Group 1 - The core viewpoint of the article emphasizes the introduction of new fiscal subsidy tools to stimulate consumption and economic growth, reflecting a strategic shift in China's development model [1] - The "two interest subsidy" policies are the first of their kind at the central level, aiming to enhance the multiplier effect of public financial resources and explore the boundaries of economic development [1][4] - The effective implementation of these policies requires creating a favorable environment and supporting details to maximize their potential impact on the economy and society [1] Group 2 - Current financial data indicates a significant decline in consumer willingness and ability to spend, with a notable drop in household loans and overall credit [2] - The reluctance to borrow for consumption stems from concerns about future job security and economic stability, leading to increased precautionary savings among households [2] - The article suggests that without addressing the underlying issues of income growth and consumer confidence, the "two interest subsidy" policies may face challenges in generating effective demand, particularly in the service sector [2][3] Group 3 - To ensure the success of the new subsidy policies, it is essential to create an environment that promotes income growth and a fair employment market, moving away from investment-driven models [3] - Enhancing social security and protective systems is crucial for alleviating residents' concerns about future uncertainties, which in turn can stimulate consumption and economic circulation [3][4] - The article concludes that leveraging consumption as a credit tool requires addressing both market access and social welfare to transform consumer aspirations into actual spending [4]