce borrowing costs for households.1 The subsidy ceiling has been increased from 3,000 yuan annually to 5,000 yuan, which can now be freely allocated across personal consumer loans and credit card installment plans.1
The expanded policy broadens eligible spending categories significantly.1 Previously limited to credit card statement installments, the subsidy now covers vehicle purchases, home renovations, specialized installments, consumer installments, and cash advance installments across all installment products.1 The six state-owned banks—including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Postal Savings Bank—announced their implementation details between August 21 and 22.1 Subsequent joint-stock banks are expected to follow suit.1
According to Dong Ximiao, chief economist at Zhao Lian, the policy aims to "incorporate long-cycle, large-amount consumer purchases such as vehicle and home renovation spending" to more effectively reduce residents' borrowing expenses.1 For installment transactions already processed between August 1 and the policy announcement date, most banks permit customers to contact branch offices to apply for interest subsidies retroactively.1
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