延长还款期限，减轻还款压力——消费金融打出纾困组合拳

Group 1 - The core viewpoint of the articles highlights the financial support measures introduced by regulatory bodies to alleviate the difficulties faced by small and micro enterprises and individuals affected by the pandemic [1][2][3] - The China Banking and Insurance Regulatory Commission (CBIRC) has issued a notice to enhance financial services for struggling industries, including increasing credit support and improving the tolerance for non-performing loans [1] - The State Council has also proposed policies to encourage loan deferments for small and micro enterprises, individual businesses, and affected personal housing and consumption loans [1] Group 2 - Consumer finance is focusing on targeted relief measures to address financial service challenges for affected sectors and individuals, such as extending repayment periods and adjusting repayment plans [2][3] - Companies like Industrial Bank Consumer Finance are offering policies like three-month interest-only payments to ease immediate financial burdens for clients [2] - The "Thousand-Mile Horse·Rural Talent Training Program" initiated by Ma Shang Consumer Finance aims to support rural entrepreneurs and young talents through online assistance and training [2] Group 3 - The effectiveness of increasing consumer loan support in stimulating demand is contingent on residents having stable incomes, with suggestions for issuing small, short-term consumption vouchers to boost spending [3] - Consumer finance companies are addressing the unique needs of small and individual businesses, which often face challenges such as unstable income and lack of collateral, by leveraging big data for risk management [3][4] - Companies are implementing advanced risk control systems to enhance service efficiency, with examples including the automated approval process by Industrial Bank Consumer Finance [4] Group 4 - Consumer finance companies are expanding their services to meet the needs of small and individual businesses, utilizing big data to optimize risk management throughout the lending process [4] - The industry is encouraged to innovate flexible financial products tailored to individual businesses and gig workers, simplifying processes and enhancing service accessibility [4]