蒙商消费金融：我们充分发挥自身专业优势，坚持以客户需求为导向，持续加大家用电器、教育、 生活消费、装修、手机数码、旅游、婚庆、租房、家具、健康医疗等领域投放力度。截至目前，已累计 发放消费贷款超1000亿元，服务客户超900万人。 自2010年国内首批4家试点消费金融公司成立至今，目前，国内持牌的消费金融公司已达31家。今 年是"十四五"规划收官之年，消费金融行业经历了深度变革与质效升级的双重考验。《提振消费专项行 动方案》《关于金融支持提振和扩大消费的指导意见》等一系列政策措施接连落地，对消费金融行业产 生了深刻影响。 2025年，"提振消费""合规发展""科技赋能"和金融"五篇大文章"成了贯穿全年的关键词，消费金融 行业以合规为底线、以科技为引擎，在转型中坚守初心，于变局中开创新局。 关键词一：提振消费 今年落地实施的多项消费提振政策为2025年乃至未来较长一个时期消费金融行业的发展提供了清晰 指引。如何贯彻落实有关政策要求、适应监管变化，将政策红利转化为消费潜力，成为消费金融公司面 对的重要课题。 《金融时报》记者：消费金融公司在提振消费时重点聚焦在哪些领域？推出了哪些针对性措施？ 中邮消费金融：我们积 ...

尤为值得关注的是，陈磊团队在追求合规的同时，并未陷入"因循守旧"的误区，而是积极探索合规框架下的价值创造。他们深知，合规与发展并非对立关 系，而是相辅相成的有机整体。通过深入研究监管政策的导向性，团队能够从中发掘合规前提下的业务机遇，为客户提供更具创新性且风险可控的金融服 务。这种在合规红线内"戴着镣铐跳舞"的能力，既坚守了风险底线，又激发了业务活力，展现了成熟金融团队对合规与发展辩证关系的深刻把握。 华龙证券陈磊专业团队的合规实践，其示范意义在于，它清晰地揭示了合规对于金融机构而言，不仅是不可逾越的底线，更是提升核心竞争力的重要途径。 在行业加速洗牌、投资者保护日益受到重视的今天，这样一支以合规为引领、以专业为支撑的团队，无疑为市场注入了信心，也为同行提供了可资借鉴的宝 贵经验。他们的努力，不仅是华龙证券自身稳健发展的保障，更在潜移默化中推动着整个行业合规文化的培育与深化，为中国资本市场的高质量发展贡献着 积极力量。这种对职业操守的坚守、对专业精神的追求，值得每一位金融从业者深思与学习。 团队的专业性更体现在对合规体系的精细化构建与动态优化上。金融监管环境日新月异，新规频出，对从业者的专业能力与学习能力提出 ...

每经北京12月19日电在12月19日拼多多召开的年度股东大会上，有投资者提及欧盟近期对Temu展开"黎 明突袭"调查的传言，拼多多联席董事长陈磊对此回应称，Temu业务快速发展，已经在全世界大部分国 家都具有不错的市场规模，3年走完拼多多国内电商10年的路，随之而来的惊讶、担忧和更严格的审视 是可以理解的。 "当前的各类检查会为进入下一个阶段的成长建立很好的基础，也会为快速变化的国际 政治和政策环境下的模式迭代探索出方向。"陈磊表示，自跨境业务开展以来，公司始终秉持长期主义 理念，在扎根中国供应链的基础上，致力于在各市场实现可持续发展，为消费者创造真实价值。随着业 务规模的扩大和各地监管环境的快速变化，公司深刻认识到，合规是底线，作为社会中的一个企业，符 合社会的需要，回归初心，不忘本，固守本分，为社会做贡献是电商平台的根本责任。 （文章来源：每日经济新闻） ...

