三部门：根据客户还款能力和信用情况，合理确定贷款发放比例、期限和利率

Core Viewpoint - The notification issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration emphasizes the need to strengthen the collaboration between commerce and finance to boost consumer spending significantly [1] Group 1: Consumer Spending Enhancement - The notification highlights the upgrade of commodity consumption, focusing on durable goods and digital products, to tap into the potential for consumption upgrades [1] - Financial institutions are encouraged to collaborate with platforms and key merchants to enhance consumer services, including installment payments, credit cards, mobile banking, and digital currency [1] - There is a push to develop personal consumer loan services by determining loan issuance ratios, terms, and interest rates based on customer repayment ability and credit status [1] Group 2: Support for Trade and Financing - The notification calls for the reduction of penalties for early loan repayment during the vehicle trade-in process [1] - Financial institutions are urged to connect with key enterprises and platforms in both domestic and foreign trade to provide transaction matching services and improve cross-border supply chain financing models [1] - The initiative aims to support more enterprises in integrated domestic and foreign trade operations and expand domestic insurance coverage for quality foreign trade products entering the domestic market [1]