消费金融高管层面的频繁变动引人注目。9月10日，北京商报记者注意到，今年以来，随着监管政策持 续细化、市场竞争愈发激烈以及消费需求场景的不断迭代，消费金融领域也在持续着一场覆盖20家机构 的"人事风云"。这场变动不仅涉及董事长、总经理等核心管理岗位，也涉及到首席风险官、首席信息 官、董事等关键决策角色，业内认为，机构新鲜血液的引入，有望获得更丰富的资源，也有利于不断夯 实组织实力、强化业务拓展。 年内20家现人事变动 9月10日，北京商报记者据国家金融监督管理总局官网不完全统计，2025年以来，已有锦程消费金融、 京东消费金融、招联消费金融、尚诚消费金融、中银消费金融、湖北消费金融、中原消费金融、苏银凯 基消费金融、宁银消费金融、蒙商消费金融、阳光消费金融、小米消费金融、马上消费金融、幸福消费 金融、海尔消费金融、长银五八消费金融、平安消费金融、建信消费金融、金美信消费金融、北银消费 金融，共20家消费金融公司迎来关键岗位的人事调整，涉及董事长、总经理、副总经理、首席风险官、 首席信息官、董事等核心职位。 最近的一次人事调整来自锦程消费金融和京东消费金融。9月8日，国家金融监督管理总局天津监管局信 息显示，李 ...

Group 1 - The core viewpoint of the article highlights a shift in the consumer loan market as banks raise annual interest rates to no less than 3%, marking an end to the prolonged price war and a return to rationality in the market [1] - As of the end of 2024, the balance of personal consumer loans in China, excluding housing loans, is projected to reach 21 trillion yuan, supported by policy incentives [1] - The "old-for-new" consumption market is expected to generate an incremental value of 1.3 trillion yuan, with over 6.8 million vehicle upgrades and more than 56 million home appliance upgrades anticipated in 2024 [1] Group 2 - The article emphasizes the importance of integrating financial tools with consumer scenarios to effectively stimulate and convert consumer demand, shifting the focus of bank competition towards scenario penetration and experience enhancement [2] - Collaboration between banks and real estate or home decoration brands is highlighted, where loans are embedded in the selection and renovation processes, creating a closed loop of "finance + livelihood" [2] - The use of advanced technologies like artificial intelligence is identified as a crucial driver for transformation, enabling banks to create user profiles, identify risks, and dynamically adjust interest rates while monitoring fund flows to prevent arbitrage [2] Group 3 - The ultimate goal of consumer finance is to benefit the public, with a focus on transitioning from extensive expansion to refined operations and from price competition to value competition as key future challenges for commercial banks [2]