科技赋能与风险管控双轮驱动，哈银消金交出消费金融“稳健答卷”

Core Insights - The People's Bank of China and six ministries issued guidelines to support and expand consumption, creating new opportunities for the consumer finance sector [1][2] - Harbin Consumer Finance Company has achieved significant milestones, with a cumulative investment exceeding 330 billion yuan and over 25 million customers [1] Group 1: Policy and Industry Context - The guidelines propose 19 measures across five dimensions to enhance consumer capacity, optimize financial services, and strengthen infrastructure support [1] - The consumer finance industry is entering a high-quality development phase following the implementation of these guidelines [2] Group 2: Company Initiatives and Achievements - Harbin Consumer Finance emphasizes compliance as a core principle, establishing a comprehensive compliance management system [1] - The company has been recognized for its compliance management, receiving an A-grade in the annual assessment by the People's Bank of China [1] - A consumer rights protection committee has been established, implementing a full-cycle consumer protection mechanism [2] Group 3: Technological Advancements and Customer Engagement - The company has accelerated the application of AI technology, improving service response efficiency by 40% through the use of intelligent voice robots [2] - Harbin Consumer Finance has launched financial education initiatives, reaching over 5 million people through various campaigns [2] - The company has been awarded the "Annual Social Responsibility" award, highlighting its commitment to serving the public [2]