智通财经APP获悉，美东时间周五(2月7日)美股收盘，受美股普涨、春节假期到来及多部门联合发文支 持消费、2025Q4业绩即将出炉等驱动因素影响，中国领先的新消费数字科技服务商乐信(LX.US)上涨 6.04%，收盘价2.81美元，当日成交额400.42万美元。 资本市场层面，受美股三大指数全线收涨，道指首次站上5万点关口。截至收盘，道指涨2.47%，报 50115.67点创历史新高；纳指涨2.18%，报23031.21点；标普500指数涨1.97%，报6932.30点。 中概股周五延续强势表现，纳斯达克中国金龙指数涨3.71%，万得中概科技龙头指数涨2.90%。世纪互 联涨超10%，陆控涨约10%，禾赛科技、小马智行涨超9%，万国数据涨近9%，蔚来涨超7%，好未来涨 超6%。 乐信股价的大涨，主要是包括央行在内的多部门联合发文支持金融及新型消费、整体估值较低等因素影 响。 近期，商务部、人民银行、金融监管总局联合印发《关于加强商务和金融协同 更大力度提振消费的通 知》，围绕商品消费、新型消费等领域推出 11 条政策措施；此后，商务部、金融监管总局等 9 部门又 发布《2026 "乐购新春" 春节特别活动方案 ...

据悉，该贴息优惠活动已持续数月，并逐步扩大覆盖范围与贴息力度，从深受年轻消费群体热爱的3C 品类，覆盖至全品类商品。用户不仅能以更具优势的价格购买心仪商品，在符合条件的情况下还可享受 多周期贴息优惠。 以 iPhone 17 pro 256G 为例，银色款在分期乐商城的售价为8849元，低于官方售价；另以冬日保暖刚需 羽绒服为例，某国产大牌羽绒服在分期乐商城售价533元，低于官方店铺售价。在此基础上，分期乐商 城提供更灵活的分期与贴息组合方案，切实降低用户阶段性支付压力，助力消费需求有序释放。此外， 用户在 "年货节"期间（1.22-2.3）下单还可获赠50元超市金，综合下来，分期乐商城商品价格优势明 显，成为众多90后、95后的消费首选。 近期，财政贴息等政策工具持续发力，引导金融资源流向居民合理消费需求，推动消费潜力进一步释 放。在促消费、扩内需的市场共识下，众多企业开始探索如何将其与自身业务场景深度结合，帮助将政 策红利转化为实实在在的消费支持。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ iPhone17 pro售价比官方更便宜、分期还能免息或贴息——这是乐信（NASDA ...

分期乐商城商城相关负责人表示："春节是全年最重要的消费节点之一，我们希望通过更合理的活动节 奏和更贴近生活的商品与福利设计，让优惠真正转化为生活品质的提升。同时，年货节继续延续全品类 覆盖和分期服务优势，为年轻消费者提供更灵活、更友好的消费支持"。 春节脚步临近，年货消费迎来集中释放。近日，乐信（NASDAQ：LX）旗下分期乐商城正式上线"年货 节"活动，活动将持续至2月3日。活动期间，热门3C年货好礼直降千元，更有188元年货消费盲盒限时 开抢。依托全商品品类供给与多周期、多重优惠，分期乐商城旨在为消费者提供更实惠、更从容的春节 消费体验，持续点燃年味消费活力。 据了解，本次"年货节"采取"多周期多重福利和分段释放"的设计，更好地满足不同时段不同客群的囤货 焕新需求。活动期间，围绕"家庭囤货"、"新春焕新"和"欢聚送礼"春节三大核心消费场景，分期乐商城 为大家甄选出覆盖潮电数码、运动鞋服、美妆饰品、食品年货、日用百货、家电产品等领域的品牌热卖 好物，满足家庭囤货、走亲访友以及个人焕新等多重需求。 具体优惠设置上，分期乐商城通过多层次福利叠加，降低用户春节消费门槛。在在全周期活动中，用户 在分期乐商城购买部分 ...

