北京商报讯（记者 岳品瑜 董晗萱）12月5日，据国家金融监督管理总局行政许可信息，天津金融监管局 核准沈建光天津京东消费金融有限公司董事的任职资格。 简历显示，沈建光现任京东集团副总裁、首席经济学家。 ...

中经记者 郑瑜 北京报道 日前，国家金融监督管理总局厦门监管局行政处罚信息公开表显示，厦门金美信消费金融有限责任公司 （以下简称"金美信消金"）因第三方合作机构管理不到位、消费者权益保护工作不到位、个人消费贷款 业务调查审查不审慎，受到行政处罚。 在消费金融领域，信用信息的规范采集、提供与查询，是保障消费者信息安全、信用权益与资金安全的 关键支撑。 本次罚款金额为120万元，对两名负责人进行警告。公开资料显示，其中一位负责人涉及市场营销部、 线上业务部条线。 对于被处罚的具体事宜，《中国经营报》记者向金美信消金方面发去采访函，截至发稿尚未收到回应。 公开资料显示，金美信消金于2018年4月27日获批筹建，9月29日获开业批复。截至2024年年底，资产总 额为55.16亿元，与上年年末相比下降12.6%，处于行业尾部位置；实现净利润2056万元，同比下降 71.4%。 金美信消金在2024年社会责任报告中曾披露，截至2024年12月末，公司累计放款482亿元，服务客户数 437万人，2024年新增放款89亿元。 值得注意的是，今年6月，金美信消金也曾因存在违法违规行为受到行政处罚。彼时原因为违反信用信 息采集、 ...

技术赋能让金融服务的适配性持续提升。依托多模态智能风控体系，海尔消金实现 "毫秒级审批响应"，新市民通过扫描海尔专卖店专属 二维码完成 OCR 认证与人脸识别后，3-5 秒即可完成商品贷款分期审批，支持在家、在店、在线三大交易场景灵活支付。这种数字化服 务能力，不仅让金融服务触达更广泛的新市民群体，更推动成交客单价提升 2.7 倍，有效牵引优质消费品供给升级。 《方案》提出到 2027 年培育 3 个万亿级消费领域的目标，其中 "推进以旧换新""扩大绿色智能供给" 等要求正通过企业实践加速落地。海 尔消金深化与地方政策的联动，将智家分期服务全面对接消费品以旧换新政策，覆盖冰箱、洗衣机、空调等补贴品类，让新市民在享受 国补的同时，叠加企业贴息优惠，双重红利持续激发消费活力。 在服务下沉方面，海尔消金依托产业城乡联动的服务网络，将金融服务延伸至县域及以下市场，打通普惠金融 "最后一公里"。这一举措 与《方案》"推动农村消费品提质升级" 的要求形成呼应，也契合行业专业人士提出的 "县域消费有望成为消费增长中长期动力" 的行业判 断。数据显示，其服务已覆盖全国多个省市的下沉市场，成为新市民从 "落脚城市" 到 "扎根 ...

Core Viewpoint - The rapid development of financial technology and the popularity of mobile internet have made mini-programs a crucial channel for financial institutions to provide online services, despite exposing significant security risks and compliance loopholes [1][2]. Group 1: Security Risks in Financial Mini-Programs - A recent inspection by the China Internet Finance Association revealed that all 55 sampled financial mini-programs exhibited varying degrees of security risks, with an average of 18.13 risk issues per program [5][6]. - High-risk issues, which threaten core financial security, were found in 18.19% of the inspected mini-programs, primarily related to "key leakage" and "application error vulnerabilities" [6]. - Medium-risk issues were highly concentrated, with 38 programs showing "unobfuscated code" risks and 30 programs having "internal domain leakage" risks [6]. Group 2: Regulatory and Compliance Issues - Some local financial organizations were found to be using mini-programs to conduct illegal financial activities, such as high-interest lending, violating national regulations on interest rate management and financial marketing [9]. - The association has requested the removal of these problematic mini-programs from the WeChat platform and will refer the cases to relevant authorities [9]. Group 3: Recommendations for Enhancing Financial Security - The China Internet Finance Association recommends that financial institutions strengthen their management responsibilities for digital channels, including mini-programs, and enhance their security governance systems [10]. - Mini-program platforms should establish comprehensive admission review, daily monitoring, and violation handling mechanisms to maintain a clear digital financial ecosystem [10]. - Financial consumers are encouraged to improve their self-protection awareness and risk identification capabilities, carefully assess their repayment abilities, and be cautious of excessive marketing and false advertising [10]. Group 4: Ongoing Self-Regulation Efforts - The association plans to enhance self-regulation of financial apps and mini-programs, conducting regular self-checks and initiating mini-program filing work to improve industry safety and compliance levels [11]. - The initiation of mini-program filing work indicates a shift towards proactive regulation, allowing for better oversight and risk prevention from the outset [11].

