捷信消金2024年的盈利表现并不代表其核心业务恢复，而更像是重组带来的阶段性"财务修饰"。对京东而言，真正的挑战是如何激活这一资质脆弱的平 台，重塑其在消费金融领域的可持续竞争力。 觊觎消费金融牌照已久，京东终于借捷信消费金融有限公司（以下简称"捷信消金"）重组之机成功入局。时隔半年，天津京东消费金融有限公司（以下简 称"京东消金"）正式亮相，标志着京东在消费金融领域的关键一子正式落定。 近日，天津金融监管局正式批复捷信消金更名申请，公司中文名称变更为"京东消金"。5月26日京东消金回应称，更名不会影响已签署合同和协议的效 力，公司现有业务及客户服务将照常运行，确保平稳过渡。这一举措也意味着京东对捷信消金品牌整合工作基本完成。 图片来源：天津监管局 回顾京东入局历程，2024年12月20日，京东集团通过重组协议收购捷信消金65%股权，成为控股股东。仅一个多月后，2025年1月28日，国家金融监督管 理总局批准了公司股权架构调整及注册资本变更。此后，4月21日，京东高管张含春出任法定代表人和总经理，进一步强化控股方对公司经营的主导权。 随着更名落地，京东消金的独立身份正式确立，京东在消费金融领域的战略版图也进一 ...

Core Insights - The AICon Global AI Development and Application Conference highlighted the transformative impact of AI on the financial industry, emphasizing a shift from efficiency tools to value engines [1][3] - 2025 is projected to be a pivotal year for AI technology to fundamentally alter core business scenarios in finance, driven by advancements in foundational models and AI Agent technology [3][4] Financial Industry Developments - The continuous evolution of foundational models like DeepSeek and breakthroughs in AI Agent technology have enabled the financial sector to reach a critical point in its intelligent transformation [3] - Qifu Technology has developed an end-to-end risk control capability system based on rigorous innovation in core risk control modules, improving accuracy and efficiency in risk assessment [3] - The company has enhanced its data mining capabilities through multi-modal video capabilities, achieving over 95% accuracy in user feature consistency verification [3] Applications in Financial Services - The intelligent research report system for the securities industry utilizes large models to instantly analyze vast amounts of financial report data, significantly improving analyst efficiency [3] - In the insurance sector, an intelligent underwriting system employs knowledge graphs and multi-turn dialogue technology to drastically reduce the processing time for complex policies [3] - The consumer finance sector benefits from dynamic risk pricing optimization through 360-degree user profiling and cross-validation with macroeconomic data [3] Future Outlook - The integration of AI and finance is expected to lead to a significant transformation in the industry, marking the beginning of a century-long change in financial value creation [4] - The ongoing technological innovations centered around large models are anticipated to break traditional constraints and pave the way for a more efficient, precise, and creative development path in the financial sector [4]

新京报贝壳财经讯（记者黄鑫宇）在国内经营近20年后，捷信消费金融有限公司（即"捷信消金"）将正 式改名，京东距离正式拥有这张消费金融（即消金）牌照也越来越近。 近日，国家金融监督管理总局天津监管局（即天津金融监管局）正式就捷信消金更名做出批复。天津金 融监管局同意捷信消金将中文名称变更为"天津京东消费金融有限公司"（即天津京东消金）。 根据天津金融监管局的要求，更名后，天津京东消金应按照有关规定及时办理变更及许可证换领事宜。 天津金融监管局批复日期为5月15日、正式对外公示的日期为5月19日。截至5月26日，天眼查显示，本 次更名尚未完成最后的工商变更。 官网显示，京东目前金融业务主要涉及个人金融、企业金融、金融科技等板块，信贷产品包括京东白 条、京东金条、京企贷、企业主贷、京农贷等。在没有获得消金牌照之前，重庆京东盛际小额贷款有限 公司是京东金融业务板块核心放贷牌照之一。 编辑 岳彩周 校对 穆祥桐 在消金行业，捷信消金占据重要地位。作为国内首批试点且首家外商独资持牌消费金融公司，捷信消金 凭借线下网络和信贷产品能力迅速崛起，也曾一度传出拟IPO消息。然而，随着市场竞争加剧与监管趋 严，捷信消金开始陷入困境 ...

