Core Viewpoint - The company aims to enhance the financial consumer dispute resolution mechanism in collaboration with the Xiamen Financial Dispute Mediation Center, focusing on systematic and professional operations to protect consumer rights effectively [1]. Group 1: Establishing a Diversified Dispute Resolution System - The company is establishing a diversified dispute resolution mechanism based on its business practices, implementing dynamic authorization for mediation, and optimizing response and approval processes to ensure efficient dispute resolution [2]. - Mediation effectiveness will be included in the performance evaluation system for financial consumer rights protection, reinforcing consumer protection awareness among all employees [2]. - The company is utilizing multiple channels, including its website and social media, to educate consumers about the advantages and processes of the mediation mechanism, encouraging them to opt for efficient dispute resolution methods [2]. Group 2: Collaborative Efforts for Proactive Dispute Resolution - The company is committed to a proactive service philosophy, focusing on resolving disputes at their source by collaborating with the Xiamen Financial Dispute Mediation Center and other partner institutions [3]. - A multi-party collaborative dispute resolution system is being established, with tailored solutions for different types of disputes and customer needs, aimed at improving mediation efficiency and consumer satisfaction [3]. Group 3: Continuous Improvement and Consumer-Centric Approach - The company has held multiple meetings with the Xiamen Financial Dispute Mediation Center to discuss enhancing dispute resolution efficiency and optimizing customer service experiences [4]. - By systematically addressing customer demands and implementing targeted strategies, the company aims to provide customized solutions and continuously upgrade its services [4]. - The signing of the first financial dispute mediation agreement in the second half of 2025 marks a significant step in building a diversified dispute resolution mechanism [4]. - The company is dedicated to resolving financial disputes at their inception and fulfilling its social responsibility to create a healthy, stable, and harmonious financial environment [4].

数字人民币重大调整,利好金融 IT 和三方支付 [Table_Industry] 综合金融 ——金融科技行业双周报第二十期 | [姓名table_Authors] | 电话 | 邮箱 | 登记编号 | | --- | --- | --- | --- | | 刘欣琦(分析师) | 021-38676647 | liuxinqi@gtht.com | S0880515050001 | | 孙坤(分析师) | 021-38038260 | sunkun@gtht.com | S0880523030001 | 本报告导读： 数字人民币迎利好，允许数币付息和部分准备金制度落地、跨境支付政策落地，利 好金融 IT 和三方支付；部分金融科技行业持续严格监管。 投资要点： 综合金融《数币余额开始付息，供需双向促规模 增长》2026.01.03 综合金融《数币体系升级，规模有望加速增长》 2025.12.29 综合金融《大模型第一股将上市,百融云发布 RaaS 战略》2025.12.22 综合金融《投融资再平衡持续，股权融资逐步回 暖》2025.12.22 股 票 研 究 研 究 报 告 请务必阅读正文之后的免责条款部分 行 ...

Core Viewpoint - The new personal credit repair policy, effective from January 1, 2026, automatically clears overdue records for individuals with overdue debts of up to 10,000 RMB, significantly reducing the operational burden on citizens [9]. Group 1: Policy Details - The policy targets overdue information from January 1, 2020, to December 31, 2025, for single amounts not exceeding 10,000 RMB, allowing individuals to have their overdue records removed if they repay their debts by March 31, 2026 [9]. - The implementation of the policy follows an "automatic enjoyment" mechanism, meaning individuals do not need to apply or submit documentation, as the credit system will automatically process the changes [9]. Group 2: Impact on Individuals - Many individuals have reported their credit reports showing no overdue records after the policy's implementation, indicating a positive reception among the public [6][10]. - The policy aims to assist those who have small overdue records due to unforeseen circumstances, providing them with an opportunity to rebuild their credit [9]. Group 3: Implications for Financial Institutions - Longjiang Securities' research report suggests that the policy may slightly improve the quality of retail assets for banks, as it encourages overdue customers to repay their debts promptly [10]. - The removal of historical overdue records for those who have settled their debts is expected to facilitate future loan applications, as credit history significantly influences approval rates [10]. - The policy is anticipated to alleviate the pressure on retail loan overdue rates and non-performing loan ratios, which have been on the rise [10].

Core Viewpoint - The new personal credit repair policy implemented on January 1, 2026, allows individuals with overdue records of up to 10,000 RMB to have their credit reports automatically cleared if they repay their debts by March 31, 2026, significantly reducing operational costs for citizens [14][15]. Group 1: Policy Implementation - The People's Bank of China issued a notice on December 22, 2025, detailing the credit repair policy aimed at individuals with overdue records from January 1, 2020, to December 31, 2025, for amounts not exceeding 10,000 RMB [14]. - The policy operates on an "automatic recognition" mechanism, meaning individuals do not need to apply or submit documentation, which simplifies the process for citizens [14]. Group 2: Impact on Individuals - Many individuals have reported that their overdue records have been cleared, allowing them a fresh start in their credit history, which is crucial for future loan applications [12][14]. - The policy targets those who have faced temporary financial difficulties, enabling them to restore their creditworthiness without the burden of past overdue records [14]. Group 3: Implications for Financial Institutions - The policy is expected to improve the asset quality of banks by encouraging overdue customers to repay their debts, potentially leading to a slight increase in retail loan issuance [15]. - Historical overdue records, which previously hindered loan approvals, will no longer be displayed for those who repay their debts, thus enhancing their chances of securing future loans [15]. - The repair of credit records is not expected to diminish banks' risk assessment capabilities, as they utilize a comprehensive data system for evaluating personal credit [15].

