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 - Zhongyuan Consumer Finance has been committed to inclusive finance for nine years, focusing on serving underrepresented customer groups and contributing to economic development [3][9]. Group 1: Company Overview - Zhongyuan Consumer Finance was established on December 29, 2016, and has since been a key player in the inclusive finance sector [1]. - As of December 2025, the company has disbursed over 510 billion yuan in loans, with a loan balance exceeding 440 billion yuan and serving over 28 million customers [3]. Group 2: Service Model - The company employs a dual approach of online and offline services to enhance its financial service network, addressing the needs of underserved areas [5]. - Utilizing big data and cloud computing, Zhongyuan Consumer Finance provides a full online loan application process, while also leveraging its parent company, Zhongyuan Bank, for offline support [5]. Group 3: Targeting New Citizens - Zhongyuan Consumer Finance has developed specialized credit models and risk assessment mechanisms for new citizens, launching products tailored to their financial needs [6]. - By December 2025, the company had a loan balance of 214 million yuan for new citizens, serving 1.2 million individuals [6]. Group 4: Promoting Consumption - The company plays a vital role in stimulating economic growth by promoting consumption through financial incentives such as subsidies and interest-free loans [8]. - As of December 2025, Zhongyuan Consumer Finance has benefited 3.46 million users with financial incentives totaling over 5.246 million yuan [8]. Group 5: Integration of Financial Services - The company has integrated its financial services into various consumer scenarios, enhancing accessibility and user experience [9]. - By December 2025, the loan balance in key consumption areas such as home renovation and entertainment reached 290 billion yuan, accounting for 67% of total loans [9].