Core Insights - The Chinese consumer finance market is undergoing a reshuffle driven by internet giants accelerating their layouts, indicating a complex competitive landscape ahead [1] Group 1: JD.com - JD.com has successfully obtained a national consumer finance license by rebranding its subsidiary to Tianjin JD Consumer Finance Co., marking it as the first platform enterprise to enter the market through equity restructuring after new regulations [1][3] - Prior to obtaining the license, JD.com operated its consumer finance business through a small loan company, which has issued a total of 66 asset-backed plans amounting to 57.29 billion [2] - The consumer finance license allows JD.com to engage in diversified financing activities, significantly enhancing its lending capacity and reducing funding costs, with an expected credit scale increase of 5-8 times [3][4] Group 2: Alibaba - Alibaba adopts a full-scenario penetration strategy, having completed financial business layouts across its core platforms, including Taobao and Xianyu, creating a comprehensive consumer finance ecosystem [5][6] - The Ant Group, under Alibaba, reported impressive financial performance in 2024, with total assets exceeding 313.75 billion, a 30.9% year-on-year increase, and net profit soaring 19 times to 3.05 billion [6][7] - Despite rapid growth, Ant Group faces increasing pressure on risk management, having transferred significant amounts of non-performing loans in recent months [7] Group 3: Douyin - Douyin's consumer finance expansion is characterized by a low-profile yet effective approach, with its lending balance surpassing 300 billion in 2023, leveraging a unique "content + finance" model [8][9] - The platform's ability to integrate payment options directly into the shopping experience enhances conversion efficiency, distinguishing its strategy from that of JD.com and Alibaba [8][9] - Douyin's credit assessment model relies on non-traditional data points, making it difficult for competitors to replicate its risk control logic, indicating a shift in competitive dimensions within the industry [9]

【Fintech周报旨在整合本周最重要的金融科技行业的监管政策、行业动态。】 监管动态 七部门联合推出科技金融新政 近日，科技部会同中国人民银行、国家金融监管总局、中国证监会等七部门联合印发《加快构建科技金 融体制有力支撑高水平科技自立自强的若干政策举措》，可以说，是实现科技和金融"双向奔赴"的基础 性、引领性制度安排。《政策举措》聚焦创业投资、货币信贷、资本市场、科技保险、债券市场等7个 方面，提出了15项政策举措，既有存量政策的迭代升级，也有增量政策的创新供给。【第一财经】 金融监管总局发布《关于修改部分规章的决定》 5月20日，金融监管总局发布《关于修改部分规章的决定》，自公布之日起施行。《决定》根据公司法 有关监事会设置、关联交易管理的最新要求，对现行部分规章作出修改，保持与公司法的衔接一致。主 要修改内容包括：一是修改《信托公司管理办法》《信托公司股权管理暂行办法》中监事会设置有关规 定，明确董事会中设置由董事组成的审计委员会行使监事会职权的，可不再设置监事会。二是在《银行 保险机构关联交易管理办法》中新增规定，强化对涉及董事、监事和高级管理人员关联交易的管理，明 确相关交易应按照公司章程的规定提交 ...

近期，国家金融监督管理总局天津、上海、辽宁、重庆等地监管局集中公开了一批涉及多家消费金融公 司的高管任命、章程修改、名称更换等批复事项。 根据批复信息，上海尚诚消费金融股份有限公司副总经理、马上消费金融股份有限公司总经理助理、河 北幸福消费金融股份有限公司首席风险官均有高管履新，展现出新人新貌。 另外，重组后的捷信消费金融有限公司更名一事，也备受市场瞩目。 至此，捷信消金完成了成为"京东系"一员后重组更迭的最后一步，正式告别原有外商独资运营模式，进 一步融入京东生态，拓展场景化、多元化的电商消费分期布局，推动消费金融公司在新的市场环境下实 现转型和发展。 有市场分析认为，京东消金未来或将重点推动业务场景化和风控科技化两大战略转型，依托京东电商生 态深度融合消费场景提升信贷服务渗透率，同时依托大数据、人工智能等技术构建智能化业务和风控体 系，降低对第三方平台的依赖，缓解资产质量压力，夯实长期发展根基。 同为电商、互联网背景的消费金融公司，重庆蚂蚁消费金融有限公司（以下简称"蚂蚁消金"）近期也是 动作频频。 《金融时报》记者注意到，蚂蚁消金正寻求"轻装前行"，加快不良资产处置。 国家金融监督管理总局天津监管局日前 ...

Market Overview - US stock index futures are all down, with Dow futures down 0.33%, S&P 500 futures down 0.18%, and Nasdaq futures down 0.09% [1] - European indices are also experiencing declines, with Germany's DAX down 0.96%, UK's FTSE 100 down 0.83%, France's CAC40 down 1.08%, and the Euro Stoxx 50 down 1.10% [2] - WTI crude oil is down 1.72% at $60.51 per barrel, while Brent crude is down 1.76% at $63.77 per barrel [2] Economic and Policy Updates - The tax reform bill proposed by President Trump has passed the House of Representatives with a narrow margin (215 to 214 votes), moving to the Senate for further modifications [3] - JPMorgan CEO Jamie Dimon warns of potential stagflation risks in the US economy, suggesting that the Federal Reserve should remain cautious in its monetary policy decisions [3] - Goldman Sachs executives note that investors are currently more "emotional" compared to during the pandemic or financial crisis, influenced by political biases [4] Company-Specific News - JPMorgan reports a broad recovery in the Chinese economy, with increasing interest from foreign investors seeking diversification [5] - Analog Devices (ADI) raises its Q3 revenue forecast to $2.75 billion, driven by strong demand in the automotive and industrial sectors [6] - Snowflake (SNOW) exceeds Q1 revenue expectations with $1 billion, a 26% year-over-year increase, and raises its full-year product revenue guidance [6] - LexinFintech (LX) reports a significant increase in Q1 profits, reaching a three-year high, with revenue of 3.1 billion yuan and a 104.7% year-over-year profit growth [6] - Manchester United (MANU) faces a stock price drop after losing a crucial match, resulting in an estimated loss of $100 million in potential revenue from the Champions League [7] - Google (GOOGL) initiates AI search ad testing, aiming to enhance demand conversion efficiency through AI-integrated advertisements [8]

