"《关于金融支持提振和扩大消费的指导意见》（以下简称《意见》）形成了系统性金融支持消费 的政策框架。《意见》出台后，我们将积极响应，结合自身资源禀赋探索出多层次、差异化的扩内需促 消费实践路径。"哈银消金代理董事长、总裁谢云立表示。 "消费金融机构的功能性定位非常明确，即为零售端金融消费者提供用于消费的信贷服务。"马上消 费金融副总经理孙磊说。 据《金融时报》记者了解，消费金融公司聚焦传统业务升级、科技赋能创新两大方向，形成覆盖城 乡居民全生命周期消费需求的金融服务网络。 例如，招联旗下拥有"好期贷""信用付"两大消费金融产品体系，现已全面覆盖购物、旅游、教育、 装修等众多消费场景。哈银消金自主研发"星斗智能风控体系"，实现了智能实时信贷审批，通过线上线 下全方位风险识别，极大压降了客户违约风险比例。 作为消费领域金融供给方之一，支持提振和扩大消费，消费金融公司责任重大。接受《金融时报》 记者采访的消费金融公司表示，消费金融公司是连接金融资源与消费需求的桥梁，将继续积极探索实 践，不断提升专业化服务能力，扩大消费领域金融供给。 政策支持带来新机 南银法巴消费金融加强客群研究，精准识别不同消费场景下的客户需求， ...

Core Viewpoint - The joint guidance from six departments, including the People's Bank of China, aims to enhance consumer finance companies' capabilities in customer acquisition and risk control while rationalizing loan interest rates [1] Group 1: Consumer Finance Companies - The guidance encourages consumer finance companies to improve their independent customer acquisition and risk management abilities [1] - It emphasizes the need for a reasonable determination of comprehensive loan interest rates [1] Group 2: Automotive Finance - The document highlights the role of automotive finance companies in providing specialized services and expanding the range of consumer credit products for vehicle purchases [1] - It calls for effective credit support to automotive dealers [1] Group 3: Small Loan Companies - The guidance aims to regulate the development of small loan companies, focusing on serving small and micro enterprises, individual businesses, and farmers to promote the expansion of goods and services production and consumption [1] Group 4: Collaboration Among Financial Institutions - The document encourages collaboration among commercial banks, consumer finance companies, automotive finance companies, and small loan companies to develop financial products that meet various consumer scenario needs, provided they comply with regulatory requirements [1]