Group 1 - The financing transaction process involves submitting collateral, applying for financing limits, purchasing target stocks, and repaying funds and interest, while the securities lending process includes submitting collateral, applying for lending limits, selling target stocks, and buying back stocks for repayment [1] - The exchange adjusts the list of financing and securities lending targets quarterly, with new targets needing to meet specific criteria such as an average daily trading volume of at least 50 million yuan over the past three months [2] - Cash is counted as 100% collateral, while stocks are subject to different collateral ratios, such as 70% for blue-chip stocks and 50% for ordinary stocks, affecting the maximum financing amount [3] Group 2 - Interest is calculated daily and charged monthly, with penalties for overdue interest calculated on a compound basis, emphasizing the importance of timely repayments [4] - When the maintenance margin ratio is insufficient, it can be supplemented by depositing cash or transferring eligible securities, with the latter being subject to collateral ratios [7] - Trading restrictions are imposed when the financing balance of a single stock reaches 25% of its circulating market value, halting further financing purchases until it drops below 20% [8] Group 3 - Initial trading should involve small amounts to familiarize with the process, followed by recording trading logic and market responses to improve understanding of the dual trading mechanism [9]