Core Viewpoint - The consumer finance industry is leveraging innovation and technology to enhance service quality and efficiency in supporting the real economy, with companies like Zhaolian leading the way in promoting inclusive finance through a technology-driven approach [1][2]. Group 1: Innovation and Technology in Consumer Finance - Zhaolian has established core capabilities such as IT-driven operations, product innovation, smart services, internet risk control, digital operations, intelligent collection, and data-driven consumer protection [1]. - The company has introduced a differentiated pricing mechanism that allows for flexible and precise interest rate pricing based on individual consumer credit status and risk tolerance, addressing the diverse needs of a varied customer base [3]. - Zhaolian's "self-confidence" service model empowers consumers by allowing them to provide their own financial proof for loan approvals, thus shifting some decision-making power back to the customers [4]. Group 2: Consumer Rights Protection - Zhaolian prioritizes consumer rights protection by integrating complaint rates as a core performance indicator, leading to a decrease in platform complaint rates over recent years [2]. - The company offers products like "Good Period Loan" and "Credit Payment," which provide online, no-collateral, low-interest consumer credit services, reflecting a commitment to consumer needs [2]. Group 3: Post-Loan Management and Customer Experience - Zhaolian has implemented a "self-healing" service that focuses on post-loan management, utilizing technology to understand the needs of overdue customers and offering tailored support to enhance repayment experiences [5]. - The company has deployed nearly 20,000 AI robots to improve customer interaction and response times, achieving a 97% accuracy rate in identifying customer needs [7]. - Zhaolian's use of AI technology in post-loan management aims to create a sustainable financial environment while enhancing customer experience and operational efficiency [6][7]. Group 4: Future Outlook - Zhaolian plans to continue monitoring consumer needs and optimizing business models to provide high-quality financial services, contributing to the sustainable development of the consumer finance industry [8].

前不久,智通财经政务专栏报道了一则在香格里拉市某乡镇发生"购买AI教学被骗"的案件。报警人通过 抖音、微信等不同渠道,接收到所谓的"AI教学课程"广告后,与广告商取得联系,报警人在对方的引导下,通 过对方发送的收款码,支付2-3千元的费用给对方,发现被骗后受害人向当地派出所报警。 随着AI的火热,一些应用端也开始利用AI进行创作,如制作ppt、写脚本、做视频、直播带货,吸引了不少 人的目光。然而,不法分子竟盯上了这片"热土",打着售卖"AI教学课程"的幌子实施诈骗,严重损害了群众 的财产安全。为此,马上消费金融特别为大家剖析了这类诈骗手段,守护我们的财产安全。 经警方深入调查发现,收款方为一家名为香格里拉市xx商贸行的个体工商户。可当警方前往注册地址核 实情况时,却发现该地址根本不存在这家个体工商户!进一步调查发现,注册人彭某竟冒用香格里拉市居民 的户籍信息注册了虚假营业执照实施诈骗,而彭某本人在香格里拉辖区内没有任何活动轨迹。更令人担 忧的是,类似的虚假个体工商户在该乡镇已多达4000余个,且以每天70个左右的速度疯狂增长。这种产业 化运作模式使得诈骗活动如滚雪球般不断扩大,给群众的财产安全带来了巨大的威胁 ...

近年来，随着中国经济持续转型，高质量发展要求的背后，消费金融被推至提振内需的战略高地，尤其 是今年，提振消费政策力度持续"升温"，就在央行最新发布的2025年第一季度中国货币政策执行报告 中，单独列出了《持续完善金融服务支持提振和扩大消费》专栏。 专栏文提到，持续优化消费信贷产品和服务，鼓励金融机构在风险可控、覆盖成本、用途规范的前提 下，围绕重点场景、重大战略和重点人群优化信贷产品和服务，做好消费信贷支持。 如何答好金融促消费的发展课题？金融机构正在以实际行动给出答案。 新局势下，消费金融如何助力提振"消费力"？ 2023年，随着政策鼓励和经济持续回稳，消费对我国经济的贡献度有所提升，消费金融保持增长态势。 今年3月，国家金融监督管理总局也下发了《关于发展消费金融助力提振消费的通知》，为个人消费贷 款全面"松绑"，这对消费金融市场来说是重大利好，平安证券研报认为，政策合力背景下居民消费意愿 的恢复值得期待。 在政策与市场的双向奔赴下，消费金融全面回温，各个地方发布的数据喜报连连。四川金融监管局数据 显示，四川着力促进全方位扩内需，引导银行保险机构积极发展消费金融、丰富金融产品、便利金融服 务，截至3月末，四 ...