据新华财经梳理，2024年消费金融行业金融债发行已呈现爆发式增长，总规模达到524亿元，全年共有11家持牌消费金融公司参与发行，其中，招联消金、 兴业消金、中银消金合计发行299亿元，占总规模的57%，头部效应显著。 新华财经北京8月5日电（王菁）利率下行与政策支持双重催化下，持牌消金公司正集体涌向债券市场，一场由资金成本主导的行业突围悄然开启。其中，金 融债成为消金公司优化融资结构的"关键拼图"。 8月4日，重庆蚂蚁消费金融有限公司（简称"蚂蚁消金"）启动簿记建档，发行其成立以来的首笔金融债券，规模20亿元，期限3年。随着这笔债券的落地， 2025年消费金融行业金融债发行总额突破160亿元，包含8家消金公司的13只个券。 业内人士认为，消费金融公司接连发行金融债，既是为满足监管要求的资本补充需求，也是为拓展业务规模、提升服务实体经济能力储备资金。随着后续更 多机构加入发债行列，消费金融行业资金实力有望进一步增强，为消费信贷市场的平稳发展提供有力支撑。 政策利好叠加成本优势消金公司金融债发行热情不减 政策环境的持续优化是近年来消金公司"发债潮"的重要推手。 2023年8月，随着"管理层拟出台政策支持消费金融公 ...

Core Viewpoint - Ningyin Consumer Finance plans to issue 1 billion yuan in financial bonds, marking the second issuance this year, as part of a broader trend in the consumer finance industry to raise funds through bond issuance [1][3][5]. Company Summary - Ningyin Consumer Finance Co., Ltd. is set to issue 1 billion yuan in financial bonds, with a one-year fixed interest rate to be determined through a book-building process [3]. - The company previously issued 1 billion yuan in financial bonds in April 2023, with a low interest rate of 1.79% [3]. - The funds raised will primarily be used to supplement the company's liquidity and for other purposes permitted by regulatory authorities [3]. - As of the end of 2024, Ningyin Consumer Finance reported total assets of 59.815 billion yuan, a 31.92% increase from the end of 2023, and total loans and advances of 58.117 billion yuan, a 39.46% increase year-on-year [4]. Industry Summary - The consumer finance industry is experiencing a "bond issuance boom," with seven financial institutions collectively raising 13.1 billion yuan through 11 bond issuances this year [5][6]. - Recent regulatory changes have facilitated bond issuance for consumer finance companies, including the simplification of approval processes and the introduction of a post-reporting system for non-capital bond issuance [7]. - The issuance of bonds allows consumer finance companies to secure medium- to long-term funding, optimize their asset-liability structure, and support business expansion [7].

Group 1 - The People's Bank of China imposed a fine of 250,000 yuan on Haier Consumer Finance for violating credit information collection and management regulations [1] - Haier Consumer Finance issued its first financial bond of 1 billion yuan for 2025, with a term of 3 years and an interest rate of 2.2% [1] - The funds raised from the bond issuance will be used to supplement the company's medium to long-term funding and optimize its asset-liability structure [1] Group 2 - Haier Consumer Finance issued 1.5 billion yuan in Asset-Backed Securities (ABS) in 2023, with the second phase having a record low interest rate of 1.80% [2] - The company has expanded its offline installment business in education, medical beauty, and home living sectors, with a sales personnel count of 28 and an average productivity of 122 million yuan per person by the end of 2024 [2] - Compared to 2023, the company experienced significant growth in offline business productivity, with personnel count increasing from 25 to 28 and average productivity rising from 81.96 million yuan to 122 million yuan [2]