近日，中国工商银行、中国农业银行、中国银行、中国建设银行、交通银行及中国邮政储蓄银行等6家国有大型商业银行发布公告，宣布实施新的贷款贴息政策 1。该政策将符合条件的中小微民营企业新发放流动资金贷款纳入中央财政利息补贴范围，提供年化1个百分点、期限不超过2年的贴息支持 1。此项政策回溯自8月1日起执行，依据为财政部、中国人民银行、金融监管总局联合发布的《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》 1。
对于8月1日至公告发布前已办理的相关贷款，银行将直接报送政府相关部门审核，无需企业操作 1。此举旨在通过财政资金撬动信贷需求，带动企业与居民支出 1。这一政策安排被视为7月30日中共中央政治局会议召开后，政策支持由“促投资”进一步向企业经营和居民消费延伸的信号 1。
Six major state-owned commercial banks in China, including the Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China, announced a new loan interest subsidy policy in Shanghai on August 27, 2024 1. Under this initiative, newly issued working capital loans to eligible small, medium, and micro private enterprises will be included in the central government's interest subsidy program 1. The central government will provide an annualized subsidy of 1 percentage point for a term not exceeding two years, with the policy retroactively effective from August 1 1. For loans processed between August 1 and the announcement date, banks will directly submit them to relevant government departments for review without requiring any action from the enterprises 1.
This policy originates from a joint notice on further improving the coordination of fiscal and financial policies to promote domestic demand, issued by the Ministry of Finance, the People's Bank of China, and the National Financial Regulatory Administration 1. The move aims to leverage fiscal funds to stimulate credit demand and boost spending by both enterprises and residents 1. It is viewed as a signal that policy support is shifting from promoting investment to focusing on enterprise operations and resident consumption, following the Political Bureau of the Central Committee meeting held on July 30 1.
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