"元旦早上查了一下征信确实已经没有逾期了。" 2026年1月1日，备受关注的个人一次性信用修复新政正式落地，不少网友在社交平台晒出个人征信报告截图，发现个人征信报告中的逾期记录已经自动"清 零"。 "感谢国家政策！说到做到，逾期已消除。"一位广东网友在社交平台发文感慨道，"1万以内征信逾期系统已经更新公告。政策说到做到，给了各位信贷路上 第二春，且行且珍惜，好好爱惜自己的羽毛。" 征信"翻新" 这位广东网友特意把自己在央行征信中心的个人征信报告打印出来，上面显示有3笔"其他贷款"发生逾期记录，其中2笔逾期超过90天。 发生过逾期的账户明细如下: 从未发生过逾期的账户明细如下: 第1页,共6页 报告时间:2025- 证件号F 年本型:身份证 信贷记录 这部分包含您的信用卡、贷款和其他信贷记录。金额类数据均以人民币计算,精确到元。 信息概 贷款 | | 信用卡 | 贷款 | | 其他业务 | | --- | --- | --- | --- | --- | | | | 购房 | 其他 | | | 账户数 | - | - | 36 | wa | | 未结清/未销户账户数 | | | 6 | | | 发生过逾期的账户数 ...

国家知识产权局信息显示，招联消费金融股份有限公司取得一项名为"容器化部署的方法、装置、计算 机设备和存储介质"的专利，授权公告号CN114185566B，申请日期为2021年12月。 来源：市场资讯 天眼查资料显示，招联消费金融股份有限公司，成立于2015年，位于深圳市，是一家以从事货币金融服 务为主的企业。企业注册资本1000000万人民币。通过天眼查大数据分析，招联消费金融股份有限公司 参与招投标项目221次，财产线索方面有商标信息144条，专利信息327条，此外企业还拥有行政许可80 个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

国家知识产权局信息显示，招联消费金融股份有限公司取得一项名为"样本处理方法、装置、计算机设 备和存储介质"的专利，授权公告号CN115146051B，申请日期为2022年6月。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 天眼查资料显示，招联消费金融股份有限公司，成立于2015年，位于深圳市，是一家以从事货币金融服 务为主的企业。企业注册资本1000000万人民币。通过天眼查大数据分析，招联消费金融股份有限公司 参与招投标项目221次，财产线索方面有商标信息146条，专利信息327条，此外企业还拥有行政许可80 个。 ...

国家知识产权局信息显示，招联消费金融股份有限公司取得一项名为"异常图像识别方法、装置、计算 机设备和存储介质"的专利，授权公告号CN115690672B，申请日期为2022年9月。 天眼查资料显示，招联消费金融股份有限公司，成立于2015年，位于深圳市，是一家以从事货币金融服 务为主的企业。企业注册资本1000000万人民币。通过天眼查大数据分析，招联消费金融股份有限公司 参与招投标项目221次，财产线索方面有商标信息146条，专利信息327条，此外企业还拥有行政许可80 个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 ...

国家金融监督管理总局和公安部在日前举行的新闻发布会上表示，2025年6月至11月，公安部会同金融 监管总局部署17个重点省市开展为期6个月的金融领域"黑灰产"违法犯罪集群打击。工作开展以来，共 立案查处金融领域"黑灰产"犯罪案件1500余起，涉案金额累计近300亿元，有效净化了金融市场生态。 近年来，金融领域的消费纠纷较为突出，滋生了非法贷款中介等乱象，并借助互联网快速蔓延，已形成 完整的黑灰产业链，严重侵害金融消费者合法权益，扰乱金融市场正常秩序。 素喜智研高级研究员苏筱芮表示，目前贷款领域金融"黑灰产"的操作手段和套路通常有以下3类：一是 在社交平台上以"代理维权""征信修复"等为名对债务人实施欺骗；二是不法贷款中介包装"职业背债 人"，伪造身份和流水材料实施骗贷；三是不法分子利用AI换脸、仿冒APP、虚假交易平台等技术手段 实施欺诈。 在互联网经济浪潮下，金融"黑灰产"依托平台进行市场营销和规模扩张，呈现出链条化、批量化等特 点。"经过公安系统和监管系统半年多的努力，金融领域'黑灰产'蔓延的势头虽有所收敛，但作案手段 不断翻新且愈加隐蔽。"国家金融监督管理总局稽查局局长邢桂君表示。 面对这一严峻形势，消 ...

公开资料显示，招联金融成立于2015年3月，注册于深圳前海，由招商银行与中国联通各持股50%，注 册资本100亿元，是经银保监会批准设立的持牌消费金融机构。 中国联通2024年年报披露的财务数据显示，招联金融当年业绩出现成立以来首次"三降"：营业收入 173.18亿元，同比下降11.65%；净利润30.16亿元，同比下滑16.22%；总资产1637.51亿元，同比减少 7.18%。资产质量方面，截至2024年末，公司不良贷款率为1.95%，虽较2023年的2.45%有所下降，但信 用减值损失仍高达114.24亿元，占当年营业收入的65.97%。 12月31日，国家金融监督管理总局深圳监管局发布的行政处罚信息公示表显示，招联消费金融股份有限 公司（下称"招联金融"）因合作机构管理不审慎、贷后资金用途管理不到位，被罚款50万元，相关责任 人盛莲同时被给予警告。 作为大湾区首家消费金融公司，招联金融此次并非首次因合规问题受罚。2020年10月，原银保监会消保 局就曾通报其存在营销夸大误导、合作商管控不力等四项侵害消费者权益行为；2022年2月，该公司因 营销宣传夸大误导、催收行为不当等八项违规，被处以290万元罚款 ...