BANKCOMM Q&A on Implementation of SME Loan Interest Subsidy Policy

To thoroughly implement the decisions and deployments of the CPC Central Committee and the State Council regarding promoting the growth and expansion of the private economy and stimulating the vitality of private investment, supporting small, medium, and micro enterprises (SMEs) in increasing investment and expanding reproduction, fully tapping economic potential, and enhancing economic resilience, BANKCOMM is actively implementing the interest subsidy policy in accordance with the relevant provisions of the "Notice on the Implementation of the SME Loan Interest Subsidy Policy" (Finance [2026] No. 4). Answers to frequently asked questions by customers are provided below.

Frequently Asked Questions

Question 1: Which SME loans are eligible for this interest subsidy policy? Answer: The policy applies to fixed-asset loans for all private SMEs within the relevant key industrial chains and their upstream/downstream industries (including, but not limited to, high-quality private SMEs recommended by the coordination mechanism for SME financing support or shared by the Ministry of Industry and Information Technology), as well as funds from new types of policy-based financial instruments used in projects involving private SMEs.

Question 2: Are there requirements for the use of loan funds under this policy? Answer: Yes. The funds must be directed towards supporting key industrial chains and their upstream/downstream sectors, including new energy vehicles, industrial machinery, pharmaceutical industry, medical equipment, basic software and industrial software, civil large aircraft, servers, mobile communication equipment, new displays, instruments and meters, industrial robots, rail transit equipment, ship and marine engineering equipment, agricultural machinery, among others. It also covers productive service sectors like technology services, logistics, information and software services, energy conservation and environmental protection services, productive leasing, and business services; agriculture, forestry, animal husbandry, fishery, and agricultural product processing industries; and emerging fields represented by artificial intelligence.

Question 3: What is the interest subsidy standard? Answer: For eligible fixed-asset loans to private SMEs and funds from new policy-based financial instruments for SME-involved projects disbursed by BANKCOMM on or after January 1, 2026, the central government will provide an interest subsidy support equivalent to 1.5 percentage points annualized on the loan principal, for a period not exceeding two years. The maximum subsidized loan amount per borrower is capped at 50 million yuan.

Question 4: Can the same loan receive multiple central government interest subsidy policies simultaneously (e.g., the subsidy for service sector entities, the fiscal subsidy policy for equipment renewal loans, etc.)? Answer: No.

Question 5: How can customers check their loan interest subsidy status? Answer: After system function optimization is completed and rolled out, BANKCOMM will notify customers of specific subsidy details via channels such as mobile SMS and messages through the BANKCOMM Corporate Mobile Banking App.

Question 6: Are there any fees charged for the interest subsidy? Answer: Throughout the process of this SME loan and related interest subsidy business, BANKCOMM will not commission any third parties (including social intermediaries) to handle matters. Customers can apply for loans through official BANKCOMM channels such as branch outlets or mobile banking. BANKCOMM does not charge any fees for processing the loan interest subsidy. To maximize the protection of customer property and information security and prevent fraud by criminals posing as subsidy processors, customers are advised not to trust information from channels other than official BANKCOMM sources, such as unsolicited phone calls or text messages.

Question 7: What are the consequences of fraudulently obtaining subsidy funds? Answer: BANKCOMM will provide interest subsidies for SME loans that meet policy requirements based on market-oriented and rule-of-law principles. The bank strictly prohibits the use of fake qualifications, materials, guarantees, transactions, or fund purposes, or obtaining loans through illegal intermediaries. For applications that fail review by relevant authorities or involve illegal and fraudulent acquisition of subsidy funds, BANKCOMM will reduce or recover the subsidies in accordance with regulations.

For assistance, you can consult through the BANKCOMM Corporate Mobile Banking App, branch outlets, or by calling the customer service hotline at 95559.