On January 21, China Merchants Bank issued an announcement regarding the optimization and implementation of the fiscal subsidy policy for personal consumer loans. In accordance with the relevant regulations stipulated in the "Notice on Matters Concerning the Optimization and Implementation of the Fiscal Subsidy Policy for Personal Consumer Loans (Cai Jin [2026] No. 1)", China Merchants Bank will provide services based on the adjusted subsidy policy to eligible personal consumer loan customers and credit card bill installment customers starting from January 1, 2026. Personal consumer loan customers who have previously signed the "Personal Consumer Loan Subsidy Supplementary Agreement" will automatically be subject to the latest subsidy policy from January 1, 2026. China Merchants Bank does not charge any service fees for processing personal consumer loan and credit card bill installment subsidies and has not cooperated with any loan intermediary agencies or individuals.
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