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杭银消费金融3名高管获批上任!线上贷款占比近8成,去年核销不良贷款40余亿元
Xiao Fei Ri Bao Wang· 2025-10-22 07:19
消费日报网讯(记者 卢岳)10月16日,国家金融监管总局浙江监管局连发3条批复,核准了杭银消费金融股份有限公司(简称"杭银消金")副总经理 在内的三位高管任职资资格。 近来,消费金融机构高管更替频繁。记者梳理发现,仅10月份以来,就还有兴业消费金融、京东消费金融、海尔消费金融、中银消费金融迎来新高 管,其中不乏"一把手"(总经理、总裁或董事长)更替。 1 在此背景下,杭银消金的高管变动消息颇受行业关注。 10月16日,国家金融监管总局浙江监管局发布披露公告显示,核准江磊杭银消金副总经理的任职资格,段美宁杭银消金副总经理的任职资格,以及霍 博华杭银消金董事的任职资格。 消金高管更替频繁 杭银消金成立于2015年12月3日,是由杭州银行作为主发起人,联合滴滴、中国银泰等知名企业组建的持牌消费金融机构,注册地位于浙江杭州,目 前注册资本为25.61亿元。 2024年,杭银消金实现营业收入为52.66亿元,同比增加8.85%;净利润9.2亿元,同比增加14.71%。从净利润排行情况来看,去年末杭银消金超过兴 业消金等头部机构,在我国持牌消费金融公司中排在第5名。 截至2024年末,杭银消金总资产达515.36亿元。到 ...
从“制造产品”到“制造价值”——服务型制造的轻工业答案
Xiao Fei Ri Bao Wang· 2025-10-21 01:13
工业和信息化部等七部门近日联合印发《深入推动服务型制造创新发展实施方案(2025—2028年)》。 方案提出,到2028年,要打造50个领军品牌、建设100个创新高地,完成20项标准制定,推动制造与服 务的全方位、深层次融合。这一系列举措,释放出一个清晰信号:中国制造正在从"生产导向"迈向"价 值导向",服务型制造正成为推动制造业高质量发展的新引擎。 百度百科显示,服务型制造是指通过增加企业生产经营中服务要素的比重,促使企业的主要经营模式从 生产、销售产品转向提供"产品+服务"。相较于生产型制造关注产品交付前的生产过程,以"产品"为核 心开展经营活动,服务型制造的价值创造从生产环节向产前、产中、产后全链条延伸,具有全周期、定 制化、知识技术密集等特点,是一种制造与服务深度融合的新型产业形态。服务型制造是基于制造的服 务和面向服务的制造,是基于生产的产品经济和基于消费的服务经济的融合;是制造与服务相融合的新 产业形态,是一种新的制造模式。 了品牌与消费者的长期关系。这种从"产品导向"向"客户导向"的转型,使传统制鞋、皮革业焕发出新的 增长动能。 在轻工制造业聚集地,服务型制造要求企业与上下游、服务商、平台方形成 ...
正雅全球化战略再升级:英国子公司兼欧洲医学中心正式启用
Xiao Fei Ri Bao Wang· 2025-10-20 06:36
位于英格兰西米德兰兹区域的斯托克市,英国医学中心地处曼彻斯特与伯明翰之间,交通便利、医 疗资源集中。该中心将专注为欧洲地区口腔医生提供定制化正畸方案设计、病例分析及正畸技术支持, 并通过专业的医学团队,确保服务更贴近当地临床实践,符合监管标准。 未来,正雅英国团队将依托公司在隐形正畸与颌位重建领域二十余年的技术积累,结合欧洲市场的 临床需求,开发更具针对性的解决方案。同时,中心也将与当地口腔医疗机构及学术组织展开深入技术 研发与合作,共同推动隐形正畸技术的临床创新。 正雅创始人及CEO姚峻峰表示:"英国是欧洲最具活力的医疗与科研市场之一。英国子公司与欧洲 医学中心的落成,不仅强化了我们的区域服务能力,也为更多欧洲医生与患者带来高质量的本地化支 持。未来,我们将继续以创新技术与精准医学为驱动力,助力全球医生提升诊疗效率,共同推动行业发 展。" 2025年9月,正雅齿科在全球布局中迈出重要一步——其位于英国特伦特河畔斯托克市(Stoke-on- Trent)的英国子公司兼欧盟医学中心正式投入运营,标志着正雅在欧洲市场的本地化战略进入全新阶 段,为区域合作医生提供更高效的正畸医学支持和服务。 该中心的成立,是正雅继 ...
