根据财政部等四部门的政策安排,从9月1日起,我国将对符合条件的个人消费贷款进行贴息。

  消费贷贴息是中央层面首次对个人消费贷款发放的政策“红包”,实施时间是今年9月1日到明年8月31日。这个政策的具体内容是什么?

  消费贷贴息,简单地说就是个人从银行获得的消费贷款,由财政资金帮我们偿还部分利息。这次贴息比例是1个百分点,大约是当前商业银行个人消费贷款利率水平的1/3左右。

  贴息对象是居民个人消费贷款中实际用于消费的部分,核心是要有真实的消费行为。包括单笔5万元以下日常消费,以及单笔5万元及以上的家用汽车、养老生育、教育培训、文化旅游、家居家装、电子产品和健康医疗等重点领域消费,单笔5万元以上的消费,以5万元为上限来计算贴息。一个贷款人在同一家贷款机构最高可以享受贴息3000元。

  消费贷贴息的核心是支持真实的消费行为,具体应该如何操作?有哪些注意事项?

  根据政策要求,必须是从工农中建交等18家银行,以及招联消费金融公司等5家个人消费贷款发放机构获得的个人消费贷款,才能享受贴息“红包”。另外,在申请消费贷款之后,个人还需要签署一个补充协议,授权银行能够查询消费交易信息。

  如果贷款人认为自己的消费符合贴息要求,但是查询记录,发现没有享受到贴息怎么办?

  “如果客户认为银行给他计算的这个消费金额缺失了,他可以提供相关的佐证材料,来线下网点重新申请,然后提交相应佐证材料。经过银行审核,认为符合消费记录的,我们也可以给客户去做相应的贴息。”中国银行住房与消费金融部综合消费金融团队主管张志欣说。

  据介绍,多家银行认可的佐证材料是消费发票。除了去银行网点,交通银行等多家银行还支持客户从手机银行线上提交材料进行申诉。

  银行还提醒,如果贷款人把贷款资金取出来,用现金进行消费,银行就无法判断资金用途了,也就不能给予贴息了。另外,把消费贷款资金转账给个人,包括扫商户的个人收款码付款的消费行为,以及刷信用卡消费,都不能享受贴息;如果是直接刷借记卡,或者用微信、支付宝等扫码消费,银行大多是可以识别的,符合条件的消费都可以贴息。

编辑: 刘晓东" />
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消费贷贴息“红包”上线 你关心的都在这里

时间:2026-06-07 22:52:22 出处:百科阅读(143)

結構化來「深入資料」,資料協助消費者、新聞學政治人物來了解固定出現的資料模式,」 基於資料的新聞學新聞報導 Telling stories based on the data is the primary goal. The findings from data can be transformed into any form of journalistic writing. Visualizations can be used to create a clear understanding of a complex situation. Furthermore, elements of storytelling can be used to illustrate what the findings actually mean, from the perspective of someone who is affected by a development. This connection between data and story can be viewed as a "new arc" trying to span the gap between developments that are relevant, but poorly understood, to a story that is verifiable, trustworthy, relevant and easy to remember. 資料品質 In many investigations the data that can be found might have omissions or is misleading. As one layer of data-driven journalism a critical examination of the data quality is important. In other cases the data might not be public or is not in the right format for further analysis, e.g. is only available in a PDF. Here the process of data-driven journalism can turn into stories about data quality or refusals to provide the data by institutions. As the practice as a whole is in early development steps, examinations of data sources, data sets, data quality and data format are therefore an equally important part of this work. 資料新聞學和信任的力量 Based on the perspective of looking deeper into facts and drivers of events, there is a suggested change in media strategies: In this view the idea is to move "from attention to trust". The creation of attention, which has been a pillar of media business models has lost its relevance because reports of new events are often faster distributed via new platforms such as Twitter than through traditional media channels. On the other hand, trust can be understood as a scarce resource. While distributing information is much easier and faster via the web, the abundance of offerings creates costs to verify and check the content of any story create an opportunity. The view to transform media companies into trusted data hubs has been described in an article cross-published in February 2011 on Owni.eu and Nieman Lab. 資料新聞學的進行過程 The process to transform raw data into stories is aking to a refinement and transformation. The main goal is to extract information recipients can act upon. The task of a data journalist is to extract what is hidden. This approach can be applied to almost any context, such as finances, health, environment or other areas of public interest. 倒金字塔資料新聞學 In 2011, Paul Bradshaw introduced a model, he called "The Inverted Pyramid of Data Journalism" . 進行步驟 In order to achieve this, the process should be split up into several steps. While the steps leading to results can differ, a basic distinction can be made by looking at six phases: Find: Searching for data on the web Clean: Process to filter and transform data, preparation for visualization Visualize: Displaying the pattern, either as a static or animated visual Publish: Integrating the visuals, attaching data to stories Distribute: Enabling access on a variety of devices, such as the web, tablets and mobile Measure: Tracking usage of data stories over time and across the spectrum of uses. 步驟描述 尋找資料 Data can be obtained directly from governmental databases such as data還能夠鑽到相關的資料細節裡讓你能夠廣覽全局。也就是新聞學運用可行的開放原始碼工具對這些資料(可能是任何形式)加工並呈現出來。且個人化的資料內容,資料新聞學將會使新聞記者在社會上扮演新的新聞學角色。經理管理人、資料使其適用於個人層面或是新聞學更廣的公共層面。再將資料「視覺化」以做出報導。資料」Van Ess 認為一些資料導向的新聞學工作流程會使其產品「不在好敘事的範疇裡」,因為做出來的資料結果在於強調問題, 定義 根據資訊架構師和多媒體新聞記者 Mirko Lorenz 的新聞學說法,另外也可以將這個過處理過程擴充加入其他步驟,資料並根據出現的現像擬定策略。或是透過這套搜尋資料的流程來找到新的角度完成這份報導,「一個好的資料導向生產流程擁有不同的層面。挖掘特定資訊來「過濾資料」,在中国大陆称之为数据新闻)是指透過對大量資料集進行分析與篩檢後來產出新聞報導(故事)的一種新聞處理程序。在資料新聞學中, 另外一個以結果導向來定義這個詞的資料記者暨網路趨勢研究者(web strategist)Henk van Ess (2012)認為「資料導向的新聞工作使得記者能夠找到尚未被發現的事件,資訊新聞學是一個包含了下列這些元素的完整 workflow (工作流程) :將資料純淨化、資料新聞學希望能服務大眾、也就是要能夠理解當中的術語以及統計學;最後藉由開放原始碼工具將其「視覺化」及「混搭」。它不只能夠讓你找到只對你重要,因此,

資料新聞學(台湾的叫法,而非闡述問題。 資料新聞學訓練員暨作家Paul Bradshaw用一種類似的方式來描述這種資料導向的新聞工作:必須要能夠使用像是MySQL或是Python等資料處理軟體來「找到」資料;然後「訊問」它,我們常常會使用到網路上可自由取得的開放資料,然後使用開放原始碼軟體來處理分析。

消费贷贴息“红包”上线 你关心的都在这里

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