Legal analysis: loan subsidy policy refers to the state in order to support a certain industry, the implementation of the industry's loan interest subsidies, such loans are called subsidized loans. Loan subsidized interest refers to for engaging in micro-profit projects of small guaranteed loans by the financial according to the fact that the full or part of the subsidized interest, the borrower's own loan period does not pay the interest, the subsidized interest for a maximum of no more than two years, rollover does not subsidize interest.
Legal basis: "The Chinese People's *** and the State Commercial Banks Law" Article VII commercial banks to carry out credit business, should be strictly examine the borrower's creditworthiness, the implementation of the guarantee to ensure that the loan is recovered on schedule. Commercial banks shall recover the principal and interest of the maturing loan from the borrower in accordance with the law, and shall be protected by law.