中邮消费金融半年报发布：ESG实践引领高质量发展

Core Insights - 中邮消费金融 reported a significant increase in net profit by 165.97% year-on-year, achieving a net profit of 633 million yuan and operating revenue of 3.972 billion yuan in the first half of 2025 [1] - The company actively promotes inclusive finance, digital finance, and green finance, contributing to high-quality industry development through its ESG governance framework [1] Group 1: Financial Performance - The company issued 103.8 billion yuan in inclusive loans, providing financial support to 25,300 customers through various relief measures [2] - The comprehensive loan pricing decreased by 21 basis points compared to the end of the previous year [2] Group 2: Technological Innovation - 中邮消费金融 has developed the "邮远见" AI model and "邮小宝" digital assistant to enhance customer service, risk management, and operational efficiency [3] - The company holds 104 authorized patents and 121 software copyrights, with over 90% of its application systems being self-developed, significantly improving loan approval efficiency [2] Group 3: ESG Initiatives - The company integrates green concepts into its operations and consumer finance, promoting green consumption and supporting national carbon reduction goals [3] - Initiatives like the "广东家电以旧换新叠优惠" campaign and the "邮邮森林" feature incentivize users to engage in environmentally friendly behaviors [3] Group 4: Operational Efficiency - 中邮消费金融 is transitioning to a paperless operation model, with over 89% of its loan balance being online by the end of 2024 [4] - The company promotes low-carbon practices in daily operations, including the use of a paperless office system and recycling office supplies [4]