作为今年《政府工作报告》提出的十大任务之一，"大力提振消费、提高投资效益，全方位扩大国 内需求"是稳定经济大盘、增强发展内生动力的关键。 消费金融是拉动内需、促进消费的重要金融手段，也为消费者搭建起连接当下需求与未来规划的桥 梁，通过激活小额信贷需求，让个体消费选择更具灵活性与可能性。 随着消费理念、消费偏好、消费结构、消费场景的持续变化，消费金融的服务模式、产品形态、获 客渠道、风控体系不断创新，呈现出明显的线上化、智能化、场景化、普惠化、精细化趋势。从嵌入 3C数码、家电美妆、家装出行等高频生活场景的消费分期，到覆盖教育深造、职业发展、健康医疗、 文旅休闲的个性化服务，创新触角正沿着消费者的需求脉络向更细分领域延伸。 推陈出新是消费金融机构适应市场变化、提升金融产品质效的关键路径，既需要以技术创新打破业 务壁垒，也需要通过模式迭代拓宽服务边界。 今年上半年，哈银消金依托自主研发的"星斗"智能风控系统，创新推出"小福云贷"业务模式。据 悉，该模式构建了"流量分发+资金匹配+风险共管"的闭环体系，通过智能路由技术，将优质客户精准 分流至合作机构，确保融资需求应贷尽贷。 据哈银消金相关负责人介绍，哈银消金已经与 ...

Core Insights - Qudian Inc. (QD) opened with a 2.68% increase, reaching $3.83 per share, with a total market capitalization of $632 million as of July 31 [1] - Financial data indicates that as of March 31, 2025, Qudian's total revenue was 25.789 million RMB, a decrease of 53.82% year-over-year, while net profit attributable to shareholders was 150 million RMB, reflecting a significant increase of 303.92% year-over-year [1] Financial Performance - Total revenue for Qudian as of March 31, 2025, was 25.789 million RMB, down 53.82% compared to the previous year [1] - Net profit attributable to shareholders reached 150 million RMB, showing a year-over-year growth of 303.92% [1] Upcoming Events - Qudian is scheduled to release its mid-year report for the fiscal year 2025 on September 5, with the actual disclosure date subject to company announcements [2] - The company is focused on consumer-oriented technology solutions and is exploring innovative consumer products and services to meet the basic needs of Chinese consumers [2]

资料显示，趣店公司(NYSE:QD)是一家以消费者为导向的中国科技公司。公司曾专注于为消费者提供借 贷解决方案。目前趣店正致力于探索创新的消费产品和服务,利用公司积累的技术优势,满足中国消费者 的日常生活的基本需求。 本文源自：金融界 作者：行情君 7月30日，趣店(QD)盘中上涨2.07%，截至21:36，报3.552美元/股，成交6.5万美元，总市值5.87亿美元。 财务数据显示，截至2025年03月31日，趣店收入总额2578.9万人民币，同比减少53.82%；归母净利润 1.5亿人民币，同比增长303.92%。 大事提醒： 9月5日，趣店将披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时间，实际披 露日期以公司公告为准）。 ...

中国人民银行漳州市分行积极响应国家战略，不断下沉金融服务重心，从供需两端优化创新消费金融产 品及服务，精准激活漳州消费市场的"一池春水"。截至2025年4月末，全市金融机构累计发放消费贷款 余额达1742.05亿元，其中，汽车贷款余额同比增长61.96%，其他贷款余额同比增长12.92%。 服务下沉润民生 夯实消费基本盘 "好不容易挣钱买了房子，装修的钱却怎么也凑不够，多亏长泰农信社为我提供了30万元的装修资金， 才让我在这能安家！"漳州市长泰区新市民李先生激动地说道。 近年来，中国人民银行漳州市分行围绕"吃住行游购娱"全链条消费场景精准发力，重点聚焦家电换新、 汽车下乡等民生热点，联合发改、商务等部门及全市银行业金融机构，梳理整合《漳州市金融支持消费 品以旧换新产品汇编》。汇编内容涵盖各部门出台的家电、家装厨卫、汽车、电动自行车等以旧换新政 策以及16家金融机构推出的24款消费金融特色产品，供广大市民参阅，扩大政策知晓率。此外，中国人 民银行漳州市分行加大窗口指导力度，指导金融机构运用"利率优惠+随借随还+无还本续贷"消费贷款 组合拳释放消费潜能；针对不同类型消费者，创新优化"金融助理员+网格化"服务模式， ...

Core Viewpoint - The article emphasizes the critical role of consumption in driving economic growth and the importance of financial support in enhancing consumer demand in China [1][2]. Group 1: Importance of Consumption - Consumption is both the ultimate goal of production and a lasting driver of economic growth, especially in the context of China's evolving economic conditions and international environment [1]. - The Chinese government has recognized the need to implement strategies to expand domestic demand, particularly consumption, to facilitate a virtuous cycle of social reproduction [1]. Group 2: Role of Finance in Consumption - Finance plays a pivotal role in expanding consumption and promoting growth by releasing consumer potential, enhancing willingness and ability to consume, and improving the matching of supply and demand [2]. - The development of inclusive finance can optimize resource allocation and stabilize consumer confidence, which is crucial for boosting consumption [2]. Group 3: Innovations in Financial Support - China's financial system has engaged in various innovative practices to support consumption, including collaboration among banks, consumer finance companies, and internet platforms to create a diverse service system [3]. - Financial institutions are increasingly involved in creating consumption scenarios and offering specialized financial products in key sectors such as education, healthcare, and tourism [3]. Group 4: Challenges in Financial Support - Despite advancements, challenges remain, such as the concentration of consumer credit resources in housing and automobiles, insufficient financial products in education and healthcare, and the need for improved financial services for new citizens and flexible workers [3]. - The financial system must enhance its service capabilities and focus on key consumption areas to better support economic development [3]. Group 5: Recommendations for Financial Services - Recommendations include improving the consumer finance service system, integrating financial services with consumption scenarios, leveraging technology for risk control, and enhancing consumer rights protection [4]. - Financial institutions are encouraged to develop specialized services for new consumption areas and to provide personalized financial products tailored to specific consumption scenarios [4].