9月以来，消费金融公司仍在持续出清不良资产。9月22日，据北京商报记者不完全统计，已有中银消费金融、中邮消费金融、建信消费金融、中信消费金 融、杭银消费金融、锦程消费金融、湖北消费金融等多家消金公司在转让不良贷款。 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显著上升，显示出行业加速风险出清的趋势。其中，中银消费金融尤为活跃，至今已发布第76 期个人不良贷款转让业务。在分析人士看来，消金公司通过批量转让不良资产可以降低催收和诉讼成本、释放风险资产，此举也释放出行业从规模扩张转向 质量优先的信号，未来不良资产市场化处置将趋于常态化。 打包甩卖，未偿本息总额达25亿元 一直在不断对外挂牌转让不良资产的中银消费金融，再次出手了。 根据银行业信贷资产登记流转中心（以下简称"银登中心"）官网，9月19日，中银消费金融发布2025年第69—76期个人不良贷款（个人消费贷款）批量转让 项目招商公告，8期项目转让的资产包中，未偿本息总额累计超过25.04亿元。 | 资产类型 | 个人消费贷款 | | --- | --- | | 借款人户数 | 2128 | | 未偿本金总额(元) | 219, 011, 546. ...

Core Viewpoint - The joint initiative by the National Financial Supervision Administration, the People's Bank of China, and the China Securities Regulatory Commission aims to enhance public financial literacy and protect consumer rights through the "2025 Financial Education Promotion Week" [1] Group 1: Financial Education and Consumer Protection - The "2025 Financial Education Promotion Week" focuses on improving financial literacy among the public and safeguarding the legitimate rights of financial consumers [1] - Ping An Consumer Finance has actively participated in this initiative by organizing a public welfare event titled "Guarding Safety · Anti-Fraud Pin Exchange" in collaboration with the Pudong Public Security Bureau [1][3] - The event utilized customized badges to create a communication bridge between the police and the public, effectively disseminating anti-fraud knowledge through engaging activities [1] Group 2: Company Initiatives and Achievements - Since its establishment, Ping An Consumer Finance has consistently prioritized consumer rights protection, integrating it into corporate governance and enhancing sales traceability mechanisms [3] - The company has conducted over 260 financial literacy promotion activities, reaching approximately 15 million people by June 2025 [3] - Ping An Consumer Finance emphasizes collaboration with external institutions, including law enforcement, to combat financial crime and explore new solutions for consumer protection [3]

当互联网浪潮席卷生活的每个角落，网络安全已然成为发展数字经济、守护民生福祉的"生命线"，是国 家战略中不可或缺的关键一环。9月15日，2025年国家网络安全宣传周如期而至，今年以"网络安全为人 民，网络安全靠人民——以高水平安全守护高质量发展"为主题，既点明了网络安全的民生属性，也强 调了技术创新的关键支撑。作为中国联通与招商银行两大央企合作典范，招联消费金融股份有限公司 （以下简称"招联"）积极承担"金融为民"使命，以责任为基础、以科技为依托，在深耕金融科技领域的 同时，持续通过筑牢技术防线、加强金融宣教等举措，让网络安全既具备科技的锐度，更承载民生的温 度。 以技术为基 夯实网络安全科技防线 网络安全是国家安全的重要组成部分，"十四五"规划和2035年远景目标纲要把"加强网络安全保护"作 为"营造良好数字生态"重要内容，凸显了网络安全对营造开放、健康、安全数字生态的重大意义。招联 牢牢把握网络安全"防"字诀，以金融科技全力构建"打不破、穿不透"的基础防线。 在风险识别层面，招联通过深度挖掘内外部数据资源，利用大数据征信、云计算等先进技术，自主打造 了覆盖贷前、贷后、征信、反欺诈、模型、催收等风险管理全流程 ...

