Group 1 - The core viewpoint of the articles highlights the proactive measures taken by the Industrial and Commercial Bank of China (ICBC) Shaanxi Branch to enhance consumer finance, focusing on expanding commodity consumption and developing service consumption [1] - As of the end of March, the total personal consumer loan balance exceeded 12 billion yuan, and credit card loan balance surpassed 15 billion yuan, with credit card consumption amounting to over 10 billion yuan and installment transactions nearing 2.4 billion yuan, positioning the bank at the forefront of the financial industry in Shaanxi Province [1] - The bank has actively engaged in various sectors such as automotive, home appliances, home decoration, education, and maternal and infant care, collaborating with merchants and e-commerce platforms to launch consumer installment services, leading the province in automotive loan disbursement [1] Group 2 - The bank has responded to government initiatives by launching consumer voucher activities, including a "trade-in" program for home appliances and a promotion for 3C digital products, resulting in over 9 million yuan in consumption driven by an investment of over 700,000 yuan [1] - ICBC Shaanxi has adjusted its consumer loan policies in line with national directives, increasing the internet loan limit to 300,000 yuan, the self-payment limit to 500,000 yuan, and extending the maximum term for personal consumer loans to 7 years [1] - The bank is innovating large-amount, long-term consumer credit products for specific scenarios, such as loans for individual businesses, veterans, and students, while enhancing customer experience through automated review and approval processes using big data [2]