金融“组合拳”激活消费引擎 哈银消费金融以数智化创新助力4000亿普惠目标

Group 1 - The People's Bank of China and five other government departments issued guidelines to enhance and expand consumption, proposing 19 key measures across six areas [1] - The focus areas for financial support include goods consumption, service consumption, and new consumption, with initiatives aimed at innovating consumer credit products and optimizing financial services for trade enterprises [1] - Licensed consumer finance institutions are identified as key vehicles for implementing these policies, with Ha Yin Consumer Finance actively responding to national calls since 2020 [1] Group 2 - Ha Yin Consumer Finance utilizes digital platforms for online operations, integrating credit data and big data analytics to build an intelligent risk control system for quick credit assessments [2] - The company operates a "digital + localized" service model, ensuring compliance through on-site due diligence while providing a seamless online application process [2] - By May 2025, Ha Yin Consumer Finance aims to support over 400 billion yuan in inclusive financial consumption, reaching more than 18 million people, showcasing the role of technological innovation in boosting consumption [2]