重庆养鸡户钟桃通过智能监测设备管理一万多只鸡，福利院老人与情感机器人"裴裴"倾诉家常， 31.7万新市民在逸骊Job平台获得工作介绍机会 ——这些看似和金融无关的场景，已经成为马上 消费科技赋能、助力个体实现梦想的生动图景。 近日，马上消费发布《2 0 2 4年度社会责任（ESG）报告》（以下简称"报告"），用一系列硬 核数据揭开了数字金融的温度密码。 2 0 2 4年是中国ESG迈向"标准化"的重要一年，中国财政部等九部委发布了《企业可持续披露 准则——基本准则（试行）》，同时，香港联交所发布《环境、社会及管治报告守则》，对 ESG披露作出进一步要求。与此同时，中央金融工作会议指出，金融要为经济社会发展提供 高质量服务，做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文章。对于 金融机构而言，落实好中央金融工作会议精神，深入布局金融"五篇大文章"，扎实推进ESG 理念与可持续发展，是锚定建设金融强国目标，扎实推动金融高质量发展的关键路径。 马上消费董事长赵国庆在《报告》开篇辞中表示：作为一家技术驱动的数字金融机构，马上 消 费 始 终 坚 持 业 务 稳 健 经 营 与 长 期 社 会 责 任 一 ...

Core Viewpoint - Beijing's financial regulatory authority has issued a notice to strengthen the management of assistive lending businesses, signaling a crackdown on the "membership rights" model that obscures borrowing costs [1][2][5] Group 1: Regulatory Changes - The notice requires clear agreements on comprehensive financing cost ranges between platform operators and credit enhancement service providers, ensuring compliance with the Supreme Court's regulations on maximum loan costs [2][6] - The regulatory focus is on eliminating the use of "membership rights" and "value-added rights" to indirectly increase financing costs, which has been a common practice among many consumer finance companies and assistive lending platforms [2][4] Group 2: Industry Impact - The "membership rights" model has been criticized for becoming a means to hide hidden fees in online loans, leading to numerous consumer complaints regarding forced payments and lack of transparency [4][5] - The implementation of the new regulations may lead to a consolidation of the assistive lending market, with smaller institutions potentially being eliminated due to their inability to adapt to the new compliance requirements [6][7] Group 3: Future Outlook - The regulatory framework aims for complete transparency and compliance in financing costs, which may limit the operational space for assistive lending platforms that cannot meet the 24% interest rate cap [6][7] - The new regulations are seen as a starting point for balancing compliance and profitability in the assistive lending industry, rather than a turning point [7]

（原标题："养生游"变诈骗陷阱！官方提醒，银发族守好钱袋子） 近日，中国人民银行深圳市分行官方微信公众平台更新一则关于反诈防骗的提示内容，通过短视频结合图文宣传的形式，直指"银发族"常见的新 型诈骗方式。 据了解，此条内容是在人民银行深圳市分行的指导下，由招商银行深圳分行参与制作。 银发族需警惕新陷阱 中国人民银行深圳市分行官方微信公众平台信息，在最新发布的反诈防骗内容中，拆解了一个专门针对中老年人的新诈骗套路。 随着越来越多的"银发族"熟悉使用智能手机，各类眼花缭乱的"养生秘籍"层出不穷的"养老项目"，屡试不爽的"名贵药材内销渠道"，各种新型的 诈骗方式，让中老年群体极易上当受骗。 免费养生一日游？交通伙食费全免？还有"专家"讲解养生保健秘诀？......此类看似是一次"薅羊毛"旅行，却极有可能是一场套路满满的投资诈骗。 对此，该反诈宣教内容提示：请大家谨记，天上不会掉馅饼，稍不留神踩陷阱，不贪不占小便宜，守住钱袋方安心。 实际上，7月以来，"全民反诈在行动"反诈宣教活动持续推进，各类金融机构积极响应。7月上旬，中国人民银行深圳市分行就通过官方微信公众 平台发布两则涵盖"反诈防骗 安全支付"主题的宣传内容， ...

Core Viewpoint - The article emphasizes the increasing prevalence of scams targeting the elderly population in China, particularly as they become more familiar with technology and various investment schemes [3][8]. Group 1: Scam Awareness - The People's Bank of China, Shenzhen Branch, has released information highlighting new scams specifically aimed at the elderly, who are often lured by seemingly attractive offers such as free health tours and expert talks on wellness [3][7]. - The article warns that these offers may disguise investment scams, urging the elderly to be cautious and avoid falling for such traps [3][8]. Group 2: Ongoing Anti-Fraud Campaigns - Since July, a nationwide anti-fraud campaign has been actively promoted, with various financial institutions participating in educational efforts to raise awareness about fraud prevention [7][8]. - The campaign includes the use of diverse media formats, such as short videos and social media, to disseminate financial knowledge and alert the public to potential scams [8][9]. Group 3: Technological Advancements in Fraud Prevention - Financial institutions are increasingly adopting advanced technologies like artificial intelligence and big data to enhance their fraud prevention measures, creating a new paradigm of "intelligent prevention and ecological governance" [8][10]. - The article notes that the complexity of fraud techniques has escalated, necessitating more sophisticated risk identification and analysis capabilities [10][11]. Group 4: Collaborative Efforts in Fraud Prevention - The article discusses the shift in financial institutions from reactive measures to proactive prevention strategies, highlighting the importance of collaboration between banks and law enforcement to quickly respond to fraud cases [9][12]. - There is a growing emphasis on establishing information-sharing mechanisms within the industry to create a more effective anti-fraud ecosystem [12].