根据中国银行业协会发布的报告，2024年，消费金融公司累计为8543万人次的县域客户提供了金融服 务。当消费金融的服务触角延伸至县域乡村的千家万户，数千万人次的县域客户通过这类服务获得金融 支持，消费金融行业更应思考，在追求业务增长的同时如何合规发展，守住"金融为民"的初心？ 把好第三方准入与管控关 "合规环境趋严，合规事项已深入贯穿业务全流程。消费金融公司既需要关注风控、贷后等重点合规领 域，也需要对征信类、数据安全类、同业合作类新型合规保持重点关注，从源头健全合规机制。"素喜 智研高级研究员苏筱芮表示。 筑牢"金融为民"底线 据业内人士介绍，第三方管理的漏洞往往会传导至消费者权益保护的环节。贷款调查走过场，就可能出 现过度授信、冒名贷款；消保机制不健全，借款人的知情权、公平交易权就容易打折扣。这些问题不仅 损害群众利益，更会影响行业的整体发展。 "十五五"规划建议提出"大力提振消费"，特别强调"强化消费者权益保护"。从监管导向来看，消费者权 益保护已变为"硬约束"。2024年底发布的《消费金融公司监管评级办法》新增"消费者权益保护"评级要 素，将消保工作成效与机构监管评级挂钩。 当下，打开任意一家持牌消费 ...

把稳文化建设方向盘 党的二十届四中全会就推进国家治理体系和治理能力现代化作出战略部署,为经济社会高质量发展提供 了坚实制度保障。"十五五"规划建议同时指出，优化金融机构体系，推动各类金融机构专注主业、完善 治理、错位发展。在此背景下，华源证券近年来实现了监管评级持续提升、客户资产规模突破与业务格 局重塑的跨越式发展。 华源证券党委书记、董事长梅林日前在接受中国证券报记者专访时，深入阐释了公司如何以"源"文化为 核心，将党建铸魂、合规筑基、专注主业、金融为民的文化软实力，切实转化为服务实体经济、推动区 域发展的硬支撑，走出了一条独具华源特色的文化建设引领高质量发展之路。 ● 本报记者 徐昭 刘英杰 梅林认为，企业文化要想转化为实实在在的生产力，关键在于将文化内核深度融入主业发展，激活业务 动能。"我们以'专业立本、科技赋能、价值共生'为文化内核，目标是成为广受认可、具有核心竞争力 与品牌影响力的数字化金融科技证券公司。"他说。 梅林向记者详细介绍了华源证券服务区域产业升级的实践。公司紧扣武汉"建设全国科技金融中心"目 标，深耕光谷科创走廊，创新打造"股+债+财富管理"一体化服务模式。他列举了近期成果：2025年 ...

据悉，广东外贸进出口规模已连续39年居全国首位。"十四五"时期，广东有进出口实绩的民营企业数量从7.7万家增长至12.3万家，增长60.7%，广东民营企 业进出口占比从55.1%提高到63.6%。 亮眼数据背后，法治是最硬的底气。今年5月出台的《中华人民共和国民营经济促进法》提出，支持、引导民营经济组织拓展国际交流合作，在海外依法合 规开展投资经营等活动。 任凭国际风云变幻，唯有以法为舟。以民营经济促进法实施为契机，开放大省广东敢于作为、勇于求变，在"世界工厂"向"链动全球"的转身中，书写民 企"新航海时代"的方法论。 搭平台：从"单兵作战"到"系统赋能" 当出海迈入"深水区"，靠一己之力难以抵御风浪。民营经济促进法指出，加强法律、金融、物流等海外综合服务。这一规定将政府服务企业出海从政策指引 上升为法律义务。 广东利合律师事务所党支部书记赵舶能表示，民营经济促进法为民企全球化布局注入了"法治基因"，以往企业出海常因对境外法律环境不熟悉而"踩坑"，如 今法律明确要求政府加强海外指导，这相当于为企业配了一把"安全锁"。 编者按：我国首部针对民营经济发展的基础性法律——民营经济促进法自2025年5月20日正式实施 ...

Core Insights - Baijiaying International officially announced its entry into the Asian market by establishing its Asia headquarters in Singapore, marking a significant step in its global expansion strategy [1][2] - The company emphasizes compliance and has obtained the necessary regulatory qualifications in Singapore, ensuring all business activities align with local laws [1] - Baijiaying International aims to leverage Singapore as an international hub to implement a localized strategy, integrating innovative technology with professional services to create unique interactive experiences for Asian users [2] Company Strategy - The brand is committed to building a high-quality interactive experience platform through technological empowerment and innovation [1] - Baijiaying International has established partnerships with certified venues such as Resorts World and Marina Bay Sands to ensure compliance with Singapore's regulatory standards [1] - The company has developed a robust internal control system and adopted international compliance management practices to support sustainable development [1] Future Plans - Baijiaying International plans to continue investing in technological innovation and digital upgrades to enhance user experience in the Asian market [2] - The company aims to uphold its development philosophy of "professionalism, innovation, compliance, and win-win" while collaborating with local partners to promote healthy industry growth [2]

