四大银行发布公告 中小微企业贷款和服务业经营主体贷款贴息政策落地

2026年8月25日，工商银行、农业银行、中国银行和建设银行率先发布公告，落实财政部等部门联合发布的《关于进一步做好财政金融协同促内需政策有关工作的通知》（财金〔2026〕71号）中关于中小微企业贷款和服务业经营主体贷款贴息政策 12。此外，中国邮政储蓄银行也已发布公告，明确了中小微企业贷款财政贴息政策执行方案 12。

根据政策安排，中央财政将对2026年8月1日以来发放的符合条件的中小微民营企业流动资金贷款，按照流动资金贷款本金给予年化1个百分点、期限不超过2年的贴息支持 12。此次政策提高了单户企业在单家银行可享受贴息的贷款规模上限，其中单户企业在单家银行可享受中小微企业贷款贴息的贷款规模上限由每年5000万元提高至7500万元，单户企业在单家银行可享受服务业经营主体贷款贴息的贷款规模上限由每年1000万元提高至2000万元 12。各银行同时强调，在办理中小微企业贷款贴息和服务业经营主体贷款贴息业务过程中，不会委托任何第三方（包括社会中介）办理，也不收取任何费用 12。

Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank have taken the lead in implementing the interest subsidy policies for loans to small, medium, and micro enterprises and service sector entities 12. These measures are based on the "Notice on Further Improving the Coordination of Fiscal and Financial Policies to Stimulate Domestic Demand" (Cai Jin No. 71) jointly issued by the Ministry of Finance and other departments 12. Under the new policy, the central government will provide an interest subsidy of 1 percentage point per annum for a period of up to two years on the principal of eligible working capital loans granted to private small, medium, and micro enterprises since August 1, 2026 12.

The updated policy raises the maximum loan scale eligible for interest subsidies per enterprise at a single bank 12. Specifically, the annual cap for loans to small, medium, and micro enterprises has been increased from 50 million yuan to 75 million yuan, while the limit for loans to service sector entities has been increased from 10 million yuan to 20 million yuan 12. The banks emphasized that they will not entrust any third parties, including social intermediaries, to handle the subsidy business, and no fees will be charged 12. Furthermore, eligible loans processed between August 1 and the date of the announcements will be directly submitted to relevant government departments for review 1. The Postal Savings Bank of China has also released an announcement detailing its execution plan for the fiscal interest subsidy policy regarding loans to small, medium, and micro enterprises 12.