全国首个消费金融指数发布 重庆消费金融行业提质增效

Core Insights - The 2025 China Consumer Finance Index (CCFI) was officially released, marking the first publicly available comprehensive evaluation index for the consumer finance industry in China [1] - The report highlights Chongqing's consumer finance development practices, establishing a "Chongqing Standard" for local consumer finance growth [1] Group 1: Development Level - Chongqing ranks among the top tier of consumer finance development in China, alongside Shanghai and Beijing, with personal consumer loan balances reaching 892.253 billion yuan (excluding housing loans) by the end of 2024, reflecting a year-on-year growth of 9.9% [2] - The comprehensive strength of consumer finance institutions in Chongqing is also ranked first nationally, with over 80 consumer finance supply entities across various sectors, including banks, consumer finance companies, auto finance companies, and online lending [2] Group 2: Digital Innovation - Chongqing leads the industry in digital innovation capabilities, with local consumer finance and online lending companies at the forefront of technological advancements in areas such as big data, artificial intelligence, and knowledge graphs [2] - By the end of 2024, three consumer finance companies in Chongqing accounted for over half of the national patents and invention patent authorizations, while 37 online lending companies held two-thirds of the national invention patents and one-third of software copyrights [2] Group 3: Industry Infrastructure - The development of the consumer finance industry in Chongqing remains at a leading national level, with the establishment of the National Financial Technology Certification Center and the Chengdu-Chongqing Financial Court, the first financial court in Central and Western China [3] - Chongqing has also created the first cross-regional social organization for consumer rights protection in the banking and insurance sectors, as well as the first alliance to combat financial black market activities [3] - The "Yujintong" and "Yujindun" financial platforms provide foundational support for the digital financial scene applications across the industry [3]