（来源：邯郸日报） 转自：邯郸日报 本报讯（申雨）近年来，成安县农村信用合作联社积极响应上级关于加强新市民服务的政策号召，持续 创新服务模式、精耕服务细节，从产品供给、流程优化到情感关怀，构建全方位、多层次的金融服务体 系。 量身定制金融产品，破解资金难题。在金融产品设计上，成安联社注重"量身定制"方式，精准对接新市 民在安居、创业、消费等关键领域的资金痛点，推出一系列差异化信贷产品。针对新市民购房置业需 求，打造"安家贷"，以优惠利率、灵活还款方式减轻群众购房压力；面向创业群体，设立"创业启动 金"，为初创项目提供低成本资金支持，助力实现创业梦想；围绕教育、医疗等民生消费场景，推出"教 育分期"等产品，缓解阶段性资金周转压力。同时，该联社持续简化申请流程，压缩审批时限，通过线 上线下融合办理模式，大幅降低融资门槛，让金融服务更亲民、更易获取，切实解决新市民"融资难、 融资慢"的问题。 优化服务流程，打造一站式体验。为提升服务便捷度，成安联社以社保卡服务为切入点，持续升级服务 流程，打造高效便捷的政务金融融合服务场景。通过增设即时制卡网点、在社区及商圈布放智能终端、 开通线上换领通道等举措，将社保卡办理、换领 ...

技术赋能让金融服务的适配性持续提升。依托多模态智能风控体系，海尔消金实现 "毫秒级审批响应"，新市民通过扫描海尔专卖店专属 二维码完成 OCR 认证与人脸识别后，3-5 秒即可完成商品贷款分期审批，支持在家、在店、在线三大交易场景灵活支付。这种数字化服 务能力，不仅让金融服务触达更广泛的新市民群体，更推动成交客单价提升 2.7 倍，有效牵引优质消费品供给升级。 《方案》提出到 2027 年培育 3 个万亿级消费领域的目标，其中 "推进以旧换新""扩大绿色智能供给" 等要求正通过企业实践加速落地。海 尔消金深化与地方政策的联动，将智家分期服务全面对接消费品以旧换新政策，覆盖冰箱、洗衣机、空调等补贴品类，让新市民在享受 国补的同时，叠加企业贴息优惠，双重红利持续激发消费活力。 在服务下沉方面，海尔消金依托产业城乡联动的服务网络，将金融服务延伸至县域及以下市场，打通普惠金融 "最后一公里"。这一举措 与《方案》"推动农村消费品提质升级" 的要求形成呼应，也契合行业专业人士提出的 "县域消费有望成为消费增长中长期动力" 的行业判 断。数据显示，其服务已覆盖全国多个省市的下沉市场，成为新市民从 "落脚城市" 到 "扎根 ...

Core Insights - Agricultural Bank is transforming its branches into community support hubs, providing services beyond traditional banking, such as rest areas for delivery riders and social spaces for the elderly [1][2][3] Group 1: Services for New Citizens - Agricultural Bank has established dedicated rest areas in branches for delivery riders, equipped with amenities like water dispensers, microwaves, and phone chargers, enhancing their service experience [2] - The bank has conducted over 7,800 public service activities this year to support outdoor workers like delivery riders and sanitation workers [2] Group 2: Services for the Elderly - The "Golden Age Home" initiative in Xiamen offers a multifunctional space for elderly clients, combining financial services with health management and social interaction [3][6] - Agricultural Bank has implemented accessibility improvements in over 3,000 branches to better serve elderly customers, including features like ramps and medical equipment [6] Group 3: Support for Rural Revitalization - Agricultural Bank has opened a new branch in the remote Beiji Village, enhancing financial service accessibility for local residents and tourists [7] - The bank is deploying mobile financial service teams to rural areas, facilitating social security card services and other banking needs directly in villages [9][11]

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].