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消费贴息落地调查：六大行加速兑现红利，客服主动打电话：“您有一笔贴息可以领”_我的网站

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A container is lifted by a crane backdropped by the construction of the Chinese-funded port, in Chancay, Peru, on October 29, 2024. Photo: VCG

A crane lifts a container at a terminal of the Chancay Port, Peru. File photo: VCG
Nearly two years after its launch, Chancay Port has entered a phase of rapid growth. As an important logistics hub in Peru, the port is accelerating the development of a new Latin America-Asia ocean shipping lane, while intensifying connection and cooperation between many Latin American countries and China.
Recently, China's COSCO Shipping Lines launched the CHX3 (Chancay Express Service 3) feeder service, marking the first regular weekly operation linking Peru's Paita Port, Chancay Port and Costa Rica's Caldera Port.
The new service represents COSCO Shipping's latest effort to expand its presence along South America's west coast, using Chancay Port as a key transshipment hub to support foreign trade channels there. It is one of the latest expansions of COSCO Shipping's regional shipping network.
The launch of CHX3 will further expand Chancay Port's regional reach, providing foreign trade companies in Peru and other Latin American countries with a more stable and efficient logistics route to Asia, Chinese experts said.
As a deep-water port and South America's first smart green port, Chancay Port is a flagship Belt and Road Initiative (BRI) cooperation project between China and Peru. Amid rising unilateralism and geopolitical tensions in the world, the port is playing an increasingly important role in supporting the stability of global supply chains, the experts said.
New shipping routes
Located in northern Peru, Paita Port is a key container and cold-chain hub serving major industrial areas such as Piura and Lambayeque, home to numerous foreign trade companies in agriculture, seafood processing, mining and textiles. The new CHX3 service has improved logistics efficiency, providing exporters with a more efficient logistics channel to China and Asia at large.
The new service, which provides a direct link to Chancay Port and connects with many trans-Pacific ocean routes, will help shorten overall transport time for fresh fruits, reduce cargo loss risks and reduce transportation costs, Peruvian fruit exporter Ecosac said, noting that it will also further expand access for Peruvian fresh fruits to China and other Asian markets.
The role of Chancay Port in expanding China-Latin America shipping network is undergoing significant changes as envisioned, Tang Jie, an expert at the Institute of American and Oceanian Studies at the Chinese Academy of International Trade and Economic Cooperation, told the Global Times on Thursday.
Tang said that the launch of the CHX3 service has connected ports along the west coast of South America and in Central America, significantly reducing transshipment costs and transit time. With its efficient operations, Chancay Port is reshaping the logistics landscape on South America's west coast, boosting trade among regional countries and becoming a "catalyst" for greater economic integration in South America, said Tang.
The impact of Chancay Port on regional connectivity is evident. Since its opening in November 2024, the sea transport time between Peru and China has been shortened to 23 days, cutting logistics costs by 20 percent.
Nearly two years after its inauguration, Chancay Port has generated $3.65 billion in import and export trade, handled 500,000 TEUs of containers, and contributed more than 1.64 billion Peruvian soles in tax revenue to Peru. The port now operates three trans-Pacific trunk routes linking Asia with South America, along with five regional feeder services connecting countries along the continent's western coast.
And, new shipping routes have been launched since earlier this year. On March 31, a direct route linking Taicang Port in East China's Jiangsu Province and Chancay Port opened, cutting transit time to just 26 days. The 7,500-vehicle-capacity LNG dual-fuel vessel Kaiyuan Kou departed Taicang Port carrying Chinese-made EVs and other equipment directly to Chancay Port.
On May 4, a new shipping route between Nanjing Port in Jiangsu and Chancay Port was launched, creating a convenient logistics link between the Yangtze River Economic Belt and the South American market.
In the same month, South China's Guangzhou launched its first direct shipping route to Chancay Port, expanding trade links between Guangdong-Hong Kong-Macao Greater Bay Area and South America.
Zhang Jieyu, assistant research fellow at the Department for Latin American and Caribbean Studies, China Institute of International Studies, told the Global Times on Thursday that the launch of COSCO Shipping's new feeder service and the continued expansion of shipping routes show that the port's role in China-Latin America shipping and trade is undergoing a major shift.
Also, the new shipping routes help improve operational efficiency and ensure stable supplies of key resources such as copper and lithium to China, Zhang said, noting that lower logistics costs support local manufacturing too, assisting Latin American companies to integrate deeply with the global supply chains, in addition to creating many local jobs.
Greater prospects
In 2025, Chancay handled a total container throughput of 336,200 TEUs, while its bulk cargo and roll-on/roll-off operations reached 1.595 million tons. Currently, the port has launched three trans-Pacific trunk routes, as well as regional feeder services covering multiple countries along South America's western coast.
The port is expected to generate $4.5 billion in annual economic benefits for Peru, contributing 1.8 percent to the country's GDP. The port is also projected to create more than 8,000 jobs, many in logistics and transportation. By boosting local employment and regional economy, Chancay Port becomes a major pillar of Peru's development strategy, the People's Daily reported.
In a previous interview with the Global Times, Ambassador of Peru to China Carlos Vasquez said that "China's efforts to stimulate domestic consumption could create new opportunities for Peruvian exports of healthy and high-quality products."
Under the framework of high-quality BRI cooperation, Chancay Port's expanding shipping network will bring greater certainty to China-Latin America trade. By shortening transit time and improving cargo efficiency, the port will create a more reliable maritime link, providing important trans-Pacific shipping options to strengthen global supply chain resilience, said Zhang.
Chancay Port has significant growth potential. Zhang said that the port can further expand feeder networks along the western coast of South America and Central America, extending connectivity to landlocked Andean countries. Meanwhile, deeper digitalization and AI integration will help turn the port into a model for China-Latin America supply chain cooperation, promoting broader industrial collaboration and supporting regional development.
And, as a green and smart port, Chancay Port's experiences in energy conservation, emissions reduction, automated operations and digital customs are expected to set a benchmark for Latin American ports, said Tang, adding that the port is expected to play an important role in advancing the Green Silk Road and Digital Silk Road initiatives.
。　　华夏时报记者刘佳北京报道　　“真的挺惊喜的，没想到银行主动打电话告知有一笔贴息可以领。”近日，北京消费者陈女士向《华夏时报》记者讲述了自己的经历。