Core Insights - The Buy Now Pay Later (BNPL) service is entering a "2.0" phase, particularly in China, where the market is experiencing strong growth, with BNPL accounting for 2% of e-commerce transaction volume and projected to reach 928.2 billion yuan in 2024, a year-on-year increase of 2% [1][9]. Group 1: Industry Overview - BNPL, also known as "buy now, pay later," is a new payment method that allows consumers to receive products before making payment, essentially functioning as a short-term credit product [4]. - The BNPL service is primarily provided by local leading applications or well-known e-commerce platforms in China, such as Ant Group's Huabei, JD's Baitiao, and WeChat's Fenfu, which significantly promote its adoption and growth [1][9]. Group 2: Market Dynamics - The BNPL industry is characterized by a high concentration of major players, with e-commerce platforms like JD and Pinduoduo leading the market by integrating BNPL services into their shopping processes [11]. - The main user demographic for BNPL services is the younger generation, who prefer flexible payment options over traditional credit cards due to simpler application processes and lower barriers to entry [9]. Group 3: Competitive Landscape - The competitive landscape of the BNPL industry is defined by a dominance of e-commerce platforms, collaboration with payment networks, and the presence of niche vertical platforms that fill market gaps [11]. - JD Group has developed its BNPL product, JD Baitiao, which allows users to enjoy flexible payment options across various scenarios, including online and offline purchases [12]. Group 4: Future Trends - Future innovations in the BNPL industry will focus on smart, personalized, and secure solutions, leveraging big data and AI for better credit assessments and utilizing blockchain for transaction security [14]. - The market competition is expected to intensify, with smaller BNPL providers facing potential acquisitions or mergers, while innovative companies may emerge as industry leaders [15]. - Regulatory scrutiny is anticipated to increase, with governments likely to implement stricter regulations on BNPL services regarding fees, terms, and transparency to protect consumer rights [16].

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 近日，2025年广东银行业普惠金融创新实践优秀案例公布。乐信（NASDAQ：LX）旗下分期乐普惠"相 信微小梦想"计划凭借在金融科技赋能小微企业发展方面的创新实践，获评"新数智新场景先锋系案 例"。与分期乐普惠一同上榜的还有中国农业银行、中国建设银行、交通银行、浦发银行等金融机构。 普惠金融是"五篇金融大文章"之一，对于支持小微企业、个体工商户健康发展，推动经济社会高质量发 展具有关键作用。长期以来，受限于财务不规范、缺乏抵押物、经营分散等因素，县域小微企业、个体 工商户往往被传统风控体系视为抗风险能力较弱的群体，普遍面临融资难、融资慢困境。 分期乐普惠积极践行普惠金融理念，长期深耕小微服务领域。2024年底，分期乐普惠正式推出"相信微 小梦想"计划，旨在链接超百亿元资金，专注支持县域小微企业与个体经营者成长发展。该计划的核心 在于依托金融科技手段，破解小微融资中的信息不对称与风控难题。分期乐普惠建立了"线上+线下"深 度融合的双重风控与服务能力体系。在线上，依托大数据风控系统、智能化工具，对客户信用进行多维 度、动态化验证，提升风险评 ...

Market Overview - On January 7, U.S. stock markets experienced significant volatility, with the Dow Jones Industrial Average dropping 466 points, a decline of 0.94%, closing at 48,996.08 points [4] - The market initially showed optimism with a high opening but faced a sharp decline towards the end of the trading session, reflecting a shift in investor sentiment from anticipation of interest rate cuts to concerns over tightening policies [4] Federal Reserve Commentary - Recent statements from Federal Reserve officials have dampened expectations for interest rate cuts in 2026, with officials indicating that the current policy is close to "neutral" and that the space for rate cuts is limited [4] - Key economic indicators, including a slower pace of inflation decline and a strong labor market, have contributed to the Fed's cautious stance, reducing the likelihood of a rate cut in March [4] Chinese Assets Performance - In contrast to the U.S. market, Chinese assets showed strong performance on January 7, with several Chinese concept stocks experiencing significant gains, including a 70.83% increase in Zhongchi Chefu and a 28.53% rise in 3ENetwork Technology [5] - The Hong Kong ADR index also saw a positive trend, closing at 23,246 points, up 174.04 points, with major stocks like Tencent and HSBC contributing to the upward movement [5]

