工行、农行、中行、建行、交行、邮储、招行，齐发公告！

中国银行保险报01-21

“信用卡也可以享受贴息了！”一觉醒来，章寻收到推送消息，发现不仅个人消费贷款贴息政策期限延长了，信用卡账单分期同样被纳入贴息范围中，这正合她意。对于章寻这种不会特意申请某款消费贷产品、更多通过信用卡预支一定金额消费的群体来说，这次的优化政策将使信用卡分期成为他们的首选。《中国银行保险报》记者注意到，多家经办银行已在各渠道发布公告，详细介绍有关个人消费贷款贴息服务的具体细节，并就“如何申请信用卡账单...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2605102190?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2026-01-21 16:27","share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","id":"2605102190","market":"hk","top_or_hot":-1,"title":"工行、农行、中行、建行、交行、邮储、招行，齐发公告！","media":"中国银行保险报","content":"<div>\n<p>“信用卡也可以享受贴息了！”一觉醒来，章寻收到推送消息，发现不仅个人消费贷款贴息政策期限延长了，信用卡账单分期同样被纳入贴息范围中，这正合她意。对于章寻这种不会特意申请某款消费贷产品、更多通过信用卡预支一定金额消费的群体来说，这次的优化政策将使信用卡分期成为他们的首选。《中国银行保险报》记者注意到，多家经办银行已在各渠道发布公告，详细介绍有关个人消费贷款贴息服务的具体细节，并就“如何申请信用卡账单...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260121164118a69b7508&s=b\">网页链接</a>\n\n</div>\n","source":"tencent","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>工行、农行、中行、建行、交行、邮储、招行，齐发公告！</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n工行、农行、中行、建行、交行、邮储、招行，齐发公告！\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-21 16:27 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260121164118a69b7508&s=b><strong>中国银行保险报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>“信用卡也可以享受贴息了！”一觉醒来，章寻收到推送消息，发现不仅个人消费贷款贴息政策期限延长了，信用卡账单分期同样被纳入贴息范围中，这正合她意。对于章寻这种不会特意申请某款消费贷产品、更多通过信用卡预支一定金额消费的群体来说，这次的优化政策将使信用卡分期成为他们的首选。《中国银行保险报》记者注意到，多家经办银行已在各渠道发布公告，详细介绍有关个人消费贷款贴息服务的具体细节，并就“如何申请信用卡账单...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260121164118a69b7508&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0314109678.HKD","symbol_name":"MANULIFE GF DRAGON GROWTH \"AA\" (HKD) INC","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260121164118a69b7508&s=b","article_id":"2605102190","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20260121164118a69b7508&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, .wx-sou","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2605102190","pubTimestamp":1768984026,"columns":[],"sourceInfo":{"source_id":"tencent","name":"腾讯"},"weMediaInfo":null,"summary":"1贴息标准提高、期限延长财政部、金融监管总局、中国人民银行联合印发《关于优化实施个人消费贷款财政贴息政策有关事项的通知》后，相关经办银行及时发布公告，回答客户关心的问题。中国邮政储蓄银行也提醒，客户在该行办理个人消费贷款或账单分期享受贴息后，可通过短信消息、邮储银行手机银行APP等方式知晓享受财政贴息的具体情况，不需要其他额外操作。","collect":0,"end_time":0,"defaultTopTitle":"qq.