B | 　　8月初她刚办理了一笔三万元的消费分期之后，便没有再留意贴息政策，也不曾想着主动去申请相关优惠。出乎她意料的是，国有大行客服工作人员主动打来电话，提醒她这笔分期正好符合贴息条件，可以享受政策减免。算下来能够省下几百元利息，这份找上门的实惠，让她颇为意外。　　在这份惠民红利背后，是消费贴息新政的加速落地。　　近期，国有六大行陆续发布公告，明确了最新的信用卡分期贴息政策执行要点。将信用卡专项分期、消费分期、预借现金分期等各类新发生的信用卡分期年度贴息上限由3000元上调至5000元，自8月1日起施行。

C | 　　本轮贴息提额、场景扩容的新政，精准覆盖家装、汽车、家电等居民核心消费场景，通过实打实的利息减免降低居民消费压力，提振居民消费意愿。　　记者实地走访北京多家国有银行网点了解到，目前国有大行系统改造、规则更新、客户服务配套已全面到位，存量客户实现无感升级，新客户申领流程便捷高效，成为政策落地的重要基础保障。　　贴息最高5000元　　“政策通知越来越及时了。”家住北京市丰台区的消费者小张对《华夏时报》记者表示，自己刚刚买了新车并办理了汽车分期，办理时仅了解基础贴息政策。“没想到这几天客户经理主动给我打电话提醒，这笔汽车分期刚好纳入8月新政扩围范围，按照年化1%的贴息标准，今年在同一家银行的消费贷与信用卡分期，累计最高可享受5000元的贴息额度。

D | ”　　小张坦言，当下生活开支压力不小，这种纯惠民的金融政策，对普通消费者来说十分友好。

E | “自己在银行APP中操作流程简单、无需重新签约，系统自动更新贴息新政，省心又省钱，这才是大家最需要的福利。”　　在北京周边刚置业的周女士也深有体会。她告诉《华夏时报》记者，近期正筹备新房软装采购，原本担心分期利息过高迟迟不敢大额消费、不敢轻易分期，而银行主动推送的贴息新政，恰好解决了她的消费难题。

