Group 1 - The core viewpoint of the news is that Haier Consumer Finance has successfully issued a financial bond worth 1 billion RMB with a fixed interest rate of 2.20%, aimed at enhancing its long-term funding and supporting inclusive finance business development [1][2][3]. Group 2 - The issuance of this financial bond follows previous financing activities, including the issuance of 5.15 billion RMB in ABS and 1.5 billion RMB in financial bonds in 2024, indicating a robust and diversified financing structure [2][3]. - Haier Consumer Finance has established a diversified financing matrix that includes shareholder deposits, financial bonds, ABS, syndicate loans, and interbank borrowing, enhancing its funding channel capabilities [2][3]. - The company received an AAA rating from China Chengxin International, reflecting its strong capital strength, risk control capabilities, and sustainable development potential [2][3]. Group 3 - The issuance of a 3-year fixed-rate bond helps stabilize funding costs amidst interest rate fluctuations in the consumer finance industry, supporting the company's long-term stable development [3]. - The consumer finance sector has seen active financing in 2025, with several companies issuing financial bonds, showcasing Haier Consumer Finance's strong market recognition through innovative financing tools [3]. Group 4 - Established in 2014, Haier Consumer Finance leverages its parent company’s industrial background to create a dual-driven business model of "scenes + cash," enhancing its self-operated capabilities [4]. - The company has achieved a self-operated business ratio of 74.46% by the end of 2024, positioning itself as a leader in the industry [4]. - Haier Consumer Finance has expanded its services into various sectors such as home appliances, medical beauty, and education, providing installment services to over 3 million users through its "Smart Home Installment" program [4].