ACCA加码大湾区财会人才建设,第十六届全国教育论坛在穗举办
Xiao Fei Ri Bao Wang· 2025-10-14 08:41
锚定区域战略核心,构建财会人才生态闭环 论坛现场,ACCA市场关系执行总监卢曦(Lucia Real Martin)表示:"粤港澳大湾区既是中国'走出 去'商业战略的核心枢纽,也是ACCA全球战略布局中的重要节点。为深入贯彻国家双循环经济战略, ACCA将持续加大资源投入,紧密对接大湾区产业发展与高端财会人才供给,为区域经济高质量发展注 入专业力量,进一步助力中国提升在国际金融市场的话语权与影响力。" 在全球经济格局深刻变革、数字化转型加速推进的背景下,全球财会专业组织ACCA(特许公认会 计师公会)携手广东金融学院联合举办"第十六届ACCA全国教育论坛",同期庆祝广东金融学院建校75 周年会计学院系列教育论坛及ACCA办学10周年,共话财会教育创新与人才培养新方向。 第十六届ACCA全国教育论坛 "与广东金融学院长达十年的合作,堪称ACCA'高校合作伙伴计划'的区域典范。过去十年间,双方 通过深度协作,已为社会培养并输送大批兼具国际视野与专业素养的财会人才。未来,ACCA将进一步 拓展合作版图,构建'教育-认证-就业'一体化财会人才生态体系,重点聚焦合作高校人才培养、企业雇 主跨境交流、行业及政府部门合作三 ...
租房新规为“串串房”敲警钟 甲醛防控需多方打响“持久战”
Xiao Fei Ri Bao Wang· 2025-09-26 04:05
Core Points - The implementation of the "Housing Rental Regulations" marks a significant step in addressing issues within China's rental housing market, providing consumers with stronger legal backing for their rights [1][2] - The new regulations emphasize health and safety standards for rental properties, particularly concerning indoor air quality and harmful substances like formaldehyde [2][7] Group 1: Regulatory Changes - The "Housing Rental Regulations" fill a gap in national-level administrative regulations in the housing rental sector, addressing common issues such as "串串房" (shoddy rentals) and "甲醛房" (formaldehyde-laden houses) [1][2] - Article 7 of the new regulations mandates that rental properties must comply with various safety and health standards, ensuring they do not pose risks to tenants [2][7] Group 2: Market Challenges - The rental market in China has expanded significantly, with nearly 260 million renters, including around 40 million in major cities, highlighting the scale of the issue [3] - Despite the growth, problems like formaldehyde contamination persist, often exacerbated by consumer misconceptions about air quality and safety [3][4] Group 3: Consumer Awareness and Rights - Many consumers hold misconceptions about the safety of newly renovated homes, believing that a lack of odor indicates safety, which contributes to the circulation of unsafe rental properties [3][5] - The new regulations provide tenants with the right to demand remediation from landlords if properties are found to have excessive formaldehyde or other safety issues [2][7] Group 4: Industry Practices - There are significant issues within the air quality testing and remediation market, including fraudulent practices that mislead consumers about the safety of their living environments [5][6] - The lack of clear contractual agreements regarding air quality in rental contracts complicates tenants' ability to seek redress [6][7] Group 5: Future Directions - Experts suggest that a multi-faceted approach is necessary to address the ongoing issues in the rental market, including stricter regulations on building materials and clearer standards for air quality [7] - Consumers are encouraged to utilize reputable channels for renting and to ensure proper air quality testing before moving in, which can help protect their health and rights [7]
主题邮局探索可持续发展新路径
Xiao Fei Ri Bao Wang· 2025-09-26 03:59
Core Insights - The theme post offices are becoming important carriers for the innovation and transformation of the postal system, leveraging cultural attributes and experiential spaces to enhance commercial potential while preserving postal culture [1][8] Group 1: Scene Creation and Consumer Attraction - Theme post offices focus on cultural expression and visual presentation in their space design, exemplified by the 24 Solar Terms theme post office, which integrates traditional and modern aesthetics [2][3] - Unique thematic elements, such as the Olympic-themed post office featuring a torch-shaped mailbox, serve as significant attractions, enhancing consumer engagement and nostalgia [2][3] Group 2: Product Development and Consumer Experience - Theme post offices are developing differentiated product matrices centered around "special" and "limited" offerings, such as postcards and cultural souvenirs that convey cultural significance [3][4] - Enhanced consumer experiences, including personalized services and interactive activities, increase consumer loyalty and engagement, with unique stamps becoming popular collectibles [3][4] Group 3: Strategic Development and Market Positioning - The theme post offices are exploring paths for sustainable growth by strengthening differentiation, enriching operational dimensions, and enhancing brand recognition in a competitive cultural consumption market [4][5] - To avoid homogenization, theme post offices must deeply integrate traditional postal services with cultural experiences, establishing a unique competitive edge [4][5] Group 4: Future Directions and Innovations - Future strategies include deepening IP-based operations to showcase local culture and collaborating with international IPs for co-creation, enhancing cultural memory and consumer engagement [6][7] - Upgrading consumer experiences by creating multifunctional spaces and offering personalized services can extend consumer dwell time and activate spending potential [7][8] - Strengthening digital capabilities to create an integrated online and offline cultural consumption ecosystem is essential for fostering long-term consumer relationships [7][8]