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"LU0314109678.HKD":"MANULIFE GF DRAGON GROWTH \"AA\" (HKD) INC","LU1282649141.HKD":"ALLIANZ ASIAN MULTI INCOME PLUS \"AMG\" (HKD) INC","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","LU0359202008.SGD":"Blackrock China Fund A2 SGD-H","LU0456846285.SGD":"JPMorgan Funds - Greater China A (acc) SGD","CIHKY":"招商银行ADR","03988":"中国银行","LU0370786039.SGD":"Fidelity Greater China A-SGD","LU0516422366.SGD":"Fullerton Lux Funds - Asia Focus Equities A Acc SGD","LU1115378108.SGD":"Eastspring Investments - Global Emerging Markets Dynamic AS SGD","SG9999002463.SGD":"LionGlobal China Growth SGD","LU0540923850.HKD":"ALLIANZ HONG KONG EQUITY \"A\" (HKD) INC","LU1880383440.USD":"AMUNDI FUNDS CHINA EQUITY \"A2\" (USD) INC","LU1023057109.AUD":"BGF CHINA \"A2\" (AUDHDG) ACC","LU1808992512.USD":"AB ALL CHINA EQUITY PORTFOLIO \"A\" (USD) ACC","LU1008478684.HKD":"UBS (LUX) EQUITY FUND -  CHINA OPPORTUNITY \"P\" (HKD) ACC","IE0008368742.USD":"首域中国增长基金I Acc","03143":"华夏香港银行股","LU0572944931.SGD":"Janus Henderson Horizon China Opportunities A2 SGD","LU0326950275.SGD":"Schroder ISF China Opportunities A Acc SGD-H","LU1366334578.USD":"ALLSPRING EMERGING MARKETS EQUITY INCOME \"A\" (USD) INC","IE00B3M56506.USD":"NEUBERGER BERMAN EMERGING MARKETS EQUITY \"A\" (USD) ACC","LU1226287529.USD":"UBS (LUX) KEY SELECTION SICAV - CHINA ALLOCATION  OPPORTUNITY (USD) \"P\" (USD) ACC","IE00BF5LJ272.USD":"Legg Mason Martin Currie - Global Emerging Markets A Acc USD","IE00B543WZ88.USD":"NEUBERGER BERMAN CHINA EQUITY \"A\" (USD) ACC","LU0634319403.HKD":"ALLIANZ HONG KONG EQUITY \"AT\" (HKD) ACC","LU0880133367.SGD":"UBS (LUX) EQUITY FUND CHINA OPPORTUNITY USD \"P\" (SGD) ACC","LU0417516902.SGD":"Allianz China Equity Cl AT Acc SGD","LU0516423091.SGD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (SGD) ACC","LU2476274308.USD":"ALLIANZ CHINA FUTURE TECHNOLOGIES \"AT\" (USD) ACC","LU0791591158.USD":"ALLSPRING  EMERGING MARKTES EQUITY INCOME \"I\" (USD) ACC","LU0052750758.USD":"富兰克林中国基金A Acc","LU0918141887.USD":"安联亚洲实际收益股票基金","LU0488056044.USD":"Allianz Asian Multi Income Plus Cl AM DIS USD","LU0051755006.USD":"摩根大通中国A (dist)","LU0384037296.USD":"ALLIANZ ASIAN MULTI INCOME PLUS \"AT\" (USD) ACC","BACHY":"中国银行ADR","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC","LU0348814723.USD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"A\" (USD) INC  NC","LU1813983027.USD":"MANULIFE GF DRAGON GROWTH \"AA\" (USD) INC","BK1610":"ETF&股票定投概念","BK1521":"挪威政府全球养老基金持仓","LU0327786744.USD":"Janus Henderson Horizon China Opportunities A2 USD","03328":"交通银行","03968":"招商银行","LU0228367735.SGD":"Eastspring