中国人民银行等六部门：积极开展汽车贷款业务，综合借款人信用水平、还款能力等，合理确定贷款发放比例、期限和利率，适当减免汽车以旧换新过程中提前结清贷款产生的违约金。

Core Viewpoint - The People's Bank of China and six other departments are actively promoting auto loan business by considering borrowers' credit levels and repayment capabilities to reasonably determine loan issuance ratios, terms, and interest rates, while also providing relief from penalties for early loan repayment during vehicle trade-in processes [1] Group 1 - The initiative aims to enhance the accessibility of auto loans for consumers [1] - The policy includes measures to reduce penalties associated with early loan repayment when trading in old vehicles [1] - The focus is on evaluating the borrower's creditworthiness and repayment ability to set appropriate loan conditions [1]