作为中国最大的消费金融公司，终于发债了。 8月4日，重庆蚂蚁消费金融有限公司（蚂蚁消金）传来重大消息，公司8月4日簿记建档发行2025年第一期金融债券，此次发行规模20亿元，期限为3年， 票面利率采用固定利率形式。申购利率在1.7%-2.4%之间，申购时间在8月4日9点-18点。 联合资信评估股份有限公司给予本期债券及发行人主体AAA信用评级。 值得注意的是，这是蚂蚁消金自2021年成立以来首次发行金融债券。 蚂蚁消金此次发债是基于中国人民银行在2025年7月4日批准的150亿元债券发行额度，该额度有效期至2027年7月3日。 在未来两年内，蚂蚁消金可根据自身经营状况和市场环境自主选择发行节奏。 按照相关规定，金融机构需要成立以来连续三年盈利才能发行金融债券。 蚂蚁消金财务数据显示，2024年实现营业收入152.13亿元，同比增长76.3%，净利润30.51亿元，同比增长1907.24%，总资产为3137.51亿元，同比增长 30.91%。 公告显示，此次债券发行由华泰证券担任簿记管理人。 | | "绩情况 | | | | | | | --- | --- | --- | --- | --- | --- | - ...

越来越多「超短账龄」的个贷不良资产包正活跃于交易市场。 1 最近，在银行业信贷资产登记流转中心（以下简称「银登中心」）上，中银消费金融挂出了一批个贷不良资产包，加权平均逾期天数仅93天，且状态均为 「已核销」、「未诉讼」。 | 一、不良贷款基本信息 | | | | | --- | --- | --- | --- | | 交易基准日 | 20250505 | 未偿本金总额(元) | 7.086. 365.00 | | 资产笔数(笔) | 77 | 未偿利息总额(元) | 507. 485. 81 | | 借款人户数(户) | 77 | 未偿本息总额(元) | 7.593.850.81 | | 加权平均逾期天数 | 93 | 其他费用(元) | 52.654.70 | | 单一借款人最高未偿 本息余额(元) | 202, 286. 08 | 情蒙人平均未偿本思余额 (元) | 98.621. 44 | | 借款人加权平均年龄 43.34 | | 借款人加权平均授信额度 (元) | 154. 320. 48 | | 五级分类情况 | 次级 77 奖 | | | | 核销情况 | 已核销 77 笔 | | | | 担 ...

重庆蚂蚁消费金融有限公司公告称，将于8月4日起在中国银行间市场发行一笔3年期金融债，计划发行 规模为20亿元人民币。 ...

重庆蚂蚁消费金融有限公司公告称，将于8月4日起在中国银行间市场发行一笔3年期金融债，计划发行 规模为20亿元人民币。这份落款为7月25日的公告称，根据联合资信评估股份有限公司的评级结果，发 行人主体信用级别为AAA，本期债券信用级别为AAA。根据另一份公告的附件显示，本期债券票面利 率的申购区间为1.70%-2.40%，申购时间为8月4日9:00-18:00。 ...

Core Insights - The report highlights the role of digital finance in enhancing individual aspirations and improving social welfare through technology [1][9] - 2024 is a pivotal year for ESG standardization in China, with new guidelines from the Ministry of Finance and other departments [3] - The company emphasizes the integration of technology and social responsibility in its operations, aiming for sustainable development [3][18] Technology and Innovation - The company has invested a total of 4.79 billion yuan in research and development, leading to over 2000 risk control data models [5][7] - It ranks seventh globally in patent innovation in the financial model sector, showcasing its technological prowess [5][6] - The introduction of smart monitoring devices in agriculture has improved efficiency, reducing costs by over 15% and increasing sales by over 20% [9][11] Social Responsibility and Community Impact - The company has launched initiatives like "Yili Job," which has connected over 317,000 new citizens with job opportunities [13] - The emotional support robot "Peipei" has been deployed in welfare institutions, addressing the needs of the elderly [11][13] - The company has achieved a carbon reduction of 2.5905 million tons, equivalent to the annual CO2 absorption of approximately 14.39 million mature trees [14][15] Financial Security and Risk Management - The company has established a comprehensive risk management framework, collaborating with 138 institutions to combat financial crime [16][17] - It has developed a consumer protection system that integrates governance, management, and technology to safeguard user rights [17][18] Conclusion - The company has set a precedent in the industry by integrating ESG principles into its business model, demonstrating that responsible practices can drive sustainable growth [18]

重庆养鸡户钟桃通过智能监测设备管理一万多只鸡，福利院老人与情感机器人"裴裴"倾诉家常， 31.7万新市民在逸骊Job平台获得工作介绍机会 ——这些看似和金融无关的场景，已经成为马上 消费科技赋能、助力个体实现梦想的生动图景。 近日，马上消费发布《2 0 2 4年度社会责任（ESG）报告》（以下简称"报告"），用一系列硬 核数据揭开了数字金融的温度密码。 2 0 2 4年是中国ESG迈向"标准化"的重要一年，中国财政部等九部委发布了《企业可持续披露 准则——基本准则（试行）》，同时，香港联交所发布《环境、社会及管治报告守则》，对 ESG披露作出进一步要求。与此同时，中央金融工作会议指出，金融要为经济社会发展提供 高质量服务，做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大文章。对于 金融机构而言，落实好中央金融工作会议精神，深入布局金融"五篇大文章"，扎实推进ESG 理念与可持续发展，是锚定建设金融强国目标，扎实推动金融高质量发展的关键路径。 马上消费董事长赵国庆在《报告》开篇辞中表示：作为一家技术驱动的数字金融机构，马上 消 费 始 终 坚 持 业 务 稳 健 经 营 与 长 期 社 会 责 任 一 ...