（来源：北京商报） 此次荣获"2025公益榜样"，正是对分期乐普惠长期深耕县域产业小微、践行普惠金融理念的认可。乐信 副总裁、分期乐普惠负责人杨涛表示，"我们一直关注县域小微群体的'急、难、愁、盼'。未来，我们 将进一步夯实'线上精准风控'与'线下直营团队'双重能力，努力让每一位勤恳奋斗的小微经营者都能便 捷获取高质量的金融服务，长期陪伴小微企业成长、助力实体经济高质量发展。" 作为长期深耕小微服务领域的分期乐普惠，多年来一直积极践行普惠金融理念、助力小微发展。去年 底，分期乐普惠进一步推出了"相信微小梦想"计划，专注县域特色产业带和产业带小微，计划将链接超 百亿元资金，深度助力县域小微企业发展。 "线上+线下"的双重能力体系为更好服务小微提供了重要支撑。线上，依托大数据与AI技术构建的智能 风控体系，平台能精准评估小微经营者的"软实力"，破解无抵押融资难题；线下，超过2000人的属地化 直营团队深入工厂商铺、田间地头，为小微企业提供一对一上门服务，将"最快一分钟放款"的便捷体验 送至经营者手中。 "相信微小梦想"计划推出一年来，累计帮助约60万小微用户，为包括湖北潜江小龙虾、安徽灵璧葡萄、 河北唐县肉羊、广 ...

Group 1 - The "Annual Outstanding AI Application Enterprises" award recognizes leading companies that have achieved technological breakthroughs in the field of artificial intelligence and guide future development paths [4] - The selected companies span multiple key sectors, such as industrial manufacturing and smart healthcare, applying AI technology to create significant commercial value [4] - The evaluation process for the awards involved quantitative data analysis and a panel of expert judges to determine the final results [4] Group 2 - The "Golden Grid Award" aims to create a reference list of the most valuable listed companies and unicorns in the investment community, with a global perspective focused on China [4] - The award selection covers all listed companies and unicorns on major exchanges, including the Hong Kong Stock Exchange, Shanghai Stock Exchange, Shenzhen Stock Exchange, New York Stock Exchange, and NASDAQ [4] - Ten companies were awarded the title of "Annual Outstanding AI Application Enterprises," including Innovation Works, Hehe Information, BGI Genomics, Lexin, Qiniu Intelligent, 360 Security Technology, SenseTime, WeDoctor, Yixin Group, and Zhongkang Holdings [1][4]

Core Insights - The article highlights the growing maturity of artificial intelligence (AI) technology and its profound impact on various industries, with Lexin winning the "Annual Excellence in AI Application" award for its comprehensive use of AI across its business processes [1][3]. Group 1: Award Recognition - The "Annual Excellence in AI Application" award recognizes companies that achieve technological breakthroughs in AI and guide future development paths, with Lexin being acknowledged for its AI capabilities [3]. - Lexin is noted as a leading new consumption digital technology service provider in China, having established a "data-model-scenario" framework that enhances operational efficiency and user experience through AI [3][5]. Group 2: AI Technology Implementation - Lexin has been an early adopter of advanced AI models, including DeepSeek, and has continued to integrate new models like DeepSeek R1 and QWen3 to enhance its AI capabilities [3][4]. - The "Singularity" AI model has been fully implemented by Lexin's R&D team, generating an average of 860,000 code assists per month and providing 210,000 quality improvement suggestions over the past year [3][4]. Group 3: Operational Efficiency - Lexin's AI-driven risk control strategies have automated the entire process from demand to strategy generation, significantly improving efficiency and enhancing risk management [4][5]. - Customer service AI agents have reduced average response times to under 10 seconds, achieving an intelligent resolution rate of nearly 90% for user inquiries [5]. Group 4: Future Outlook - The recognition from the award underscores Lexin's capabilities in AI technology development and application, with plans to increase AI R&D investment and focus on the deep integration of "finance + AI" [5].

Group 1 - The core event is the announcement of the "Annual Outstanding AI Application Enterprises" awards during the "Technology Empowerment, Capital Breakthrough" sharing session held by Gelonghui on December 22 [1][4] - Ten companies were recognized for their achievements in AI applications, including Innovation Works, Hehe Information, BGI Genomics, Lexin, Qiniu Intelligent, 360 Security Technology, SenseTime, WeDoctor, Yixin Group, and Zhongkang Holdings [1][4] - The awards aim to honor leading companies that have made technological breakthroughs in the AI field and are guiding future development paths, covering key areas such as industrial manufacturing and smart healthcare [4] Group 2 - The selection process for the awards involved quantitative data analysis and evaluations by an expert review panel [4] - Gelonghui's initiative is to create a reference list of the most valuable listed companies and unicorns in the investment community, with a global perspective focused on China [4] - The awards encompass all listed companies and unicorns on major stock exchanges, including the Hong Kong Stock Exchange, Shanghai Stock Exchange, Shenzhen Stock Exchange, New York Stock Exchange, and NASDAQ [4]