Investments - Asian Equity Fund AS SGD","LU2399975544.HKD":"ALLIANZ ALL CHINA EQUITY \"AT\" (HKD) ACC","LU0823426480.USD":"法巴中国股票经典Dis","LU0348827113.USD":"ALLIANZ RCM CHINA \"AT\" ACC","LU0737861699.HKD":"FIDELITY CHINA FOCUS \"A \" (HKD) ACC","LU1242518931.SGD":"Fullerton Lux Funds - Asia Absolute Alpha A Acc SGD","LU1880383366.USD":"东方汇理中国股票基金 A2 (C)","IE00B031J352.USD":"FSSA GREATER CHINA GROWTH \"I\" (USD) INC"},"translate_title":"ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank, and China Merchants Bank all issued announcements!","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"BACHY":0.9,"03328":0.9,"03988":0.9,"03968":1.5,"03143":0.6,"CIHKY":0.9},"content_text":"“信用卡也可以享受贴息了！”一觉醒来，章寻收到推送消息，发现不仅个人消费贷款贴息政策期限延长了，信用卡账单分期同样被纳入贴息范围中，这正合她意。对于章寻这种不会特意申请某款消费贷产品、更多通过信用卡预支一定金额消费的群体来说，这次的优化政策将使信用卡分期成为他们的首选。《中国银行保险报》记者注意到，多家经办银行已在各渠道发布公告，详细介绍有关个人消费贷款贴息服务的具体细节，并就“如何申请信用卡账单分期贴息”问题作出解答。1贴息标准提高、期限延长财政部、金融监管总局、中国人民银行联合印发《关于优化实施个人消费贷款财政贴息政策有关事项的通知》后，相关经办银行及时发布公告，回答客户关心的问题。本次政策优化的主要内容之一是提高贴息标准——取消单笔消费贴息金额上限500元的要求，取消每名借款人在一家经办机构可享受5万元以下累计消费贴息上限1000元的要求。维持每名借款人在一家经办机构可享受累计消费贴息上限每年3000元的要求不变。同时，个人消费贷款财政贴息政策实施期限将延长至2026年底。调整后，个人消费贷款财政贴息政策实施期为2025年9月1日至2026年12月31日，居民在上述期限内发生的符合条件的消费可按规定享受贴息。中国工商银行在《个人消费贷款财政贴息服务协议》中详细列明了贴息范围——家用汽车领域包括汽车购置、车辆保险及维修；养老生育领域包括老龄人口或其子女购买的家庭适老化改造服务、养老机构和养老社区服务，托育、辅助生育消费等；教育培训领域包括资格证书培训考试、高等学历继续教育等；文化旅游领域支持消费者通过具备资质的旅行机构购买国内旅游出行服务；家居家装领域包括家庭装修、家用电器、厨卫用品、家具等；电子产品领域包括购买手机、平板、个人电脑、智能穿戴设备等；健康医疗领域包括牙齿矫治、视力矫正、健康管理等。中国建设银行则专门开设了“消费金融专项行动专区”，此前曾推出“超值权益与贴心好礼”发放活动，包括“支用金额达标可得25元礼券”等。2信用卡账单分期年贴息比例为1个百分点本次政策优化的亮点之一在于将信用卡账单分期业务纳入支持范围，年贴息比例为1个百分点。关于如何办理信用卡账单分期贴息，中国农业银行明确，客户需与该行签署《信用卡账单分期财政贴息补充协议》（以下简称“贴息补充协议”），每张信用卡需单独签署。贴息补充协议生效后，在政策实施期内办理信用卡账单分期业务且于政策实施期内生成的各期账单，可享受财政贴息。每期分期账单生成时，将按照政策规定的贴息比例、贴息上限、贴息期限，在收取分期利息时直接扣减贴息资金。交通银行特别提示“如客户未签署补充协议，则不享受贴息，但不影响客户正常申请和办理信用卡账单分期”，并介绍了签署贴息补充协议的入口——客户可在办理交通银行信用卡账单分期业务的流程中签署贴息补充协议，或通过“买单吧APP—借钱频道—贴息专区”对财政贴息政策实施期内已办理的账单分期业务补签贴息补充协议，同意对符合贴息条件的分期交易开展贴息。上述功能预计将于2026年1月23日在交通银行自有渠道（含手机银行APP、买单吧APP、信用卡客服热线等）上线。为最大程度便利客户，中国银行明确，已完成贴息申请的贷款无须重新签署贴息协议，自2026年1月1日起发生的消费交易，将自动适用最新财政贴息政策。中国邮政储蓄银行也提醒，客户在该行办理个人消费贷款或账单分期享受贴息后，可通过短信消息、邮储银行手机银行APP等方式知晓享受财政贴息的具体情况，不需要其他额外操作。本次政策优化将监管评级在3A及以上的城市商业银行、农村合作金融机构、外资银行、消费金融公司、汽车金融公司等纳入属地贴息政策经办机构范围，更多银行正在抓紧制定实施细则。例如，招商银行公告称，具体办理渠道、操作指引等实施细则后续将通过该行官方网站、微信公众号等渠道发布，敬请留意。《中国银行保险报》记者 胡杨《中国银行保险报》编辑 李梦溪","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.38.0","shortVersion":"4.38.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2605102190","isCrawlerRequest":true}