深耕普惠，中原消金九周年再谱发展新篇

Core Viewpoint - The article emphasizes the strategic importance of consumer finance in driving economic growth, highlighting the achievements and future plans of Zhongyuan Consumer Finance as it celebrates its ninth anniversary, focusing on serving new urban residents and rural revitalization efforts [1][8]. Group 1: Achievements and Financial Metrics - As of December 2025, Zhongyuan Consumer Finance has issued over 510 billion yuan in loans, with a loan balance exceeding 44 billion yuan and serving over 28 million customers [1]. - The company has provided 253.1 billion yuan in loans specifically for new urban residents, with a loan balance of 21.4 billion yuan, impacting 12 million individuals [2]. - In key consumer sectors, the loan balance reached 29 billion yuan, accounting for 67% of total loans, with home renovation, cultural tourism, and home appliances being the primary consumption areas [7]. Group 2: Service Innovations for New Urban Residents - Zhongyuan Consumer Finance has developed tailored financial products for new urban residents, addressing their unique needs and preferences through a comprehensive risk assessment mechanism [2]. - The company has launched various digital financial services, including H5 products and mini-programs on WeChat and Alipay, to integrate financial services into the daily lives of new urban residents [2][3]. Group 3: Rural Revitalization and Financial Inclusion - The company aims to bridge the "last mile" of financial services by leveraging technology to provide accessible financial solutions in rural areas, enabling residents to complete loan processes online [3]. - Zhongyuan Consumer Finance collaborates with Zhongyuan Bank to enhance offline service capabilities, establishing dedicated teams in multiple cities to support rural financial needs [3][4]. Group 4: Consumer Market Dynamics - In the first ten months of the year, Henan Province's total retail sales of consumer goods reached 2,372.316 billion yuan, reflecting a year-on-year growth of 6.0%, surpassing the national average by 1.7 percentage points [5]. - The company has implemented a "subsidy and benefit protection" model to support national strategies for expanding domestic demand, benefiting 346 million consumers and providing over 52.46 million yuan in financial incentives [6]. Group 5: Future Directions and Commitment - Zhongyuan Consumer Finance plans to continue enhancing its financial product offerings and service models to support rural industry growth and improve the livelihoods of residents [4][8]. - The company is committed to adapting to new market conditions and expanding its inclusive financial services, aiming to contribute significantly to China's modernization efforts [8].