Economic Performance - Binhai New Area's GDP grew by 5.4% in the first half of the year, maintaining a steady growth trend [1] - Fixed asset investment increased by 9.6%, contributing 73% to the city's growth [1] - General public budget revenue rose by 5.8%, surpassing national and city averages [1] Industrial Development - Binhai New Area focuses on strategic emerging industries such as aerospace, biomedicine, and integrated circuits, driving innovation and forming industry clusters [2][3] - Major projects include investments in JD Consumer Finance and battery recycling, with new retail projects like JD MALL becoming operational [2] Financial Integration - The area promotes financial integration with industry, enhancing support for real economy through green and technology finance [3][6] - A significant investment platform was established with a total investment of 55 billion yuan to enhance effective investment [5] Policy Support - The implementation of 22 specific measures to stabilize foreign trade and investment, including the removal of restrictions on foreign investment in manufacturing [7] - Continuous policy support is driving effective investment and project establishment in Binhai New Area [7] Future Outlook - Binhai New Area aims to strengthen key industries and promote project implementation to sustain economic growth [8] - The area is committed to preventing financial risks while achieving new results in high-quality development [8]

在金融消保实践中，基于自研的"招联智鹿"大模型成果，招联率先探索大模型在消保全流程的深度应 用，创新打造了招联智鹿大模型消保智能体，汲取中医"治未病"理念，建立起"未病先防、欲病早治、 已病综治"的三层递进式消保防线，以针对性、立体化的解决方案，努力从源头闭环解决客户投诉隐 患，在不断追求产品服务极致体验的同时，切实提升消保工作质效。截止目前，招联客户投诉48小时首 联率为99.04%，5个工作日办结率为98.73%，客户满意度达98%，获得市场与监管的认可。 另一方面，招联积极开展消保宣教，把增强消费者金融知识、风险意识、信用意识纳入消保工作的重要 内容。基于AI技术，招联辅助制作了大量视频、漫画、海报等宣教素材，并在多个线上渠道传播，助 力消保宣传常态化。结合315消费者权益日、614信用记录关爱日、防范非法集资宣传月等时点，招联持 续开展专项主题教育，触达消费者近3亿人，并连续三年获得深圳市居民金融素养提升工程表彰。 近日，中国人民银行主管的《中国金融》杂志发布第七届金融业年度优秀品牌案例评选结果。凭借前瞻 的声誉风险管理理念和扎实的全流程精细化管理，招联消费金融股份有限公司（以下简称"招联"）申报 的 ...

Group 1 - Bairong Cloud-W (06608) saw an afternoon increase of over 11%, currently up 10.16% at HKD 9.65, with a trading volume of HKD 48.08 million [1] - Bairong Cloud won the "AI Model Innovation Application Award" at the 2025 Innovation Development Forum, marking its second consecutive year receiving this award [1] - According to Guotai Junan Securities, AI is gradually being implemented in various sectors such as securities research, bank credit, marketing channels, insurance agent empowerment, small business marketing, and consumer finance risk control, indicating a broad future potential [1] Group 2 - The report highlights a positive outlook for the consumer finance industry, particularly in intelligent customer service, smart marketing, and intelligent risk control scenarios [1] - Bairong Cloud is recommended as a key player in the rapidly developing consumer finance sector [1]

Core Viewpoint - The implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies aims to alleviate credit burdens for residents with genuine consumption needs and to support service-oriented consumption, thereby stimulating market activity and economic growth [1][2][3]. Group 1: Policy Implementation - The State Council's meeting emphasized the importance of fiscal and financial collaboration to boost consumption and activate the market by focusing on both personal consumption and service industry loan demands [1][2]. - The policies are seen as a form of "national subsidy" in the financial sector, aimed at reducing credit costs for residents and financing costs for service industry entities, thus enhancing consumption potential and market vitality [2][3]. Group 2: Financial Institutions' Role - Financial institutions are encouraged to design matching interest-subsidized loan products and ensure compliance in fund usage, with a focus on specific consumption scenarios [4][5]. - Institutions should actively identify financing needs among small and medium-sized enterprises in sectors like catering, housekeeping, and childcare, especially those affected by the pandemic or planning expansion [5]. Group 3: Consumer Financing Products - Financial institutions have accelerated the launch of consumer financing products tailored to consumption upgrades, such as "Consumption Upgrade Loan" and "Green Consumption Loan" [6]. - A roadmap for financial support to boost consumption has been outlined, combining credit support, scenario discounts, and green incentives to lower consumer costs and enhance willingness to spend [6].

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]

Core Insights - The People's Bank of China and five other departments issued guidelines to boost consumption, proposing 19 key measures to encourage financial institutions to support consumption through various innovative financing methods [1] Group 1: Financial Support Initiatives - Haier Consumer Finance launched the "Smart Home Installment" product, offering 0 down payment, 0 interest, and 0 fees for home appliance financing, aligning with national policies to promote consumption [1] - The product integrates advanced technology into the installment process, enabling rapid approval and enhancing customer experience through a seamless application process [1][12] Group 2: Sales Performance - In Shanxi, the "Smart Home Installment" program significantly boosted appliance sales, with a single event achieving sales of over 2 million yuan, where installment transactions accounted for 38% [3] - Another event in Shanxi recorded sales of 2.36 million yuan, with installment transactions making up 35% and a 90% increase in average transaction value for installment purchases [5] Group 3: Customer Experience - Customers reported positive experiences with the "Smart Home Installment," such as a couple who, after learning about the financing options, quickly purchased a full set of appliances without any interest costs [7] - In Guizhou, 139 families utilized the installment service, with an average transaction value of 14,100 yuan per customer [8] Group 4: Product Integration and Expansion - The "Smart Home Installment" has been integrated with UnionPay's upgraded services, allowing for a seamless process from subsidy application to interest-free installment and appliance delivery [12] - The program has rapidly expanded to over 1,800 Haier stores nationwide, providing nearly 100 million yuan in interest-free loans [12]