Core Viewpoint - The event "Community Walk, Consumer Protection Together" organized by Bank of China Consumer Finance aims to enhance financial education and consumer rights protection through an immersive and community-oriented approach [1][3]. Group 1: Event Overview - The event took place during the 2025 Financial Education Promotion Week and involved over 40 financial consumer representatives [1]. - It gathered financial practitioners, consumer representatives, and anti-fraud police to form a "Consumer Protection Promotion Vanguard" [3]. Group 2: Innovative Approach - The initiative combines "Citywalk" with financial education, creating a unique route that includes cultural landmarks and community grids [5]. - Participants walked along the Suzhou River, visiting various cultural sites, which integrated financial knowledge with urban exploration [5][7]. Group 3: Educational Impact - Multiple financial knowledge checkpoints were set up along the route, effectively merging financial risk prevention and consumer rights protection with the walking experience [7]. - Participants learned practical financial knowledge and acted as "Consumer Protection Knowledge Couriers," distributing easy-to-understand risk alert materials to local residents [8][10]. Group 4: Targeted Outreach - The "Risk Alerts Delivered to Your Door" initiative involved direct engagement with communities, particularly targeting vulnerable groups such as the elderly and new residents [11]. - The outreach included home visits, group explanations, case analyses, and on-site Q&A sessions to enhance awareness of common financial traps like telecom fraud and illegal fundraising [11][13]. Group 5: Long-term Mechanism - The event represents a significant step in implementing a "grid-based" financial education mechanism, aiming to integrate financial education into daily life [14]. - The company plans to continue innovating promotional methods to build a multi-layered consumer rights protection system, contributing to public financial literacy and stability [14].

Core Viewpoint - The performance of licensed consumer finance institutions is under scrutiny in 2025, with a focus on the mid-term results of companies like Mashang Consumer Finance, which reported significant revenue and profit figures despite industry challenges [2][3]. Financial Performance - Mashang Consumer Finance achieved a revenue of 8.735 billion yuan and a net profit of 1.155 billion yuan in the first half of 2025, marking a year-on-year revenue growth of 12.96% and a net profit increase of 8.07% [2][3]. - The company maintained its position as the second in revenue and third in net profit among consumer finance institutions, being one of the few to surpass 1 billion yuan in net profit during the first half of the year [3]. - For the full year 2024, the company reported a net profit of 2.281 billion yuan, a 15.09% increase from 1.982 billion yuan in 2023, despite a slight revenue decline of 4.09% [4]. Credit Losses and Operational Efficiency - The credit impairment losses for 2024 were significantly reduced to 3.860 billion yuan from 6.024 billion yuan in 2023, contributing to the net profit growth [5]. - The company has faced challenges with rising non-performing loan rates, which increased from 2.05% at the end of 2022 to 2.49% at the end of 2024, with non-performing loan balances rising from 1.284 billion yuan to 1.533 billion yuan [5]. Cost Structure and Compliance Issues - Mashang Consumer Finance's business and management fees included 3.128 billion yuan in collection agency fees, raising concerns about the transparency and compliance of these expenses compared to peers [5]. - The company has faced over 70,000 complaints related to aggressive collection practices, including issues of false promises and privacy violations, indicating potential operational risks [6][7]. Regulatory Scrutiny - The company was fined 1 million yuan by the regulatory authority for inadequate management of outsourced collection agencies and improper pre-loan assessments [7]. - Concerns have been raised regarding the bundling of membership services that may obscure the true cost of loans, potentially violating consumer protection regulations [8][10].

