Core Insights - The consumption finance industry in China has experienced significant growth over the past decade, with the number of institutions increasing from 4 to 31 and total assets and loan balances exceeding 1.3 trillion yuan, becoming a vital force in promoting high-quality economic development [1] Industry Development - In June 2015, the State Council decided to expand the pilot program for consumption finance companies nationwide, marking the beginning of a "golden decade" for the industry [1] - Since 2016, a series of top-level designs have been introduced to inject continuous momentum into the consumption finance sector, focusing on enhancing financial supply in the consumption field and innovating financial products [2] Company Overview - China Postal Savings Bank initiated the establishment of China Postal Consumer Finance Co., Ltd. in October 2015, which has evolved into a leading player in the industry, aligning with national policies and market demands for high-quality development [1][2] - The company adheres to the core philosophy of "inclusive finance," aiming to make financial services accessible and affordable for a broader population [2] Customer Focus and Service Expansion - As of October 2025, the company has served 18.57 million key customer groups, with a loan issuance exceeding 1 trillion yuan, contributing to the national strategy of expanding domestic demand [3] - The company has seen a 4.53 percentage point decrease in comprehensive loan pricing since the end of 2021, reflecting its commitment to affordability and customer-centric services [3] Market Engagement and Innovation - The company has tailored products like "New Citizen Loan" to meet the urgent financial needs of specific groups, including new citizens and rural populations, thereby supporting rural revitalization [4] - It has optimized service processes and enhanced user experience through the "Postal Wallet APP," which simplifies loan procedures and lowers service usage barriers [4] Technology and Digital Transformation - The company has established a robust technology framework, with 106 authorized patents and 135 software copyrights, enabling efficient operations and automated loan approvals [7] - It has developed an intelligent fraud prevention system that successfully intercepts over a million fraudulent transactions annually, recovering significant amounts in potential losses [8] Social Responsibility and Community Engagement - The company emphasizes consumer rights protection and has established a comprehensive consumer protection system, integrating consumer protection principles into product design and service delivery [9] - It actively engages in community service and educational initiatives, including financial literacy programs and volunteer activities, reflecting its commitment to social responsibility [10] Future Outlook - As the consumption finance industry enters a new phase focused on quality, efficiency, and sustainability, the company aims to deepen its digital transformation and enhance service quality, striving to become a leading domestic consumption finance institution [11]
十年笃行铸普惠 初心如磐向未来 中邮消费金融谱写高质量发展华章
Jin Rong Shi Bao·2025-11-20 02:07