Group 1 - The China Consumer Association reported a total of 995,971 consumer complaints in the first half of 2025, a year-on-year increase of 27.23%, with 509,655 cases resolved, recovering economic losses of 452 million yuan [1] - Complaints related to financial services increased from 0.24% to 0.76% of total complaints, amounting to 7,564 cases in the first half of 2025 [1] - The education and training services category saw a significant rise in complaints, totaling 44,126 cases, up 43.7% from 30,712 cases in the same period last year [1] Group 2 - The rise of misleading advertisements for "high-paying part-time jobs" has led to numerous consumer disputes, with issues including vague contract terms and unreasonable refund policies [2] - Many training institutions lure consumers with false promises and induce them to take out loans, leading to significant consumer complaints regarding "training loans" [2][3] - A specific case highlighted involved a consumer who was misled into believing in a "no-interest" installment plan, only to discover hidden interest charges totaling 2,005.84 yuan [3] Group 3 - Judicial cases related to "training loans" have emerged, with courts ruling on disputes arising from misleading educational contracts and the imposition of penalties for contract breaches [4] - Regulatory bodies have previously warned consumers about the risks associated with "training loans," emphasizing the need for vigilance against false promises and hidden costs [5] Group 4 - The market for skill training loans is substantial, with various lending institutions and consumer finance companies involved [6] - Recommendations for financial regulators include standardizing the "pay after learning" model and ensuring training institutions provide clear risk disclosures before loan agreements [6] Group 5 - Consumer finance institutions are advised to exercise caution in their partnerships and ensure compliance with regulations to protect consumer rights [7] - The increase in complaints and the prevalence of "training loan" traps highlight the need for enhanced consumer protection measures and regulatory enforcement [7]

如何提振消费？有钱了，居民才愿消费、能消费、敢消费，要让老百姓的"钱袋子"鼓起来。 "《意见》首先从需求端着手，列明推动中长期资金入市、提高居民财产性收入等，增强消费信心 和能力、培育消费需求；其次从供给端发力，提出扩大消费领域金融供给，包括加大债券市场融资支持 力度、积极发展股权融资、支持符合条件的消费基础设施发行公募REITs等。"有分析人士告诉《金融时 报》记者，通过"居民财产性收入提升→消费能力增强→企业融资环境改善→供给升级→进一步刺激消 费"闭环政策设计，资本市场在促进消费中扮演的多层次"加速器"和"稳定器"角色正持续凸显。 拓宽财产性收入渠道 直接增强居民消费能力 此前，《方案》将"城乡居民增收促进行动"列在七大行动首位，明确提出拓宽财产性收入渠道及具 体措施。在前述基础上，本次《意见》进一步强调，"健全投资和融资相协调的资本市场功能，推动中 长期资金入市，促进资本市场稳定发展""创新适应家庭财富管理需求的金融产品，规范居民投资理财业 务，提高居民财产性收入"。 资本市场在促消费中可以发挥什么作用？ 继3月份中共中央办公厅、国务院办公厅印发《提振消费专项行动方案》（以下简称《方案》）提 出稳住股 ...

打开手机，花呗、借呗、微粒贷、京东白条这些名称是不是特别熟悉？它们就像随时能"救急"的钱 包，不少人习惯了先消费后还款的生活方式。可当大家满心欢喜计划买房、买车，去银行申请贷款时， 却可能被"贷款审批不通过"这几个字浇了盆冷水。这背后，很可能就和消费贷有关。 最近，有位网友在《金融时报》公众号留言："消费贷上不上征信？"相信这也是很多人的疑惑， 今天就来聊聊消费贷和征信那些事儿。 首先，我们得先弄明白什么是"上征信"。简单来说，就是从事信贷业务的机构，将消费者借钱、还 钱这些信贷信息，报送到金融信用信息基础数据库，也就是大家常说的"央行征信系统"。这个系统是国 家设立的，由中国人民银行征信中心负责管理，它就像一个超大的信用档案库，记录着个人和企业的信 贷信息以及其他信用情况。建立这个系统，是为了帮金融行业防范风险，让金融市场能更好地发展。而 且，《征信业管理条例》规定，从事信贷业务的机构，必须按要求把信贷信息报送到央行征信系统，这 可是法律规定的义务。 搞清楚了"上征信"是怎么回事，那消费贷到底上不上征信呢？一般来说，大多数消费贷是会上征信 的，但具体还得看放贷机构。常见的消费贷产品，与银行的房贷、车贷差不多 ...

