Core Viewpoint - The average contribution rate of final consumption to China's economic growth reached 56.2% over the past four years, an increase of 8.6 percentage points compared to the "13th Five-Year Plan" period, indicating a strong focus on consumption-driven growth in the "14th Five-Year Plan" [2] Group 1: Strategic Positioning and Development - The company is adopting a differentiated and market-oriented development strategy during the "14th Five-Year Plan," focusing on inclusive service, collaborative development, and innovative breakthroughs [3] - Emphasis on party leadership in financial work is seen as essential for ensuring the correct direction of financial services and maintaining systemic risk control [3] Group 2: Service to Underrepresented Groups - The company aims to provide modern consumer finance services to underserved groups such as individual businesses, self-employed individuals, and urban-rural residents, addressing issues like information asymmetry and incomplete credit records [3] - As of June 2025, the company has served over 28 million customers, primarily from demographics traditionally underserved by financial services [3] Group 3: Digital Transformation and Risk Management - The company is shifting its strategy from offline to a hybrid online-offline model to better adapt to external changes and enhance consumer service [4] - A comprehensive risk management system has been established, covering all processes and stages of lending, including risk identification, early warning, and handling [4][5] Group 4: Product and Service Strategy Adjustments - The company has implemented strategic adjustments to balance the coverage of inclusive finance and service quality, achieving a positive cycle between the two [4] - Key initiatives include the "Xingcai Plan" to alleviate financial pressure on students, deep exploration of regional characteristics to match consumer needs, and expansion of digital inclusive finance offerings [4] Group 5: Future Outlook and Goals - The company plans to strengthen digital governance and talent development while ensuring compliance in data usage, aiming for comprehensive integration of financial technology across all lending processes [6] - The focus will remain on inclusive finance, adapting to market changes, and contributing to economic growth through innovative measures and enhanced consumer protection mechanisms [6]

Core Viewpoint - The average contribution rate of final consumption to China's economic growth over the past four years has reached 56.2%, an increase of 8.6 percentage points compared to the "13th Five-Year Plan" period, indicating a strong focus on high-quality development in the consumption finance sector during the "14th Five-Year Plan" period [2]. Group 1: Strategic Positioning and Development - The company is adopting a differentiated and market-oriented development strategy, focusing on inclusive service, collaborative development, and innovative breakthroughs [3]. - The company emphasizes the importance of party leadership in financial work to ensure the correct direction of financial services and to mitigate systemic risks [3]. - The company aims to serve underrepresented customer groups, such as individual businesses and new citizens, by providing modern consumption finance services, having served over 28 million customers by June 2025 [3]. Group 2: Digital Transformation and Risk Management - The company is shifting its strategy from offline to a hybrid online-offline approach to better align with external changes and enhance consumer services [4]. - A comprehensive risk management system has been established to cover all stages of the lending process, addressing common risks such as credit and data risks [6]. - The company is leveraging advanced technologies like AI and big data to enhance its risk management capabilities, creating a data-driven decision-making model [7]. Group 3: Product Design and Service Quality - The company believes that it is possible to achieve a balance between inclusive coverage and service quality through strategic adjustments, creating a positive feedback loop [5]. - Key strategies include the "Xingcai Plan" to alleviate financial pressure on students, matching regional characteristics with consumer needs, and expanding digital inclusive finance offerings [5]. Group 4: Future Outlook and Goals - The company plans to deepen its understanding of regional economic structures and consumer characteristics to optimize customer segmentation and enhance service precision [8]. - Emphasizing technology as a core driver for high-quality development, the company will strengthen digital governance and ensure compliance in data usage [8]. - The company aims to maintain its commitment to inclusive finance while adapting to market changes and contributing to the promotion of consumption and high-quality industry development [8].