质量月里看“诉”求 服务升级靠“信”立
Xiao Fei Ri Bao Wang· 2025-09-26 03:59
Core Viewpoint - The 45th National Quality Month in China emphasizes "Enhancing Quality Awareness and Promoting High-Quality Development," highlighting the importance of quality issues for both businesses and consumers [1] Group 1: Consumer Complaints and Industry Insights - There has been a significant structural change in consumer complaints, with high-frequency terms like "customer service," "service attitude," and "problem resolution" indicating core consumer demands [2] - Key complaint areas include financial payment, online shopping, life services, healthcare, and education, with the financial payment sector accounting for 24.86% of complaints and online shopping at 19.61% [2] - Common complaint issues include "customer service not handling," "false advertising," and "unfair terms," which have become the most frequent keywords on the complaint platform [2] Group 2: Measuring Corporate Responsiveness - The relationship between complaint volume and service quality is complex; high complaint numbers do not necessarily indicate poor service quality [3] - Key metrics for assessing corporate commitment to consumer rights include response rate and resolution rate, with high rates reflecting effective consumer feedback mechanisms [3] Group 3: Case Study and Best Practices - Aikang Guobin's handling of complaints through a data-driven and responsive mechanism resulted in a 99% response rate and a 93% resolution rate, significantly above industry averages [4] - The company's average processing time for complaints was reduced from 3.2 working days in 2023 to 1.5 working days in 2024, showcasing effective complaint management [4] Group 4: Importance of Integrity and Service Quality - Integrity in business is essential for gaining market recognition, especially as consumer expectations for service quality rise [5] - The need for industries to analyze complaint cases and enhance self-regulation is crucial for improving consumer trust and service levels [6] - Companies are encouraged to integrate complaint management into their overall quality management systems, transforming consumer feedback into actionable improvements [6]
跳出“打卡框” 开辟多元价值空间
Xiao Fei Ri Bao Wang· 2025-09-26 03:52
Core Insights - The theme post office has evolved beyond being a mere tourist attraction, becoming a multifunctional hub that integrates public services with social needs, thus revitalizing the traditional postal concept [1][3] - The theme post office provides essential convenience services closely related to daily life, such as offering visitor services in tourist areas and facilitating community needs, thereby embedding itself into the lives of residents and tourists [1][2] Summary by Categories Convenience Services - Theme post offices serve as visitor service stations in tourist areas, addressing practical needs like providing drinking water and medical assistance [1] - In urban communities, theme post offices have added convenience functions, such as selling fresh produce directly to residents, thus solving daily shopping challenges [1] Regional Development - Theme post offices play a crucial role in regional development, particularly in promoting rural revitalization and local specialty industries [2] - They leverage postal system advantages and thematic packaging to create bridges for agricultural product sales and cultural dissemination [2] Public Welfare - The functions of theme post offices extend into public welfare, employing individuals with disabilities and involving them in creative product design and artwork [2] - This approach allows theme post offices to transcend commercial operations, becoming platforms for social responsibility and goodwill [2] Overall Impact - The extension of functions in theme post offices represents a modern interpretation of the service motto "People's Post for the People," focusing on cultural themes and innovative scenarios to meet social demands [3] - This multifaceted integration enhances the resilience of theme post offices, reducing reliance on transient popularity and establishing a stable operational foundation [3]
“国标十二香”走进墨西哥驻华大使馆 以酒为媒深化文化交流
Xiao Fei Ri Bao Wang· 2025-09-26 03:12
