加大力度扩大消费 三部门：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 notification aims to enhance collaboration between commerce and finance to boost consumer spending through various supportive measures [3]. Group 1: Financial Support Measures - The notification emphasizes resolving difficulties in implementing financial support for expanding consumption [3]. - It suggests exploring various methods such as financing guarantees, loan interest subsidies, and risk compensation to guide credit funds towards key consumption areas [3]. - There will be a focus on enhancing financial services for durable consumer goods and digital products [3]. Group 2: Consumer Services Improvement - The notification mentions improving installment payment options, credit card services, mobile banking, and digital currency to better meet consumer upgrade demands [3]. - It highlights the reduction of penalties for early loan settlement during vehicle trade-ins and aims to enhance the service platform for consumer goods exchange [3]. Group 3: New Consumption Models - The notification indicates an active exploration of financial support for green consumption and new consumption models involving artificial intelligence [3]. - It aims to provide more diverse and differentiated financial services to adapt to evolving consumer needs [3].