2025年京东"618"活动再创新高，京东零售线上业务、线下业态及京东外卖整体订单量超22亿单， 下单用户数同比增长超100%。 今年，各电商平台将大促时间拉长、玩法出新，并聚焦圈层或消费品类，推出定制化主题活动与垂 类专场。 受消费政策、消费偏好、消费习惯、消费观念、消费需求等因素影响，不同圈层、不同地区、不同 年龄的消费者，在今年的"618"大促中也展现出与以往不一样的消费选择。那些在消费者"囤货清单"里 的商品藏着哪些消费新动向？消费金融公司在这个消费季又提供了哪些服务？ 银发族的新选择 无论是Z世代对个性化、潮流化产品的追求，还是中青年群体对品质与实用性的重视，抑或是银发 族对健康和舒适的关注，在今年的"618"期间，不同群体的消费需求正以代际分层的鲜明特征展现着需 求侧的多元化活力。 以往在"618"颇为低调的银发族，今年则呈现出消费破圈态势。相比医疗保健、个人护理等传统观 念里的热门消费品类，今年"618"期间，银发族与年轻人在更多消费场景产生了交集，在人工智能 （AI）潮流产品、智能机器人、徒步户外、服饰等更能紧跟社会发展、提升生活充实感和情感满足度 的消费板块展现出了惊人的消费力。 6月19日 ...

Group 1 - The core viewpoint emphasizes China's unwavering commitment to expanding high-level financial openness and building a mutually beneficial financial development framework, as stated by Li Yunzhe at the 2025 Lujiazui Forum [1] - The Financial Regulatory Bureau plans to further broaden and deepen financial openness to inject more momentum and vitality into high-quality development [1] - A joint action plan to support the construction of Shanghai as an international financial center was released, including measures to encourage innovation in technology finance and cross-border finance [1] Group 2 - Since the 18th National Congress, China's financial reform and development have been driven by openness, significantly enhancing the comprehensive strength of the financial industry [2] - Currently, 42 of the world's top 50 banks have established institutions in China, and nearly half of the 40 largest insurance companies have entered the Chinese market [2] - Foreign insurance companies' market share has increased from 4% in 2013 to 9% currently, while foreign banks' derivative business accounts for nearly one-fifth of the domestic market [2] Group 3 - The strategy to build a new high-level open financial framework includes steadily expanding institutional openness and replicating successful experiences from free trade zones [3] - Efforts will be made to optimize the business environment for foreign investment, ensuring a transparent and stable policy environment [3] - China aims to strengthen global financial security by actively participating in the formulation and maintenance of international financial regulatory rules [3] Group 4 - Over the past 40 years, China has achieved rapid economic growth and long-term social stability, with the financial industry maintaining healthy development [4] - China is accelerating its transformation into the world's largest consumer market, attracting foreign institutions with expertise in consumer finance [4] - The green finance market in China is leading globally, with significant funding needs projected for carbon peak goals by 2030, inviting foreign participation [4][5] Group 5 - The aging population in China is expected to exceed 400 million by 2035, with the silver economy projected to reach 30 trillion yuan, encouraging foreign institutions to engage in the pension market [5] - China's middle-income group is the largest globally, with household cash and savings significantly higher than the OECD average, prompting a demand for wealth management services [5]

在当下消费市场蓬勃发展的浪潮中，消费金融公司在推动消费升级、促进经济增长中发挥着重要作 用，消费金融行业市场规模也在持续增长。 值得注意的是，消费金融公司正面临一个严峻的问题——如何做好贷后管理。这从2025年消费金融 公司转让不良资产以及受到的监管处罚可见一斑。 近期，消费金融公司的贷后管理压力备受业内关注。从银登中心挂牌转让的不良资产情况以及2025 年前4个月监管部门开出的罚单来看，消费金融行业正面临着不小的挑战。 银登中心数据显示，消费金融公司是参与不良贷款转让业务机构中的一大主力。2025年一季度，消 费金融公司不良贷款出让方成交规模仅次于股份制商业银行。 2025年以来，多家消费金融公司密集挂牌不良资产转让项目，其中，包括招联消费金融、捷信消费 金融、南银法巴消费金融、幸福消费金融、平安消费金融、金美信消费金融6家公司，且转让价格普遍 处于1折以下。 业内人士分析认为，消费金融公司面临不良率上升和贷后管理的双重压力，资产质量承压。转让不 良资产虽然有助于及时化解潜在风险，使公司轻装上阵，但也反映出消费金融公司风险压力的增加。 消费金融公司贷后管理压力在监管罚单中也有所体现。 据了解，蚂蚁消费金融、 ...

在政策鼓励金融机构拓宽资金来源的大背景下，消费金融公司金融债发行呈现"升温"态势。 近日，蚂蚁消金发行首期20亿元金融债。据记者统计，年内已有杭银消金、马上消金、中银消金、宁银消金等8家消金 公司，累计发行13期金融债券，募资总规模达161亿元。 "消金公司通过发债，不仅能有效降低融资成本，还能获取中长期资金，这对于公司优化资产负债的期限结构、降低流 动性风险具有重要意义。"在受访行业专家看来，在政策支持多元化融资的背景下，发行金融债已成为消金行业头部机 构构建竞争优势的重要举措。 头部机构加入发债队伍 头部机构蚂蚁消金也加入了发债队伍。蚂蚁消金近日发行2025年第一期金融债券，实际发行总额20亿元，期限为3年， 票面利率1.9%。依据央行发布的《准予行政许可决定书》，未来两年内，蚂蚁消金可在全国银行间债券市场发行不超 过150亿元金融债券。 蚂蚁消金方面对记者表示，为促进金融支持提振消费，国家和金融监管部门鼓励消金公司拓宽多元化融资渠道，加大 重点领域金融投放。蚂蚁消金发行金融债，以拓展中长期资金来源，降低融资成本，优化资产负债结构，进一步提升 服务实体经济能力。 "此番发债将有助于蚂蚁消金补充中长期资金， ...

