Core Viewpoint - Henan Zhongyuan Consumer Finance Co., Ltd. released its 2024 ESG report, showcasing its achievements in corporate governance, inclusive finance, technological innovation, rural revitalization, and green finance [1] Group 1: Corporate Governance and Risk Management - The company established a modern governance system led by high-quality party building, successfully holding its first party congress and completing the election of its first committee and discipline inspection commission [2] - A comprehensive risk management system covering nine types of risks, including credit and market risks, was implemented, along with innovative smart risk control platforms [2] - The company received ISO27001 certification for information security management and was recognized as a "one-star unit" for personal information protection [2] Group 2: Inclusive Finance and Customer Service - As of December 31, 2024, the company had issued loans totaling over 398 billion yuan, with a loan balance of 39 billion yuan and serving 25 million customers [2] - The company developed an "online + offline" service model to provide small loans to new employment groups, serving 3 million new citizens and issuing loans exceeding 4.7 billion yuan [3] - Innovative repayment options, such as a "7-day no-reason repayment" policy, benefited 7.2 million users, saving over 38 million yuan in interest [3] Group 3: Rural Revitalization and Social Responsibility - The company integrated rural revitalization into its development strategy, creating a five-in-one service model that includes technology empowerment and financial services [4] - A public welfare initiative in March 2024 involved purchasing 5 tons of unsold spinach to support local communities [4] - The "Dream Bookshelf" project has established 30 locations and donated over 100,000 books to support education for underprivileged students [4] Group 4: Green Operations and Sustainability - The company achieved significant carbon reduction through digital operations, with a total reduction of 12,641.48 tons of carbon emissions [5] - Initiatives like electronic contract signing and remote meetings contributed to substantial carbon savings [5] - The company proposed the "loan cooling-off period" concept to protect consumer rights and reduce resource waste, recognized as an excellent practice in green finance [6]