中邮消费金融十载普惠路：科技为楫暖民生 责任为锚行致远

Core Viewpoint - China Post Consumer Finance Co., Ltd. has established itself as a significant player in the consumer finance sector over the past ten years, focusing on inclusive finance and leveraging technology to enhance service delivery [1][2]. Group 1: Company Overview - Established in November 2015, China Post Consumer Finance aims to provide inclusive financial services across various consumer scenarios, including digital products, travel, education, and home decoration [1][4]. - The company has developed over a hundred application systems and engaged in various social responsibility initiatives, including education and anti-fraud campaigns [1][2]. Group 2: Inclusive Finance Strategy - The concept of inclusive finance has been emphasized since the Central Financial Work Conference in October 2023, positioning it as a key driver for high-quality development and service to the real economy [2]. - China Post Consumer Finance has created a product system centered around "You Loan," which covers multiple consumption scenarios and has upgraded its "China Post Wallet APP" to enhance user experience [4]. Group 3: Financial Performance - As of October 2025, the company has served 18.57 million key customer groups, with a loan issuance scale exceeding 1 trillion yuan [5]. - Since 2022, the comprehensive loan pricing has decreased by 4.53% compared to the end of 2021, reflecting the company's commitment to lowering costs for consumers [4]. Group 4: Technological Innovation - The company has developed the "You Vision" model to enhance service efficiency, achieving significant improvements in internal processes and customer experience [5][6]. - It has implemented a comprehensive intelligent defense system for fraud prevention, covering the entire loan process from approval to management [6][8]. Group 5: Consumer Rights Protection - China Post Consumer Finance actively promotes consumer rights protection through financial education initiatives, targeting key demographics such as the elderly, youth, and new citizens [9][11]. - The company has conducted nearly 20 creative anti-fraud public welfare activities since 2021, reaching over 100 million consumers [11]. Group 6: Social Responsibility - Beyond consumer rights protection, the company is involved in rural revitalization efforts, utilizing multi-dimensional agricultural data to enhance financial services for rural customers [11]. - The company aims to continue innovating and enhancing financial experiences while maintaining a commitment to social responsibility and sustainable development [11].