财政贴息是指政府为了鼓励某些特定的经济活动或产业，对符合条件的贷款或债券利息进行补贴。这种补贴通常由政府直接支付给借款人，或者在某些情况下，可能通过降低贷款利率来实现。财政贴息的目的是降低借款人的融资成本，从而刺激投资和经济增长。

财政贴息的形式有多种，包括直接贴息和间接贴息。直接贴息是指政府直接支付给借款人的利息补贴，这种补贴通常在贷款发放时直接扣除。间接贴息则是指政府通过降低贷款利率或提供优惠贷款的方式来降低借款人的融资成本。

财政贴息政策对于促进经济增长和产业发展具有重要作用。例如，政府可以通过财政贴息政策鼓励企业进行技术改造和升级，提高产品质量和竞争力。此外，财政贴息政策还可以鼓励个人进行住房、教育等消费，促进消费需求增长。

英文：

What is fiscal subsidy interest?

Fiscal subsidy interest refers to the government's subsidy on the interest of loans or bonds that meet certain conditions. This subsidy is usually paid directly by the government to the borrower, or in some cases, it may be achieved by reducing the loan interest rate. The purpose of fiscal subsidy interest is to reduce the financing costs of borrowers, thereby stimulating investment and economic growth.

There are various forms of fiscal subsidy interest, including direct subsidy interest and indirect subsidy interest. Direct subsidy interest refers to the government's direct payment of interest subsidies to borrowers, which is usually deducted directly when the loan is issued. Indirect subsidy interest refers to the government's reduction of the loan interest rate or provision of preferential loans to reduce the financing costs of borrowers.

Fiscal subsidy interest policy plays an important role in promoting economic growth and industrial development. For example, the government can encourage enterprises to carry out technological transformation and upgrading through fiscal subsidy interest policy, improve product quality and competitiveness. Additionally, fiscal subsidy interest policy can also encourage individuals to consume in areas such as housing and education, promoting growth in consumer demand.