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消费贷国补升级！多地银行更新细则，信用卡分期贴息成亮点_我的网站

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A | 　　来源：国际金融报　　随着消费贷“国补”升级落地，各家银行的贴息细则纷纷出炉。　　《国际金融报》记者注意到，自8月21日国新办发布会宣布个人消费贷财政贴息政策升级以来，多家股份行、地方中小银行也于近日纷纷更新了贴息操作细则，重点围绕信用卡分期贴息相关问题为客户做出解读。 Colombo, Oct 20 (UNI) Amid growing criticism, Sri Lankan President Ranil Wickremesinghe has justified a hike in income tax for both corporates and individuals, saying it was for the greater good of the country and critical to garner much needed financial support from the international community.
In an address to the nation, the President said the International Monetary Fund (IMF) with which the government has signed a Staff Level Agreement for a $2.9 billion four-year financial support, advised the need for a surplus in Sri Lanka’s primary budget, the Daily FT reported on Thursday.
“It was agreed to since the country needs the support of the IMF,” he was quoted him as saying.
“It was also decided to increase the country’s income from 8.5 per cent to 14.5 per cent of the GDP. However, it is a difficult task to accomplish immediately, it is envisaged to achieve this by 2026.
"Initially, a decision had to be taken on the manner in which the income is to be increased. Money was printed due to the decrease in income. During the past two years, Rs. 2,300 billion has been printed, resulting in inflation rising to 70-75 per cent and even more in respect of food inflation," he said.
Wickremesinghe said these increases need to be controlled, while securing income. Therefore, during the discussions with the IMF a new tax system was proposed. The IMF informed that even the export industries would be required to pay taxes.
The IMF pointed out that in countries with an export economy, the related industries were liable for tax. The IMF also upheld that Sri Lanka’s primary export economy is based on the plantation industry.
During British rule, taxes were charged from every plantation sector, including tea, coconut and rubber. Therefore, if the country has to move towards that goal, taxes will have to be paid. The export sector has now questioned this aspect and the related concerns are to be submitted to the IMF.
Referring to the issue of higher personal income taxation, the President said the majority of tax revenue was through indirect taxation. The majority of the country’s citizens, even those below the poverty line, had no choice but to pay indirect taxes, the President said.
The direct tax revenue was 20 per cent and 80 per cent has been derived from indirect taxes.
The IMF had reservations in this regard and said the amount of tax obtained through direct taxes should exceed 20 per cent. The IMF noted that otherwise this would not be successful and ordinary citizens would need to pay taxes, the President said.
Therefore, the Treasury and the IMF discussed the possibility of limiting the taxation from those who have an income of Rs. 200,000, which did not materialise. Eventually, this resulted in the decision to levy income tax on people earning over 100,000. This has become a vital concern amongst citizens.
But without this tax system, the desired goal will not be achieved. The agreed goal is to achieve 14.5-15 per cent of Gross Domestic Product (GDP) revenue by 2026, Wickremesinghe said.
If Sri Lanka withdraws from this programme, IMF assistance will not be received. Without IMF certification, the support of institutions such as the World Bank, Asian Development Bank, and the countries that have supported financially will not be forthcoming. Then, Sri Lanka will be back to the era of queues, he warned.
In his address, Wickremesinghe also said the Government was ready to implement prudent economic management after successful debt restructuring.
He noted that it was not possible to strengthen the economy without increasing the revenue of the country, which will compel him to reluctantly make tough decisions in order to rebuild the nation.
The President pointed out how in November 2019, the country’s taxes were drastically reduced, reducing the government revenue to 8.5 per cent. This was when the IMF set aside the agreements with Colombo and declared that it was unable to provide the agreed assistance.
"That year the government lost approximately Rs. 600-700 billion as revenue. Simultaneously, the country had to face the Covid-19 pandemic. These issues are the main factors that led to the collapse of Sri Lanka’s economy.
"The country at this juncture is facing a difficult period. Expectedly tough decisions have to be taken during these difficult times. I undertook this challenge when no one else was willing to come forward."
UNI MR。　　受访专家指出，此次财政部将信用卡专项分期纳入贴息范围，推动金融支持服务从“事后分摊账单”前移到“事前消费决策”，将充分释放信用卡“高频、广覆、深渗透”等特性，有助于进一步释放金融支持消费的杠杆效应，有效提振居民消费意愿和能力。　　重点解读信用卡分期贴息　　继六大国有银行之后，多家股份行、地方中小银行也纷纷发布消费贷政策贴息细则。　　《国际金融报》记者注意到，除了明确将每名借款人享受的个人消费贷款和信用卡分期业务累计贴息上限由每年3000元提高至每年5000元外，信用卡分期贴息政策的调整情况成为多家机构重点解答的内容。　　8月25日，平安银行在公众号平台发布答疑推送，明确将信用卡分期贴息范围由信用卡账单分期扩展至包括专项分期、消费分期、预借现金分期等各类分期产品。“居民在政策实施期内新办理的上述信用卡分期业务且于政策实施期内生成的各期账单，经我行识别消费真实性、合规性后，可按规定享受贴息。信用卡账单分期以外的信用卡分期贴息政策实施期为2026年8月1日至2026年12月31日。”平安银行强调。　　同日，渤海银行、台州银行、江苏辖区内农商银行也纷纷就个人消费贷款（含信用卡分期）财政贴息政策中的贴息金额，尤其是信用卡分期贴息范围、贴息比例及适用程序、无法享受信用卡分期贴息的原因等问题为客户做出解答。