Core Insights - The event "2025 International Wine Culture Salon and Fenjiu Leading Twelve Aroma Embassy Tour" aims to enhance cultural exchange between China and Mexico through wine culture [1][3] - The event features a tasting of twelve different types of Chinese Baijiu, showcasing the depth and diversity of Chinese brewing culture [3][9] Group 1: Event Overview - The event was held on September 24 in Beijing, co-hosted by the China Light Industry Enterprises Investment Development Association and Shanxi Xinghuacun Fenjiu International Trade Co., Ltd [1] - Attendees included notable figures such as the Mexican Ambassador to China and leaders from various cultural and trade organizations [1] Group 2: Cultural Significance - Zhao Shuang emphasized that wine serves as a carrier of emotions and culture, highlighting its importance in both Chinese and Mexican cultures [3] - The event aims to foster cooperation in culture, tourism, trade, and investment between the two countries [3] Group 3: Diplomatic Relations - Ambassador Jesus Seade noted the long-standing and potential-rich relationship between China and Mexico, with both countries being ancient civilizations with vibrant cultural heritages [5] - The event symbolizes the deep friendship and cultural integration between the two nations, with plans to attract more Chinese tourists to Mexico through culinary experiences [5] Group 4: Contributions to Cultural Exchange - The Mexican Ambassador's wife donated three books to the Beijing International Club's Tree of Life Library to further promote cultural exchange [7] - Certificates were awarded to Mexican restaurants in China recognized for their authentic cuisine, marking the 15th anniversary of traditional Mexican cuisine being listed as a UNESCO Intangible Cultural Heritage [7] Group 5: Future Prospects - The event concluded successfully, enhancing mutual understanding and appreciation of wine culture between China and Mexico [9] - The series of events will continue to engage more embassies in China, promoting dialogue and cooperation through the unique cultural symbol of Baijiu [9]
常温奶“复原乳”退场 乳制品明确品质导向
Xiao Fei Ri Bao Wang· 2025-09-25 08:20
Core Viewpoint - The new regulation implemented by the Ministry of Agriculture and Rural Affairs starting September 16 mandates that sterilized milk (long-life pure milk) can only be produced using raw milk as the sole ingredient, prohibiting the use of reconstituted milk, which has sparked widespread attention in the dairy industry and consumer market [1][2]. Industry Impact - The regulation is expected to benefit consumers by ensuring that long-life milk truly returns to its essence of being made from raw milk, thereby enhancing public trust in dairy products [1][2]. - For companies, the regulation represents a survival of the fittest scenario, as those that previously relied on reconstituted milk to lower costs will need to increase their raw milk procurement, driving demand for raw materials and pushing the industry towards the construction of high-quality milk source bases [1][2]. Challenges - Short-term production costs for long-life milk may rise, potentially leading to price increases for some mid-to-low-end products [2]. - The stability and sufficiency of raw milk supply will be critical in assessing the effectiveness of the new regulation; insufficient supply may force companies to cut production capacity, further concentrating the industry and squeezing the survival space for small and medium-sized dairy enterprises [2]. Long-term Perspective - The regulation is not just an adjustment of raw material standards but a correction of the development logic of China's dairy industry, aiming to solidify market foundations by requiring higher production standards to ensure consumer confidence [2][3]. - The policy encourages companies to accelerate the construction of milk source bases and improve cold chain logistics and processing technology, presenting an opportunity for the dairy industry to transition towards high-quality development [2][3]. Regulatory Enforcement - Effective implementation of the regulation requires a "complementary package" approach, including strict enforcement by regulatory bodies to prevent companies from evading the new rules through ambiguous labeling or concept substitution [2]. - There is a need for increased public education to help consumers understand the differences between reconstituted milk and raw milk, avoiding societal panic over the demonization of reconstituted milk, which is not inherently a problematic food but should be used appropriately in specific contexts [2]. Quality Orientation - The new regulation reflects a decisive shift in dairy regulation towards a quality-oriented approach, responsible for consumer health and an important step towards industry upgrading [3]. - If companies can achieve quality improvement and efficiency under the new regulation, the Chinese dairy industry can break free from the "low-end competition" trap and move towards a new phase where quality and brand trust drive market success [3].