合规与展业如何“齐步走”

Core Viewpoint - The development of consumer finance by trust companies is a strategic move to enhance consumption and support the broader financial ecosystem, particularly in the context of the government's push for a more inclusive financial system [1][2]. Group 1: Trust Companies' Involvement in Consumer Finance - Trust companies leverage their flexible institutional advantages and diverse funding channels to play a unique role in the inclusive finance sector, targeting middle and low-income groups as well as small and micro enterprises [2]. - The main models for trust companies in consumer finance include "assistance loan" model, "flow loan" model, and asset securitization model, with the "assistance loan" model involving partnerships with consumer finance companies [2]. - In 2023, 23 trust companies engaged in consumer finance, with a total business scale of 4,536.67 billion yuan [3]. Group 2: Business Expansion and Consumer Complaints - Trust companies are actively optimizing cooperation models and expanding customer bases to enhance their inclusive finance offerings, as seen in the strategies of Tianjin Trust and Huaxin Trust [3]. - Consumer complaints in the consumer finance sector have been significant, with National Trust reporting 9,897 complaints in 2024, primarily related to consumer finance services [4]. - The industry is urged to strengthen consumer rights protection across various dimensions, including management of partner institutions and marketing practices [4]. Group 3: Technological Empowerment and Risk Management - Trust companies are encouraged to enhance their technological capabilities by utilizing big data, blockchain, cloud computing, and artificial intelligence to improve the innovation and service levels of inclusive finance products [5]. - Effective risk management throughout the entire consumer finance process is emphasized, focusing on pre-loan, during-loan, and post-loan risk management elements [5].