新年消费“开门红”：消费金融发力场景深耕

Group 1 - The consumer market experienced a strong start to the new year, with 142 million domestic trips and total spending of 84.789 billion yuan during the three-day New Year holiday [1] - Consumer finance institutions are shifting their strategies from blind growth to refined scenario management, aiming to balance benefits for consumers and customer acquisition [1] Group 2 - Financial institutions are implementing various discount measures to stimulate consumer demand, with Ningyin Consumer Finance issuing over 50,000 electronic discount coupons covering more than 150,000 consumers by the end of December 2025 [2] - Zhongyuan Consumer Finance upgraded its "28 days interest-free borrowing" benefit during the New Year, providing interest-free periods for 1.52 million people and reducing interest fees by 15.5 million yuan [2] - Zhongyuan Consumer Finance has served 3.46 million people and provided over 52.46 million yuan in benefits through measures like interest rate reductions and consumer subsidies by the end of December 2025 [2] Group 3 - Mashang Consumer Finance has provided benefits to over 12 million users through various types of coupons since 2025, focusing on precision and collaboration in its promotional strategies [3] - The company organized over 30 live broadcasts on rural revitalization and consumption promotion themes in 2025, achieving over 110 million transactions in goods and services [3] Group 4 - The consumer finance market's promotional strategies for the New Year are increasingly focused on specific consumption scenarios rather than cash incentives [4] - Several licensed consumer finance institutions are intensifying their focus on key areas such as home appliances, education, and healthcare, with Inner Mongolia Mengshang Consumer Finance issuing over 100 billion yuan in consumer loans and serving over 9 million customers [4] - Zhongyuan Consumer Finance reported a cumulative loan amount exceeding 510 billion yuan and a customer base surpassing 28 million by the end of December 2025, with 67% of loans concentrated in key consumption areas [4] Group 5 - The recovery of consumer spending during the New Year has raised expectations for consumer finance institutions, emphasizing the need for responsible lending practices [5] - Financial support for consumption should not lead to excessive credit, and institutions are encouraged to embed services in real scenarios while maintaining transparency in pricing [5]