F | 　　“本来盘算着压缩预算、尽量少分期，现在年度贴息额度上限提升，家装、家电分期全都能覆盖，利息成本直接降了一大截。”周女士表示，新政彻底缓解了自己的利息焦虑，对刚需消费人群十分友好。　　记者了解到，本次新政核心利好主要集中在两大方面。一是额度大幅提升，个人消费贷、信用卡分期年度累计贴息上限从3000元提至5000元；二是消费场景全面扩容，打破传统账单分期的单一局限，将汽车分期、家装分期、家电数码专项分期等居民大宗消费场景，全部纳入补贴范围。　　政策红利的精准落地，离不开银行系统升级与服务配套，为政策顺畅执行提供了支撑。　　农业银行某网点工作人员向《华夏时报》记者介绍，消费者在政策实施期内新办理的信用卡分期业务，对应同期产生的分期账单，在银行核验消费真实、合规后，即可按规则享受贴息优惠。　　另有多家国有大行客户经理向记者证实，目前行内已完成系统参数更新，绝大多数存量贴息客户无需重复签约、无需线下报备，即可自动适配新政策、享受更高额度贴息。　　“目前已接到服务指引通知，要求相关业务人员通过电话回访、企业微信提醒等多种渠道，逐一告知贴息升级福利。”北京东城区交通银行网点工作人员对《华夏时报》记者表示，很多客户并不清楚政策提额扩面，我们会主动通知，就是要让每一位符合条件的客户都能享受到政策红利。　　财政金融联动促内需　　本轮消费贴息升级政策快速落地，不仅让普通消费者收获实在的优惠，更有效激活消费市场、撬动内需活力。

G | 　　8月22日，国有六大行依据财政部、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》，陆续发布官方公告，明确了信用卡分期贴息新政的具体执行要点。　　记者梳理六大行落地细则发现，目前各行贴息规则统一、执行标准规范，稳定维持年化1%的贴息比例。同时银行严格把控风险，设置贴息上限不超过合同折算年化利率50%的约束条件，在惠民让利的同时，有效规避过度借贷、盲目消费等问题。　　政策衔接方面，大部分银行明确，此前已签署个人消费贷款财政贴息服务协议、信用卡账单分期财政贴息相关约定的存量客户，可自动适用最新贴息政策，无需重新签约，仅少数银行要求客户签署补充协议。　　谈及本轮六大行率先落地消费贴息新政，薪火私募投资基金总裁翟丹分析称，此次贴息升级绝非简单的短期促消费举措，而是财政、货币、银行三大维度的跨资产负债表协同施策。　　“财政出利息、银行出资本、居民出信用，更关键的是信用卡分期场景全面扩容后，银行可依托商户编码、交易流水、分期用途精准锁定真实消费，大幅提升了财政资金的使用效率。”翟丹对《华夏时报》记者表示。

H | 　　“六大行统一落地新政，有效杜绝了各行规则解读不一、营销乱贴标、隐性加息返利等行业灰色乱象。”另有业内人士对记者表示，贴息不是见单就补，银行会提前核查消费真实性与合规性，对虚假交易、资金流出消费领域、逾期退款等情况，不予贴息或追回已发放补贴。这一机制将财政让利嵌入银行现有授信与收单核验体系，让补贴资金精准流向真实消费场景，对规范整个消费信贷行业秩序起到正向引导作用。

I | 　　广东省社会政策研究会副秘书长高承远表示，六大行在统一政策框架下同步推进落地，消除了规则差异带来的套利空间，让消费信贷市场运行更加规范有序。　　“更重要的是，银行在落地环节嵌入消费真实性核验机制，确保贴息资金精准流向购车、装修、文旅等实体消费场景，杜绝资金空转，这正是财政金融协同赋能内需的核心意义。”高承远对《华夏时报》记者如是说。　　升级中小微企业贷款贴息政策　　值得注意的是，在个人消费贷款“国补”细则落地升级后，8月26日，六大行再度加码，陆续发布中小微企业及服务业经营主体贷款贴息最新实施细则。

J | 　　六大行明确，将符合条件的中小微民营企业新发放流动资金贷款，全面纳入企业贷款贴息政策支持范围。　　贴息额度方面，调整后单一中小微企业在同一家经办银行的年度贴息贷款额度，由原先5000万元提升至7500万元；服务业经营主体专项贴息贷款年度限额，从1000万元上调至2000万元，精准适配中小微企业和服务业主体的日常经营、融资周转需求。　　在贴息标准上，六大行均表示，2026年8月1日及以后发放的合规中小微民营企业流动资金贷款，可享受中央财政年化1%的贴息补贴，最长补贴周期不超过2年；2026年1月1日以来发放的、符合条件的中小微民营企业固定资产贷款，中央财政按贷款本金给予年化1.5%的贴息支持，贴息期限同样最长不超过2年。　　为保障政策透明惠民、杜绝违规乱象，多家国有大行在公告中提醒，客户办理相关贷款及贴息业务时，仅需支付合同约定利息，无任何额外费用，本次贴息服务全程免费。