Group 1 - The core theme of the financial education campaign is "Protecting Financial Rights, Supporting a Better Life," focusing on educating vulnerable groups such as the elderly and youth about financial risks [1][2] - The campaign includes activities to raise awareness about preventing telecom fraud, illegal fundraising, and unauthorized loan intermediaries, as well as promoting personal credit protection [1][2] - A "Financial Market" event was organized in Beijing, where Citic Consumer Finance collaborated with Citic Bank to create an engaging platform for consumers to learn about financial knowledge [1][2] Group 2 - The event featured various zones including an education area with informational brochures on financial topics relevant to daily life, a game area with interactive activities to identify consumer rights violations, and an interactive area for consumer engagement [2] - Participants could engage in a game called "Stay Away from Traps," which helped them recognize typical consumer rights infringement issues while receiving fun gifts related to fraud prevention [2] - Citic Consumer Finance plans to continue its commitment to financial education and consumer rights protection, aiming to innovate in outreach methods and contribute to a harmonious financial consumption environment [2]

当互联网浪潮席卷生活的每个角落，网络安全已然成为发展数字经济、守护民生福祉的"生命线"，是国 家战略中不可或缺的关键一环。9月15日，2025年国家网络安全宣传周如期而至，今年以"网络安全为人 民，网络安全靠人民——以高水平安全守护高质量发展"为主题，既点明了网络安全的民生属性，也强 调了技术创新的关键支撑。作为中国联通与招商银行两大央企合作典范，招联消费金融股份有限公司 （以下简称"招联"）积极承担"金融为民"使命，以责任为基础、以科技为依托，在深耕金融科技领域的 同时，持续通过筑牢技术防线、加强金融宣教等举措，让网络安全既具备科技的锐度，更承载民生的温 度。 以技术为基 夯实网络安全科技防线 网络安全是国家安全的重要组成部分，"十四五"规划和2035年远景目标纲要把"加强网络安全保护"作 为"营造良好数字生态"重要内容，凸显了网络安全对营造开放、健康、安全数字生态的重大意义。招联 牢牢把握网络安全"防"字诀，以金融科技全力构建"打不破、穿不透"的基础防线。 在风险识别层面，招联通过深度挖掘内外部数据资源，利用大数据征信、云计算等先进技术，自主打造 了覆盖贷前、贷后、征信、反欺诈、模型、催收等风险管理全流程 ...

Core Viewpoint - The recent collaboration between foreign banks and internet loan platforms in China is driven by the need for compliance with new regulations and the desire to enhance local market penetration, particularly in consumer credit [1][3][4] Group 1: Collaboration Details - East Asia Bank (China) and several other foreign banks have disclosed their internet loan cooperation partners, including private banks, consumer finance companies, and major internet platforms [1][2] - Fubon Bank (China) has the most extensive list of partners, totaling 52 institutions, indicating a significant push towards collaboration in the internet loan sector [1][2] - The types of partners include licensed consumer finance companies, small loan companies, and large internet platforms like Alipay and UnionPay, which are crucial for expanding customer reach [2] Group 2: Regulatory Context - The upcoming implementation of the new lending regulations on October 1 is a key factor motivating foreign banks to disclose their cooperation lists, aiming to enhance compliance and consumer protection [3][4] - The new regulations emphasize centralized management, risk pricing, and strict approval processes for external partners, which foreign banks must adhere to [3] Group 3: Strategic Implications - Foreign banks are leveraging partnerships to address their shortcomings in local market knowledge, customer base, and operational experience, thereby facilitating a more effective entry into the consumer credit market [4][5] - The collaboration with local institutions is seen as a strategic move to tap into the growing consumer credit sector in China, which presents new profit opportunities [5][6] Group 4: Challenges and Recommendations - Despite the potential benefits, foreign banks face challenges related to ensuring the compliance and risk management capabilities of their partners, which is critical under the new regulations [5][6] - Industry experts recommend that foreign banks should focus on both external partnerships and internal capabilities to enhance their internet loan offerings and ensure compliance with regulatory standards [6]

