中邮消费金融扎实推进ESG实践，引领高质量发展新路径

Core Viewpoint - China Post Consumer Finance actively practices the financial "five major articles," focusing on inclusive finance, digital finance, and green finance, while solidifying its ESG governance system to provide a replicable model for high-quality industry development [1][5]. Group 1: Inclusive Finance - As a national licensed consumer finance institution initiated by Postal Savings Bank, China Post Consumer Finance has adhered to the "finance for the people" philosophy for nearly a decade, aiming to enhance the accessibility and coverage of financial services [2]. - The company has developed a product system centered around "You Loan," covering various consumption scenarios such as 3C digital products, travel, education, and home decoration [2]. - In the first half of 2025, the company's comprehensive loan pricing decreased by 21 basis points compared to the end of the previous year, issuing 103.8 billion yuan in inclusive loans and providing support plans for 25,300 customers [2]. Group 2: Technological Empowerment - China Post Consumer Finance adheres to the "technology first" principle, continuously deepening technological innovation and system construction to support its ESG governance system [3]. - As of June 2025, the company has obtained 104 authorized patents and 121 software copyrights, with over 90% of its application systems being self-developed, significantly improving loan approval efficiency [3]. - The company has developed AI models and digital assistants to enhance customer service, risk management, and operational efficiency, intercepting over 1.09 million non-compliant applications in 2024 [3]. Group 3: Green Finance - The company actively responds to national "dual carbon" goals by integrating green concepts into its consumer finance scenarios and operations [4]. - Initiatives include launching a "recycling old appliances" promotion in collaboration with Guangdong UnionPay and introducing a "Postal Forest" feature that rewards users for green behaviors [4]. - By the end of 2024, over 89% of the company's loan balance will be online, moving towards a paperless operation model, while promoting green practices in daily office operations [4]. Group 4: Future Outlook - In the first half of 2025, China Post Consumer Finance demonstrated a strong commitment to ESG construction, showcasing the synergy between social responsibility and business development [5]. - The company plans to further embed ESG principles into its business processes, continuously optimizing the implementation of inclusive finance, technological innovation, and green practices to support the sustainable and high-quality development of the consumer finance industry [5].