Group 1 - The core message emphasizes the need for financial institutions to focus on key consumer sectors to boost and expand consumption [1] - The notification encourages enhanced financial services for durable goods and digital products, aiming to tap into the potential for consumer goods upgrades [1] - Financial institutions are urged to collaborate with platforms and key merchants, improving services like installment payments, credit cards, mobile banking, and digital currency to better meet consumer renewal demands [1] Group 2 - The policy outlines the importance of determining loan issuance ratios, terms, and interest rates based on customers' repayment capabilities and credit status [1] - It highlights the implementation of differentiated policies for personal consumer loans regarding amounts, terms, and interest rates to accelerate the development of personal consumer loan business [1] - The notification suggests waiving penalties for early loan settlements during the vehicle trade-in process [1]