临近年末，消费金融行业掀起不良资产处置"冲刺潮"。12月3日，北京商报记者注意到，12月以来仅3天，已有中邮消费金融、马上消费金融、湖北消费金 融、唯品富邦消费金融、兴业消费金融公司密集在银行业信贷资产登记流转中心（以下简称"银登中心"）发布不良贷款转让相关消息，汇总来看，单月待消 金业转让的不良规模超百亿元，其中既有不到百日的逾期资产，但更多的是超3年、5年的长期逾期资产。 业内认为，今年以来，消费金融公司对外挂牌转让不良资产的规模和频率上升，既反映行业整体风险水位抬升，也体现监管引导下风险处置机制日趋成熟， 频繁出清是理性选择，但"卖得快"不代表"管得好"，下一步，消费金融机构要注意将风控向源头前移，强化贷前准入、完善贷中动态监控。 月初5家消金公司密集转不良 12月过去不到3天，已有5家消金公司发布不良资产转让信息。从挂牌数据来看，部分消金公司不良资产处置呈现规模大、逾期长的特征。 以兴业消费金融发布的2025年第31期、32期个人不良贷款为例，其拟转让不良贷款分别合计121787笔、81833笔，未偿本金总额共计98.40亿元、9.49亿元， 加权平均逾期天数长达1188天、2033天，从逾期时间来看 ...

Core Viewpoint - Xiamen Jinmeixin Consumer Finance Co., Ltd. has been fined 1.2 million yuan due to inadequate management of third-party partners, insufficient consumer rights protection, and imprudent investigation of personal consumer loan business [1][2]. Group 1: Regulatory Actions - The Xiamen Financial Supervision Administration imposed a fine of 1.2 million yuan on Jinmeixin for various compliance failures [1][2]. - This is not the first penalty for Jinmeixin in 2023; previously, it was fined 820,000 yuan for violating credit information management regulations [1][2]. Group 2: Company Background - Jinmeixin was established on April 27, 2018, with approval from the China Banking and Insurance Regulatory Commission, and began operations on September 29, 2018 [2]. - The company is jointly owned by three major shareholders: Jinyuan Jinkong (33%), Gome Holdings Group (33%), and China Trust Commercial Bank (34%) [2]. Group 3: Product Offerings - Jinmeixin offers two loan products: "Jisu Loan 2.0" with a limit of 50,000 yuan and an annual interest rate between 18% and 24%, and "Life Loan" with a maximum limit of 200,000 yuan and an annual interest rate between 4.88% and 24% [3]. - The company has recently disclosed 51 third-party partners, including 32 lead generation partners, 13 guarantee institutions, and 5 external collection agencies [3]. Group 4: Industry Trends - In 2023, a total of 11 consumer finance institutions have faced regulatory penalties, primarily focusing on three areas: management of third-party partners, consumer rights protection, and data compliance [3]. - Regulatory emphasis is placed on the prudent management of third-party partners, consumer rights protection against misleading marketing and improper collection practices, and adherence to data security and compliance regulations [3].

（国家金融监督管理总局） 近日，国家金融监督管理总局厦门监管局发布的行政处罚信息显示，厦门金美信消费金融有限责任公司因存在以下主要违法违规行为：第三方合作机构管理 不到位、消费者权益保护工作不到位、个人消费贷款业务调查审查不审慎，被罚款120万元，相关责任人员庄雅兰、周忠德被警告。 | 序 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出过 | | --- | --- | --- | --- | --- | | 특 | | | | イ | | 7 | 厦门金美信消费 | 第三方合作机构管理不到 | 对厦门金美信消费 金融有限责任公司 罚款120万元;对 | 厦门台 | | | 金融有限责任公 | 位、消费者权益保护工作 | | | | | 司及相关责任人 | 不到位、个人消费贷款业 | | 管 | | | | | 庄雅兰、周忠德警 | | | | 员 | 务调查审查不审慎 | 告。 | | ...

