中原消金九年征程：坚守金融为民初心，绘就普惠金融新篇章

Core Viewpoint - Henan Zhongyuan Consumer Finance Co., Ltd. has been committed to inclusive finance for nine years since its establishment in December 2016, significantly contributing to the financial needs of underserved populations and enhancing economic development [1][3]. Group 1: Company Achievements - As of December 2025, Zhongyuan Consumer Finance has issued loans exceeding 510 billion yuan, with a loan balance of over 44 billion yuan, serving more than 28 million customers [3][4]. - The company has developed a dual-channel approach, combining online and offline services to enhance financial accessibility, particularly in rural areas and among new urban residents [3][4]. Group 2: Service Innovations - Zhongyuan Consumer Finance utilizes big data and cloud computing to create precise profiles of rural users, enabling them to complete the entire loan application process online [4]. - For new urban residents, the company has established dedicated credit models and risk assessment mechanisms, launching products tailored to their consumption needs, with a loan balance of 21.4 billion yuan for this demographic, serving 12 million new residents [4]. Group 3: Consumer Activation Strategies - The company has implemented various measures to stimulate consumption, including subsidies and interest-free offers, benefiting 3.46 million users and providing over 52.46 million yuan in financial relief [5]. - By integrating financial services into everyday consumer scenarios, such as shopping districts and supermarkets, Zhongyuan Consumer Finance has achieved a loan balance of 29 billion yuan in key consumption areas, accounting for 67% of its total loans [5]. Group 4: Future Commitment - Zhongyuan Consumer Finance remains dedicated to serving national strategies and meeting public needs, aiming to innovate service models centered around users and contribute to common prosperity through inclusive finance [6].