Core Viewpoint - The banking sector's insurance sales have been plagued by compliance issues, leading to increased regulatory scrutiny and penalties, with a new management approach set to take effect in October 2025 aimed at improving compliance and consumer protection [1][2][3]. Group 1: Regulatory Environment - Regulatory bodies have issued over 50 fines for sales misconduct and more than 40 fines for personnel management violations from 2022 to the first quarter of 2025, highlighting the prevalence of misleading sales practices [2][3]. - The new "Commercial Banks Agency Sales Business Management Measures" will be implemented on October 1, 2025, mandating banks to enhance the management of sales personnel and improve internal controls [1][3]. Group 2: Common Issues in Insurance Sales - Key issues identified in bank insurance sales include misleading sales practices, unauthorized personnel selling insurance, and hidden bundling of insurance with other financial products [2][3]. - The practice of allowing non-bank personnel to sell insurance at bank branches and the lack of clear distinction between proprietary and agency products have contributed to consumer confusion [2][3]. Group 3: Proposed Solutions and Compliance Measures - The new regulations will enforce stricter controls on sales behavior, risk management, and the qualification of sales personnel, including mandatory training and recording of sales processes [3][4]. - Banks are encouraged to shift their assessment metrics from revenue-focused to a balanced approach that includes compliance and customer satisfaction [4]. Group 4: Consumer Awareness and Protection - Consumers are advised to thoroughly read contract terms, inquire about product details, and be cautious of high-yield promises, while retaining evidence of the sales process [5]. - Experts recommend that consumers utilize official channels for complaints and seek to understand the nature of the products they are purchasing to avoid falling victim to misleading sales tactics [5].

Group 1 - The financial technology industry is undergoing profound changes, shifting from rapid growth to meticulous cultivation, with talent and responsibility becoming core elements for sustainable development [1] - Shuhua Technology, established in 2015, has developed a unique path over ten years, focusing on compliance, talent cultivation, and social responsibility to build an ecological strength that benefits both the company and society [1][5] Group 2 - Shuhua Technology has placed talent strategy at the core of its development, launching a deep optimization of talent structure in 2022, with over 90% of employees holding a bachelor's degree or higher [3][4] - The company has implemented a comprehensive training system covering the entire employee lifecycle, including onboarding programs and cross-departmental knowledge training, ensuring 100% employee participation in professional training [4] Group 3 - Compliance and technology for good are fundamental to Shuhua Technology's value ecosystem, with the company actively embracing regulation and completing core compliance asset layouts [5][6] - Shuhua Technology has initiated 30 public welfare activities, contributing to over a thousand individuals, demonstrating its commitment to social responsibility and long-term value creation [6][7]

Core Viewpoint - The consumer finance industry has shown signs of recovery in 2021, with leading companies significantly increasing their revenue, profit, and total assets compared to 2020, while the gap between top-tier and mid-to-low-tier companies continues to widen [1][2]. Industry Performance - Among the 17 licensed consumer finance companies that disclosed their performance, 13 reported a net profit increase in 2021, with several companies achieving over 200% year-on-year profit growth [2]. - Leading companies such as Zhaolian Consumer Finance, Industrial Bank Consumer Finance, and Mashang Consumer Finance reported total assets of 149.698 billion, 61.79 billion, and 61.091 billion respectively, with profits of 3.063 billion, 2.23 billion, and 1.382 billion respectively [2]. - Hubei Consumer Finance experienced the fastest profit growth at 471%, while Sunshine Consumer Finance turned profitable with a net profit of 108 million after less than two years of operation [2]. Future Outlook - The overall upward trend in consumer finance is expected to continue, but the pandemic has altered consumer income and spending expectations, potentially slowing the growth rate of consumer finance demand [1][6]. - New growth opportunities are anticipated in areas such as services for new citizens, rural revitalization, and low-carbon economy initiatives [1][6]. Compliance and Risk Management - The consumer finance industry faces significant operational compliance risks, with regulatory scrutiny increasing in 2021, impacting the direction of the lending industry [4]. - Companies are focusing on compliance development, with efforts to strengthen internal controls and risk management systems [5]. Strategic Directions - Future success for licensed consumer finance institutions will depend on three main factors: technology advancements, scene expansion, and business model innovation [7]. - The industry is expected to see a shift towards integrating online and offline operations to enhance competitiveness [7].