9月份，建信消金新任总裁宫永媛任职资格获批。公开信息显示，宫永媛于2001年7月加入建设银行，先后在总行个人银行业务部、个人金融部、个人存款与 投资部任职，2015年11月任个人存款与投资部资深副总经理；2018年6月任建信基金管理公司纪委书记、党委委员，后先后担任建信基金副总裁，兼任财务 负责人、首席信息官。 公开资料显示，建信消金已于9月完成首期个人不良贷款的批量转让，建信消金2025年第1期个人不良贷款未偿本息总额为1.28亿元，起始价为1034万元，约 为0.8折。 11月28日，北京金融监管局发布关于贺照艳建信消费金融有限责任公司（以下简称"建信消金"）副总裁任职资格的批复，核准贺照艳建信消金副总裁的任职 资格。与此同时，北京金融监管局还发布了关于窦振建信消金董事任职资格的批复。 ...

Core Viewpoint - The average contribution rate of final consumption to China's economic growth reached 56.2% over the past four years, an increase of 8.6 percentage points compared to the "13th Five-Year Plan" period, indicating a strong focus on consumption-driven growth in the "14th Five-Year Plan" [2] Group 1: Strategic Positioning and Development - The company is adopting a differentiated and market-oriented development strategy during the "14th Five-Year Plan," focusing on inclusive service, collaborative development, and innovative breakthroughs [3] - Emphasis on party leadership in financial work is seen as essential for ensuring the correct direction of financial services and maintaining systemic risk control [3] Group 2: Service to Underrepresented Groups - The company aims to provide modern consumer finance services to underserved groups such as individual businesses, self-employed individuals, and urban-rural residents, addressing issues like information asymmetry and incomplete credit records [3] - As of June 2025, the company has served over 28 million customers, primarily from demographics traditionally underserved by financial services [3] Group 3: Digital Transformation and Risk Management - The company is shifting its strategy from offline to a hybrid online-offline model to better adapt to external changes and enhance consumer service [4] - A comprehensive risk management system has been established, covering all processes and stages of lending, including risk identification, early warning, and handling [4][5] Group 4: Product and Service Strategy Adjustments - The company has implemented strategic adjustments to balance the coverage of inclusive finance and service quality, achieving a positive cycle between the two [4] - Key initiatives include the "Xingcai Plan" to alleviate financial pressure on students, deep exploration of regional characteristics to match consumer needs, and expansion of digital inclusive finance offerings [4] Group 5: Future Outlook and Goals - The company plans to strengthen digital governance and talent development while ensuring compliance in data usage, aiming for comprehensive integration of financial technology across all lending processes [6] - The focus will remain on inclusive finance, adapting to market changes, and contributing to economic growth through innovative measures and enhanced consumer protection mechanisms [6]

Core Viewpoint - The average contribution rate of final consumption to China's economic growth over the past four years has reached 56.2%, an increase of 8.6 percentage points compared to the "13th Five-Year Plan" period, indicating a strong focus on high-quality development in the consumption finance sector during the "14th Five-Year Plan" period [2]. Group 1: Strategic Positioning and Development - The company is adopting a differentiated and market-oriented development strategy, focusing on inclusive service, collaborative development, and innovative breakthroughs [3]. - The company emphasizes the importance of party leadership in financial work to ensure the correct direction of financial services and to mitigate systemic risks [3]. - The company aims to serve underrepresented customer groups, such as individual businesses and new citizens, by providing modern consumption finance services, having served over 28 million customers by June 2025 [3]. Group 2: Digital Transformation and Risk Management - The company is shifting its strategy from offline to a hybrid online-offline approach to better align with external changes and enhance consumer services [4]. - A comprehensive risk management system has been established to cover all stages of the lending process, addressing common risks such as credit and data risks [6]. - The company is leveraging advanced technologies like AI and big data to enhance its risk management capabilities, creating a data-driven decision-making model [7]. Group 3: Product Design and Service Quality - The company believes that it is possible to achieve a balance between inclusive coverage and service quality through strategic adjustments, creating a positive feedback loop [5]. - Key strategies include the "Xingcai Plan" to alleviate financial pressure on students, matching regional characteristics with consumer needs, and expanding digital inclusive finance offerings [5]. Group 4: Future Outlook and Goals - The company plans to deepen its understanding of regional economic structures and consumer characteristics to optimize customer segmentation and enhance service precision [8]. - Emphasizing technology as a core driver for high-quality development, the company will strengthen digital governance and ensure compliance in data usage [8]. - The company aims to maintain its commitment to inclusive finance while adapting to market changes and contributing to the promotion of consumption and high-quality industry development [8].