Core Viewpoint - Beijing's financial regulatory authority has issued a notice to strengthen the management of assistive lending businesses, signaling a crackdown on the "membership rights" model that obscures borrowing costs [1][2][5] Group 1: Regulatory Changes - The notice requires clear agreements on comprehensive financing cost ranges between platform operators and credit enhancement service providers, ensuring compliance with the Supreme Court's regulations on maximum loan costs [2][6] - The regulatory focus is on eliminating the use of "membership rights" and "value-added rights" to indirectly increase financing costs, which has been a common practice among many consumer finance companies and assistive lending platforms [2][4] Group 2: Industry Impact - The "membership rights" model has been criticized for becoming a means to hide hidden fees in online loans, leading to numerous consumer complaints regarding forced payments and lack of transparency [4][5] - The implementation of the new regulations may lead to a consolidation of the assistive lending market, with smaller institutions potentially being eliminated due to their inability to adapt to the new compliance requirements [6][7] Group 3: Future Outlook - The regulatory framework aims for complete transparency and compliance in financing costs, which may limit the operational space for assistive lending platforms that cannot meet the 24% interest rate cap [6][7] - The new regulations are seen as a starting point for balancing compliance and profitability in the assistive lending industry, rather than a turning point [7]

（原标题："养生游"变诈骗陷阱！官方提醒，银发族守好钱袋子） 近日，中国人民银行深圳市分行官方微信公众平台更新一则关于反诈防骗的提示内容，通过短视频结合图文宣传的形式，直指"银发族"常见的新 型诈骗方式。 据了解，此条内容是在人民银行深圳市分行的指导下，由招商银行深圳分行参与制作。 银发族需警惕新陷阱 中国人民银行深圳市分行官方微信公众平台信息，在最新发布的反诈防骗内容中，拆解了一个专门针对中老年人的新诈骗套路。 随着越来越多的"银发族"熟悉使用智能手机，各类眼花缭乱的"养生秘籍"层出不穷的"养老项目"，屡试不爽的"名贵药材内销渠道"，各种新型的 诈骗方式，让中老年群体极易上当受骗。 免费养生一日游？交通伙食费全免？还有"专家"讲解养生保健秘诀？......此类看似是一次"薅羊毛"旅行，却极有可能是一场套路满满的投资诈骗。 对此，该反诈宣教内容提示：请大家谨记，天上不会掉馅饼，稍不留神踩陷阱，不贪不占小便宜，守住钱袋方安心。 实际上，7月以来，"全民反诈在行动"反诈宣教活动持续推进，各类金融机构积极响应。7月上旬，中国人民银行深圳市分行就通过官方微信公众 平台发布两则涵盖"反诈防骗 安全支付"主题的宣传内容， ...

Core Viewpoint - The article emphasizes the increasing prevalence of scams targeting the elderly population in China, particularly as they become more familiar with technology and various investment schemes [3][8]. Group 1: Scam Awareness - The People's Bank of China, Shenzhen Branch, has released information highlighting new scams specifically aimed at the elderly, who are often lured by seemingly attractive offers such as free health tours and expert talks on wellness [3][7]. - The article warns that these offers may disguise investment scams, urging the elderly to be cautious and avoid falling for such traps [3][8]. Group 2: Ongoing Anti-Fraud Campaigns - Since July, a nationwide anti-fraud campaign has been actively promoted, with various financial institutions participating in educational efforts to raise awareness about fraud prevention [7][8]. - The campaign includes the use of diverse media formats, such as short videos and social media, to disseminate financial knowledge and alert the public to potential scams [8][9]. Group 3: Technological Advancements in Fraud Prevention - Financial institutions are increasingly adopting advanced technologies like artificial intelligence and big data to enhance their fraud prevention measures, creating a new paradigm of "intelligent prevention and ecological governance" [8][10]. - The article notes that the complexity of fraud techniques has escalated, necessitating more sophisticated risk identification and analysis capabilities [10][11]. Group 4: Collaborative Efforts in Fraud Prevention - The article discusses the shift in financial institutions from reactive measures to proactive prevention strategies, highlighting the importance of collaboration between banks and law enforcement to quickly respond to fraud cases [9][12]. - There is a growing emphasis on establishing information-sharing mechanisms within the industry to create a more effective anti-fraud ecosystem [12].

Economic Performance - Binhai New Area's GDP grew by 5.4% in the first half of the year, maintaining a steady growth trend [1] - Fixed asset investment increased by 9.6%, contributing 73% to the city's growth [1] - General public budget revenue rose by 5.8%, surpassing national and city averages [1] Industrial Development - Binhai New Area focuses on strategic emerging industries such as aerospace, biomedicine, and integrated circuits, driving innovation and forming industry clusters [2][3] - Major projects include investments in JD Consumer Finance and battery recycling, with new retail projects like JD MALL becoming operational [2] Financial Integration - The area promotes financial integration with industry, enhancing support for real economy through green and technology finance [3][6] - A significant investment platform was established with a total investment of 55 billion yuan to enhance effective investment [5] Policy Support - The implementation of 22 specific measures to stabilize foreign trade and investment, including the removal of restrictions on foreign investment in manufacturing [7] - Continuous policy support is driving effective investment and project establishment in Binhai New Area [7] Future Outlook - Binhai New Area aims to strengthen key industries and promote project implementation to sustain economic growth [8] - The area is committed to preventing financial risks while achieving new results in high-quality development [8]