Group 1 - The core viewpoint of the article is the regulation of auto consumer finance business by several banks in Henan, aiming to control financing costs and eliminate high commission issues [1] - Everbright Bank's Zhengzhou branch has announced measures to standardize loan product pricing and strictly control financing costs for car buyers [1] - Other banks in the Henan region, including Agricultural Bank of Henan, Bank of Communications Henan branch, CITIC Bank Zhengzhou branch, and Zhongyuan Bank, have issued similar statements regarding the regulation of auto finance [1] Group 2 - The measures include regulating commission payment behaviors to prevent dealers from using high commissions to manipulate car sales prices and mislead consumers regarding their loan intentions and terms [1] - The initiative aims to address the issue of dealers inducing consumers to repay loans early or distorting their genuine loan needs [1]