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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_我的网站
一 | 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财金〔2026〕71号各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财政局，中国人民银行上海总部及各省、自治区、直辖市、计划单列市分行，各金融监管局，有关金融机构： 为贯彻落实党中央、国务院关于扩大内需的决策部署，激发民间投资，促进居民消费，更好发挥财政金融协同促内需一揽子政策作用，现就有关事项通知如下： 一、扩大贴息范围 将符合条件的中小微民营企业的新发放流动资金贷款纳入中小微企业贷款贴息政策支持范围，中央财政按照流动资金贷款本金给予年化1个百分点、期限不超过2年的贴息支持。 将信用卡专项分期、消费分期、预借现金分期等新发生信用卡各类分期业务纳入个人消费贷款财政贴息政策支持范围，贴息比例为年化1个百分点。
Ecological restoration
For over 30 years, Wensuyalatu, a member of the leadership group of the Urad Rear Banner forestry and grassland bureau, has made the Gobi Desert his workplace, dedicating his life to combating desertification, advancing ecological restoration through technological innovation, and helping local herders increase their incomes, according to the local bureau's official WeChat account.
Located on the edge of the desert in Bayannur's Urad Rear Banner, it is a key area in China's Three-North Shelterbelt Forest Program, a major ecological project aimed at strengthening the country's northern ecological security barrier.
However, early afforestation efforts in the desert were far from easy at the start.
The project covers 103,800 mu (about 6,920 hectares), including comprehensive treatment of 24,500 mu of desertified land, ecological restoration of 4,100 mu of non-desertified land, and 75,200 mu of enclosed grassland restoration. The project also includes the construction of 11 small-scale water conservation facilities, all of which required strict standards and extensive coordination.
The project also includes the construction of 11 small-scale water conservation facilities, all of which required strict standards and extensive coordination.
In 1991, Wensuyalatu, then in his early 20s, chose to devote himself to forestry and grassland conservation in the Urad Rear Banner. Since then, he has remained on the front lines of desertification control, witnessing the region's harshest environmental challenges and working to find solutions adapted to the fragile desert ecosystem.
In the early years, afforestation in the Gobi Desert was an extremely difficult task. The most critical planting season in spring often coincided with the strongest sandstorms of the year. Every year during the key afforestation period, Wensuyalatu would stay deep in the desert, guiding workers on planting techniques and management practices, while carefully overseeing every detail of the ecological restoration projects.
"Every spring, the wind and blown sand were so strong that it was hard to keep your eyes open. The sand hit your face like needles. During the day, we followed workers to dig holes and plant trees, and at night we stayed in temporary shelters to organize data and review the day's work. That was the normal routine for desertification fighters," Wensuyalatu recalled.
The road to restoring the desert was far from easy. Years of drought, low survival rates of seedlings, and skepticism from some local residents created major obstacles.
"At the beginning, it was really difficult. The climate was extremely dry, and many seedlings died after being planted. Some herders did not understand or support the work. They believed deserts were naturally barren and that no amount of effort could make trees grow there," Wensuyalatu said.
To change these perceptions, Wensuyalatu brought local residents to see firsthand the damage caused by desert expansion. Through visible results and long-term communication, he gradually won the understanding and support of the community.
Facing the ecological challenges of the Urad Rear Banner, Wensuyalatu began exploring new approaches beyond traditional restoration methods.
Since 2004, he has led efforts to tackle desert restoration challenges by introducing large-scale aerial seeding projects, creating a breakthrough approach for restoring degraded desert ecosystems in the region.
"Compared with traditional methods, aerial seeding is more efficient and can cover wider areas. Based on local climate and soil conditions, we select suitable desert plant seeds and precisely control the seeding height, density and timing to improve survival rates as much as possible and accelerate desert recovery," Wensuyalatu explained.
After years of effort, the aerial seeding projects under Wensuyalatu's leadership have restored more than 800,000 mu of desert land, with an effective restoration rate of 62.2 percent.
He also developed an integrated management approach combining "protection, management, retreat, restoration and publicity," establishing a mixed vegetation system of trees, shrubs and grass to curb desert expansion and reduce sandstorms at their source.
Beyond restoring greenery, Wensuyalatu has also focused on strengthening scientific research and protecting native desert species.
Starting in 2010, he devoted himself to the artificial cultivation of endangered native desert plants. After more than a decade of repeated experiments, he successfully developed cultivation techniques for rare species such as the endangered evergreen broadleaf shrub Ammopiptanthus mongolicus, Mongolian almond and drought-resistant elm.
Under his leadership, his team cultivated 6.5 million seedlings and completed more than 4,000 mu of high-quality afforestation projects, with seedling survival rates consistently exceeding 80 percent.
For Wensuyalatu, desert restoration is not only about creating ecological benefits, but also about improving people's livelihoods.
He has long promoted the idea that "trees should bring both ecological value and economic value." By leveraging local desert resources, he helped establish a 10,000-mu industrial base for desert plants and cistanche - a medicinal plant often grown in desert environments - across four key local villages, integrating ecological restoration with specialty desert industries.
"In the past, people thought desertification control was simply about planting trees - it took a lot of efforts but brought little income. Now things are different. By planting trees and developing industries such as cistanche cultivation, desert land can generate real wealth," a local herder said.
To ensure that local communities benefit from ecological development, Wensuyalatu introduced enterprises, supported family forest farms and professional cooperatives, and promoted large-scale, market-oriented operations.
The once barren desert has gradually become a "green treasure chest" for local herders, achieving a win-win outcome: greener landscapes, improved ecosystems, stronger businesses and higher incomes.
"Desertification control is not just an ecological project, but also a project that benefits people," Wensuyalatu said.
"Only when communities gain real benefits from protecting nature will they actively participate in ecological conservation. That is the key to making restoration efforts sustainable and achieving the vision that lucid waters and lush mountains are invaluable assets," Wensuyalatu said.
Global Times
。 二、增加经办机构 将中小微企业贷款贴息政策、服务业经营主体贷款贴息政策经办机构范围扩大至21家全国性银行和金融监管评级3A及以上的城市商业银行、农村合作金融机构、民营银行、外资银行。 三、适当提高额度 单户在单家经办机构可享受中小微企业贷款贴息的贷款规模上限由每年5000万元提高至7500万元。 单户在单家经办机构可享受服务业经营主体贷款贴息的贷款规模上限由每年1000万元提高至2000万元。 每名借款人在单家经办机构可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。 四、其他事项 本通知自2026年8月1日起施行。其他未尽事项按照《财政部 中国人民银行 金融监管总局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》（财金〔2026〕1号）、《财政部 国家发展改革委 工业和信息化部 中国人民银行 金融监管总局关于实施中小微企业贷款贴息政策的通知》（财金〔2026〕4号）、《财政部 商务部 中国人民银行 金融监管总局关于优化实施服务业经营主体贷款贴息政策的通知》（财金〔2026〕5号）等相关规定执行。
二 | 财政部 中国人民银行 金融监管总局2026年8月17日。
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