Core Viewpoint - The increasing reliance of consumers on consumer finance tools highlights the importance of consumer rights protection and responsible financial services within the industry [1] Group 1: Regulatory Framework - A robust institutional framework is deemed the "first line of defense" for consumer rights protection in the consumer finance sector [1] - Recent policy updates, including the revised "Management Measures for Consumer Finance Companies," have introduced specific chapters on "Consumer Rights Protection" and "Management of Cooperative Institutions" [1] - The new "Regulatory Rating Measures for Consumer Finance Companies" assigns a weight of 15% to "Consumer Rights Protection," second only to "Risk Management" at 25% [1] Group 2: Company Initiatives - Some consumer finance companies have recognized the importance of institutional development and are taking proactive measures [2] - Harbin Consumer Finance has established a comprehensive consumer protection mechanism, achieving significant results in system construction and operational efficiency [2] - Zhongyou Consumer Finance has formed a specialized committee for consumer rights protection at the board and executive levels, integrating consumer protection principles into its corporate culture and management processes [2] Group 3: Performance Assessment - Several consumer finance companies have innovated their assessment mechanisms by incorporating consumer complaint rates and satisfaction metrics into employee performance evaluations, linking them to compensation and promotions [2] - This approach has effectively enhanced employee awareness and execution of consumer rights protection responsibilities [2] Group 4: Consumer Loan Matching - Properly matching loans to suitable customers is crucial for consumer rights protection [3] - The industry recognizes that consumer finance should not excessively target lower-income segments without boundaries, emphasizing the importance of both institutional and consumer debt limits [3] - Financial technology should be leveraged to analyze consumer needs accurately, improving the precision of credit approvals and reducing issues like "multiple loans" and excessive credit [3]