Core Viewpoint - The recent collaboration between foreign banks and internet loan platforms in China is driven by the upcoming implementation of new regulations aimed at enhancing compliance and addressing operational shortcomings in the lending process [4][5][6]. Group 1: Collaboration Details - East Asia Bank (China), Fubon Bank, Hana Bank (China), and others have disclosed their internet loan cooperation partners, which include a variety of institutions such as private banks, consumer finance companies, and internet platforms [1][2]. - Fubon Bank has the highest number of disclosed partners, totaling 52, with a significant portion being financing guarantee companies [2][3]. - Major internet platforms like Alipay and UnionPay are also collaborating with several foreign banks, indicating a trend towards leveraging established digital ecosystems for loan acquisition and servicing [2][3]. Group 2: Motivations for Collaboration - The collaboration is primarily motivated by the need for foreign banks to comply with the new internet lending regulations set to take effect on October 1, which aim to improve risk management and consumer protection [4][5]. - Foreign banks face challenges such as insufficient local market integration and limited operational experience, making partnerships with local institutions a strategic move to enhance their market presence and service offerings [5][6]. Group 3: Regulatory Context - The new regulations emphasize centralized management, risk pricing, and the establishment of a clear list of approved partners for internet lending, which foreign banks are now adhering to [4][5]. - The regulations also aim to mitigate risks associated with external partnerships, ensuring that foreign banks maintain control over their lending practices and consumer protection measures [6][7]. Group 4: Challenges Ahead - Despite the potential benefits, foreign banks must navigate the complexities of ensuring compliance and managing risks associated with their partnerships, particularly in light of the new regulatory framework [6][7]. - There is a need for foreign banks to enhance their internal capabilities while effectively managing external partnerships to ensure sustainable growth in the Chinese consumer credit market [6][7].

Core Viewpoint - Chinese financial enterprises are facing unprecedented challenges due to profound adjustments in the macroeconomic landscape, severe fluctuations in financial markets, and misalignment in policy cycles, necessitating a strategic reconstruction to achieve sustainable growth and resilience [1][3]. Group 1: Four Major Challenges Facing Chinese Financial Enterprises - The first challenge is the increasing uncertainty in the macroeconomic environment, complicating business growth and risk management [3]. - The second challenge involves stricter regulatory policies that reshape the balance between compliance and innovation [10]. - The third challenge is intensified market competition, which compresses traditional profit margins [13]. - The fourth challenge is the need for systemic restructuring in response to evolving development models [3][16]. Group 2: Macroeconomic Context - The global economy is characterized by "weak recovery and high differentiation," with the World Bank predicting a global GDP growth rate of only 2.3% by 2025 [4]. - China's economy continues to prioritize quality and efficiency, with a GDP growth of 5.3% in the first half of 2025, and high-tech manufacturing value-added increasing by 9.5% [4]. - The financing demand is deeply differentiated, with traditional sectors like real estate experiencing a 30% decline in financing demand, while emerging sectors see explosive growth [8]. Group 3: Regulatory Environment - Financial regulation has become increasingly stringent, with 2,755 penalties issued to banks in the first half of 2025, totaling 787 million yuan [11]. - Regulatory measures aim to guide financial resources towards key areas of the real economy, including technology finance and green finance [12]. Group 4: Market Competition - The financial industry is experiencing fierce competition, shifting from "expanding increment" to "competing for existing stock" [13]. - The number of financing leasing companies has decreased by 42% over the past five years, indicating a significant industry consolidation [14]. Group 5: Development Model Transformation - The financial sector is undergoing a fundamental shift from "scale-driven" to "value-creating" models, emphasizing digital transformation and industry integration [16]. - Financial technology investments among major banks exceeded 125.4 billion yuan in 2024, reflecting a growing focus on technology-driven business opportunities [28]. Group 6: Market Opportunities - Financial enterprises should focus on four types of market opportunities: cyclical, competitive, technological, and regional [19]. - Cyclical opportunities involve positioning for both upward and downward market trends, while competitive opportunities emphasize differentiation in a saturated market [21][23]. - Technological opportunities arise from the application of AI, blockchain, and big data, transforming financial services into a more efficient and integrated model [26][28]. - Regional opportunities highlight the importance of geographic strategy in capturing market potential and policy benefits [31][32].