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Core Viewpoint - Xiamen Jinmeixin Consumer Finance Co., Ltd. has publicly announced a loan restructuring agreement, which is a rare move among financial institutions, aimed at providing relief to specific borrowers facing repayment difficulties [1][3]. Group 1: Loan Restructuring Agreement Details - The agreement allows borrowers to apply for restructuring of the remaining principal of their original loans [1]. - It specifies the restructuring method, amount, term, and interest rate, with a fixed annualized interest rate calculated using the one-year Loan Prime Rate (LPR) published by the National Interbank Funding Center [1]. - Repayment is structured as equal principal and interest payments, with the borrower required to repay a fixed total amount each month [1]. - If the borrower opts for an extension, the lender will report this to the credit system, marking the borrower's credit report with a "special transaction type" [1]. Group 2: Market Context and Implications - The restructuring agreement is a result of negotiations between Jinmeixin and specific users, reflecting a broader trend where financial institutions have their own negotiation policies, but few publicly disclose restructuring agreements [3][4]. - Different types of financial institutions have varying levels of flexibility in negotiations, with consumer finance companies facing more challenges compared to larger banks [5]. - The recent regulatory guidance encourages financial institutions to reasonably conduct consumer loan relief efforts, which can help reduce repayment pressure and stabilize loan quality [5]. Group 3: Financial Performance and Company Background - Jinmeixin was established in 2018 and is the 23rd consumer finance company in China, with a registered capital of 500 million yuan [7]. - The company reported a net profit of 20.56 million yuan for 2024, a significant decline of 71% year-on-year [7]. - As of the end of 2024, Jinmeixin's total assets amounted to 5.516 billion yuan, a decrease of 12.62% year-on-year, with a loan balance of 5.33 billion yuan [7].