Group 1 - The core viewpoint of the articles highlights the proactive measures taken by SPD Bank's Qingdao branch to implement the personal consumption loan interest subsidy policy, aiming to stimulate consumer spending and support local economic development [1][2] Group 2 - Following the introduction of the subsidy policy, SPD Bank's Qingdao branch quickly established a special task force to ensure the policy's effective implementation, focusing on detailed work plans and clear departmental responsibilities [1] - The first personal consumption loan benefiting from the subsidy was linked to a hotel dining scenario, showcasing the bank's efforts to promote the policy through various consumer channels [2] - The dual benefits of interest rate and subsidy discounts significantly reduce the cost of consumer financing, enhancing residents' willingness to spend and providing a tangible sense of benefit and happiness from the policy [2] Group 3 - SPD Bank plans to continuously monitor market dynamics and customer needs, further optimizing the execution process of the subsidy loan policy and increasing the issuance of consumer credit [2]