又有消金公司，发10亿金融债！

Core Viewpoint - Ningyin Consumer Finance plans to issue 1 billion yuan in financial bonds, marking the second issuance this year, as part of a broader trend in the consumer finance industry to raise funds through bond issuance [1][3][5]. Company Summary - Ningyin Consumer Finance Co., Ltd. is set to issue 1 billion yuan in financial bonds, with a one-year fixed interest rate to be determined through a book-building process [3]. - The company previously issued 1 billion yuan in financial bonds in April 2023, with a low interest rate of 1.79% [3]. - The funds raised will primarily be used to supplement the company's liquidity and for other purposes permitted by regulatory authorities [3]. - As of the end of 2024, Ningyin Consumer Finance reported total assets of 59.815 billion yuan, a 31.92% increase from the end of 2023, and total loans and advances of 58.117 billion yuan, a 39.46% increase year-on-year [4]. Industry Summary - The consumer finance industry is experiencing a "bond issuance boom," with seven financial institutions collectively raising 13.1 billion yuan through 11 bond issuances this year [5][6]. - Recent regulatory changes have facilitated bond issuance for consumer finance companies, including the simplification of approval processes and the introduction of a post-reporting system for non-capital bond issuance [7]. - The issuance of bonds allows consumer finance companies to secure medium- to long-term funding, optimize their asset-liability structure, and support business expansion [7].