中银消费金融2024年度社会责任暨ESG内容披露

Core Viewpoint - BOC Consumer Finance emphasizes its commitment to a people-centered development philosophy, providing convenient and professional consumer finance services while actively fulfilling corporate social responsibilities for sustainable development [5]. Group 1: Green Development Initiatives - The company integrates green and low-carbon principles into its operations, aligning with national strategic deployments to offer sustainable financial solutions [9]. - BOC Consumer Finance promotes green office practices and resource conservation through digital platforms, reducing paper, electricity consumption, and carbon emissions from business travel [13][14]. - The company prioritizes the procurement of materials and services that meet national certification standards and possess low-carbon attributes [16]. Group 2: Technological Empowerment - The company advances digital transformation to enhance online, intelligent, and paperless financial services, such as remote signing for large loans, improving customer experience while reducing carbon emissions [19][20]. Group 3: Consumer Welfare and Product Innovation - BOC Consumer Finance focuses on providing accessible financial services to new citizens and rural residents, bridging the financial gap through innovative products like credit loans and salary loans [21][22]. - The company actively responds to national policies by innovating credit services for key consumption scenarios, enhancing customer experience through measures like increasing credit limits and extending repayment terms [23][24]. Group 4: Consumer Rights Protection - The company incorporates consumer rights protection into its core responsibilities, organizing multiple meetings to supervise the implementation of key tasks and revising policies to enhance information protection [25][26]. - BOC Consumer Finance has upgraded its customer service mechanisms, achieving a satisfaction rate of 99.2% from over 1.52 million calls received in 2024 [30]. Group 5: Community Engagement and Corporate Culture - The company engages in community support by sourcing agricultural products from specific regions and conducting charitable activities, including blood donation and training for first aid [39]. - BOC Consumer Finance fosters a harmonious corporate culture by enhancing employee well-being through various support initiatives and encouraging employee participation in company development [36]. Group 6: Governance and Risk Management - The company emphasizes governance through a structured framework involving shareholders, board members, and senior management to enhance operational efficiency [46]. - BOC Consumer Finance has established comprehensive risk management policies and a three-line defense system to improve overall risk prevention effectiveness [47][48].