"《关于金融支持提振和扩大消费的指导意见》（以下简称《意见》）形成了系统性金融支持消费 的政策框架。《意见》出台后，我们将积极响应，结合自身资源禀赋探索出多层次、差异化的扩内需促 消费实践路径。"哈银消金代理董事长、总裁谢云立表示。 "消费金融机构的功能性定位非常明确，即为零售端金融消费者提供用于消费的信贷服务。"马上消 费金融副总经理孙磊说。 据《金融时报》记者了解，消费金融公司聚焦传统业务升级、科技赋能创新两大方向，形成覆盖城 乡居民全生命周期消费需求的金融服务网络。 例如，招联旗下拥有"好期贷""信用付"两大消费金融产品体系，现已全面覆盖购物、旅游、教育、 装修等众多消费场景。哈银消金自主研发"星斗智能风控体系"，实现了智能实时信贷审批，通过线上线 下全方位风险识别，极大压降了客户违约风险比例。 作为消费领域金融供给方之一，支持提振和扩大消费，消费金融公司责任重大。接受《金融时报》 记者采访的消费金融公司表示，消费金融公司是连接金融资源与消费需求的桥梁，将继续积极探索实 践，不断提升专业化服务能力，扩大消费领域金融供给。 政策支持带来新机 南银法巴消费金融加强客群研究，精准识别不同消费场景下的客户需求， ...

近日，《金融时报》记者了解到，宁银消费金融公布了2025年第二期金融债券的相关募集情况，拟 发行10亿元普通金融债券。值得注意的是，在此之前，宁银消费金融年内已发行过一期10亿元的金融 债。 从发行节奏上看，2024年上半年，呈现出较为均衡且密集的发行态势，几乎每个月都有多家消费金 融公司发行金融债。而今年上半年，发行节奏放缓，出现了发行空窗期，特别是在2月和3月几乎没有消 费金融公司发行金融债。在业内人士看来，这种节奏的变化，反映出消费金融公司在资金需求和发行决 策上持谨慎态度。 发行利率持续下降 2025年上半年，我国消费金融公司金融债发行规模虽较去年同期有所下降，但发行利率整体呈下行 趋势，显示出当前市场环境下消费金融公司融资成本显著降低。 2025年已过半，消费金融行业在金融债发行领域的表现受到市场关注。然而，与去年同期相比，今 年上半年，消费金融公司发行金融债的数量和规模却呈现出收缩态势。 发行规模同比减少 2025年上半年，共有7家消费金融公司发行了金融债，合计发行规模为121亿元。发行频率较高的公 司包括中银消费金融、杭银消费金融和马上消费金融，每家均发行了两期金融债。 从发行总额来看，2025 ...

Core Viewpoint - The emphasis on boosting consumption and enhancing investment efficiency is crucial for stabilizing the economy and fostering internal growth dynamics, as highlighted in the government's work report [1] Group 1: Consumption Finance Trends - Consumption finance is a vital financial tool for stimulating domestic demand and enhancing consumer flexibility through small credit activation [1] - The service models, product forms, customer acquisition channels, and risk control systems in consumption finance are continuously innovating, showing trends of online, intelligent, scenario-based, inclusive, and refined services [1] - Financial institutions are encouraged to develop financial products and services that align with new consumption characteristics, actively participating in promotional activities to benefit consumers [2] Group 2: Product and Service Innovation - Consumption finance companies are focusing on product innovation to meet segmented market demands, enhancing existing product systems to better match consumer needs [2] - Recent upgrades in product offerings include the rebranding of "家庭消费贷" to "兴家贷" and the introduction of targeted products like "兴创贷" and "优才贷" to cater to specific consumer groups [2] - New retail financial products such as "消费升级贷" and "绿色消费贷" have been launched to support the trend of consumption upgrades [2] Group 3: Technological Innovation - Technological innovation is key for consumption finance companies to enhance market competitiveness and service efficiency [4] - The number of technology patents held by consumption finance companies reached 1,242 by the end of 2024, supporting their digital transformation [4] - Companies are embedding technology throughout their business processes, utilizing AI and big data for precise risk control and intelligent decision-making [5] Group 4: Customer Experience Enhancement - The introduction of interactive features like "小红花" by Ant Group has led to a significant increase in credit limits for young consumers, with 68% of participants receiving real-time credit increases [5] - Companies are focusing on optimizing customer experience through app upgrades and improving service processes to enhance usability for all customer segments [5][6] - The digital transformation driven by technology not only aligns financial services with consumer needs but also reshapes industry operational logic for mutual benefits [6]