B | 　　结合各家银行推送内容来看，在贴息政策的适用方面，银行大多考虑到客户操作的便利性，明示客户无需再办理额外的手续。不过，针对信用卡使用过程中存在欺诈、虚假消费、资金流入非消费领域或国家有关政策规定的其他违法违规行为，银行也明确不予财政贴息，对已享受财政贴息的，有权以适当方式扣减或追回贴息资金。　　与此同时，多家机构明确表示，不会委托任何第三方（包括社会中介）办理，不收取任何贴息相关费用，提示客户警惕不法中介风险。　　招联首席经济学家、上海金融与发展实验室执行主任董希淼认为，随着互联网贷款和金融产品网络营销等监管政策趋严，信用卡正成为提振消费的金融主力军，作用将进一步彰显。此次财政部将信用卡专项分期纳入贴息范围，推动金融支持服务从“事后分摊账单”前移到“事前消费决策”，将充分释放信用卡“高频、广覆、深渗透”等特性，有助于进一步释放金融支持消费的杠杆效应，有效提振居民消费意愿和能力。

C | 　　加快疏通“高储蓄—低消费”堵点　　8月21日，国新办举行“开局起步‘十五五’”系列主题新闻发布会，介绍发挥积极财政政策作用，推动经济社会高质量发展有关情况。

D | 财政部副部长廖岷在会上指出，财政金融协同促内需政策已经优化完善，并自8月1日起开始实施，具体包括三方面新的举措，一是拓宽贴息范围，二是增加经办机构，三是进一步提高额度上限。

E | 　　值得注意的是，此次贴息政策升级将包括购车、装修在内的新发生的各类信用卡分期消费都纳入到政策支持范围，更好地贴近大众消费习惯。按此，消费者只要是用信用卡分期方式进行消费，都可以享受贴息优惠。　　光大证券金融业首席分析师王一峰指出，此次政策是继年初“一揽子”贷款财政贴息政策的进一步优化升级，主要围绕拓宽支持领域、增加经办机构、提升贷款上限额度等方面展开。自年初财政金融协同促内需的6项政策推出以来，1月至7月政策累计支持相关领域新发放贷款超20万亿元，较上年同期增长超8800亿元，增幅达4.5%。此次财政贴息扩围增量后，有望强化前期政策实施效果，推动零售、小微客群存量信贷需求进一步释放。　　董希淼对记者指出，贴息政策必须“加码”以覆盖更多的真实消费场景，将购车、装修等长周期、大金额消费纳入，同时通过提升额度至5000元来更好地降低居民边际借贷成本。此外，贴息政策实施周期精准锁定下半年，有助于抓住“金九银十”及年底冲量的时间窗口，通过财政资金与金融信贷协同发力，加快破解“高储蓄—低消费”的堵点和痛点。这既是对前期政策效果的修正补强，也是应对短期经济下行压力的必要之举。　　“但是，银行明确将追回虚假消费的贴息资金，意味着消费者需确保每笔贷款、分期都要有真实消费背景，绝不能套现或流入投资领域。此外，政策窗口期明确，政策实施至年底，有需求的家庭和个人应抓紧规划，避免错过低成本融资时机。