Group 1 - The core viewpoint of the news is the introduction of a new fiscal subsidy policy for personal consumption loans, aimed at stimulating the automotive market by providing interest subsidies to consumers [1][2][3] - The policy includes a 1% annual interest subsidy, with a maximum subsidy limit of 3,000 yuan for eligible personal consumption loans, which corresponds to a total consumption amount of 300,000 yuan [1][6] - The policy is part of a broader set of measures to boost automotive consumption, including trade-in subsidies and tax exemptions for new energy vehicles, targeting the reduction of consumer costs and enhancing purchasing willingness [2][3] Group 2 - The implementation of the subsidy policy is expected to provide a significant boost to the automotive market, which has been facing challenges due to low consumer confidence and economic uncertainty [4][5] - Despite the potential benefits, initial market feedback indicates that the actual impact of the subsidy on automotive consumption has yet to be realized, with consumers showing low awareness of the policy [4][5] - The automotive finance sector may see a restructuring of market shares, as the 1% subsidy can enhance the competitiveness of bank loans, potentially attracting more customers [7][8] Group 3 - Banks are actively preparing to implement the subsidy policy, focusing on defining eligible loan products, optimizing application processes, and ensuring timely disbursement of subsidy funds [8][9] - The policy's coverage extends beyond vehicle purchases to include insurance and maintenance, although practical challenges may limit its effectiveness in these areas [9]