合规与展业如何“齐步走”？

Core Viewpoint - The article discusses the growing involvement of trust companies in consumer finance, highlighting their unique advantages and the various business models they employ to support consumer spending and financial inclusion [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, particularly targeting middle and low-income groups and small enterprises [2]. - The main business models for consumer finance trust services include "assistance loan" model, "flow loan" model, and asset securitization model, with specific examples of trust companies engaging in these models [2]. - In 2023, 23 trust companies engaged in consumer finance, with a total business scale of 4,536.67 billion yuan, indicating significant market participation [3]. Group 2: Consumer Complaints and Regulatory Environment - Trust companies face consumer complaints in the consumer finance sector, with notable figures such as 9,897 complaints received by Guomin Trust in 2024, primarily related to consumer finance [4]. - The National Financial Regulatory Administration has issued guidelines to strengthen the management of internet lending by commercial banks, which will also apply to trust companies' inclusive finance services [4][5]. - Trust companies are encouraged to enhance consumer rights protection through better management of partner institutions, marketing practices, and personal information security [4]. Group 3: Technological Integration and Risk Management - Trust companies are advised to integrate technology such as big data, blockchain, cloud computing, and artificial intelligence to improve the innovation and service levels of inclusive finance products [5]. - Emphasis is placed on comprehensive risk management throughout the consumer finance process, addressing risks at pre-loan, during-loan, and post-loan stages [5].