Group 1 - The core viewpoint of the news is the implementation of a subsidy policy for personal consumption loans and service industry loans, aimed at reducing credit costs and stimulating consumption potential [1] - The policy focuses on both personal consumption and service industry financing, with clear strategic goals to lower credit costs for residents and support service industry businesses [1] - The core objectives include lowering resident credit costs, supporting service industry financing, and creating a positive cycle of cost reduction, consumption promotion, and stable operations [1] Group 2 - Major state-owned banks have formed special working groups to implement the policy, emphasizing process optimization and digital transformation [2] - Different banks have tailored their measures based on their business characteristics, with specific focuses such as process optimization, scenario-based services, and rural market support [2] - The policy reflects a collaborative approach between fiscal and financial policies, aiming to activate consumption and support economic recovery through targeted measures [2] Group 3 - Concerns regarding fiscal sustainability and the long-term stability of subsidy funding need to be addressed, especially given regional disparities in fiscal conditions [3] - Risks of fund misappropriation and arbitrage must be mitigated, ensuring that loans are used for intended purposes [3] - Enhancing policy transmission efficiency and coverage is essential, particularly for small and micro enterprises to benefit from the policy [3]