在金融消保实践中，基于自研的"招联智鹿"大模型成果，招联率先探索大模型在消保全流程的深度应 用，创新打造了招联智鹿大模型消保智能体，汲取中医"治未病"理念，建立起"未病先防、欲病早治、 已病综治"的三层递进式消保防线，以针对性、立体化的解决方案，努力从源头闭环解决客户投诉隐 患，在不断追求产品服务极致体验的同时，切实提升消保工作质效。截止目前，招联客户投诉48小时首 联率为99.04%，5个工作日办结率为98.73%，客户满意度达98%，获得市场与监管的认可。 另一方面，招联积极开展消保宣教，把增强消费者金融知识、风险意识、信用意识纳入消保工作的重要 内容。基于AI技术，招联辅助制作了大量视频、漫画、海报等宣教素材，并在多个线上渠道传播，助 力消保宣传常态化。结合315消费者权益日、614信用记录关爱日、防范非法集资宣传月等时点，招联持 续开展专项主题教育，触达消费者近3亿人，并连续三年获得深圳市居民金融素养提升工程表彰。 近日，中国人民银行主管的《中国金融》杂志发布第七届金融业年度优秀品牌案例评选结果。凭借前瞻 的声誉风险管理理念和扎实的全流程精细化管理，招联消费金融股份有限公司（以下简称"招联"）申报 的 ...

自2017年成立至今，融慧金科已累计服务近200家持牌金融机构，在助力消费金融行业的数字化转型中 发挥了关键作用。2025年，融慧金科正式迈入"新融慧"战略阶段，从数据生态的深度拓展到AI技术的突 破性应用，从全链路赋能的体系升级到行业经验的持续深耕，「新融慧」正以"深化甲方视角，打造行 业Know-How壁垒"、"构建多维数据网络，释放数据融合价值"、"AI驱动敏捷创新，重塑行业效率标 杆"、"全链路体系升级，赋能金融机构自主进化"四大创新优势，重塑金融科技服务生态。 近日，在WAIC世界人工智能大会上，蚂蚁数科联合包括融慧金科在内的十余家科技伙伴共同发起「金 融智能体应用联创联盟」。融慧金科联合创始人张羽受邀出席联盟成立仪式。 联盟将积极推进金融AI的行业标准、产业应用、生态合作，构建开放共赢的协作平台，推动行业繁 荣。 具体包括： 共创行业标准：融合AI技术与垂直场景，共同定义金融智能新标准。 共践产业应用：探索并落地更多创新机制，让合作能够扎根生长，共同践行产业应用落地。共享生态价 值：深化产品共创、方案整合、市场拓展及服务交付等全链路的协同，实现行业共享行业共荣。 蚂蚁数科副总裁、中国区业务发展部总 ...

Group 1 - Bairong Cloud-W (06608) saw an afternoon increase of over 11%, currently up 10.16% at HKD 9.65, with a trading volume of HKD 48.08 million [1] - Bairong Cloud won the "AI Model Innovation Application Award" at the 2025 Innovation Development Forum, marking its second consecutive year receiving this award [1] - According to Guotai Junan Securities, AI is gradually being implemented in various sectors such as securities research, bank credit, marketing channels, insurance agent empowerment, small business marketing, and consumer finance risk control, indicating a broad future potential [1] Group 2 - The report highlights a positive outlook for the consumer finance industry, particularly in intelligent customer service, smart marketing, and intelligent risk control scenarios [1] - Bairong Cloud is recommended as a key player in the rapidly developing consumer finance sector [1]

2025年7月31日，中诚信国际公布评级报告，兴业消费金融股份公司2024年第三期金融债券跟踪评级 获"AAA"评级。 中诚信国际认为，兴业消费金融股份公司信用水平在未来12~18个月内将保持稳定。 来源：金融界 本次跟踪维持主体及债项上次评级结论，主要基于兴业消费金融股份公司（以下简称"兴业消费金 融"、"公司"或"发行人"）强大的股东支持、利润留存不断积累等正面因素对公司整体经营及信用水平 的支撑作用；同时，中诚信国际关注到，政策及竞争环境存在不确定性、宏观经济增速放缓对公司资产 质量的影响以及公司业务发展、升级对人才及技术压力等因素对公司经营及信用状况形成的影响。 ...

Core Viewpoint - The implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies aims to alleviate credit burdens for residents with genuine consumption needs and to support service-oriented consumption, thereby stimulating market activity and economic growth [1][2][3]. Group 1: Policy Implementation - The State Council's meeting emphasized the importance of fiscal and financial collaboration to boost consumption and activate the market by focusing on both personal consumption and service industry loan demands [1][2]. - The policies are seen as a form of "national subsidy" in the financial sector, aimed at reducing credit costs for residents and financing costs for service industry entities, thus enhancing consumption potential and market vitality [2][3]. Group 2: Financial Institutions' Role - Financial institutions are encouraged to design matching interest-subsidized loan products and ensure compliance in fund usage, with a focus on specific consumption scenarios [4][5]. - Institutions should actively identify financing needs among small and medium-sized enterprises in sectors like catering, housekeeping, and childcare, especially those affected by the pandemic or planning expansion [5]. Group 3: Consumer Financing Products - Financial institutions have accelerated the launch of consumer financing products tailored to consumption upgrades, such as "Consumption Upgrade Loan" and "Green Consumption Loan" [6]. - A roadmap for financial support to boost consumption has been outlined, combining credit support, scenario discounts, and green incentives to lower consumer costs and enhance willingness to spend [6].

资料显示，乐信控股有限公司是中国领先的新消费服务平台,以科技创新不断创造新消费方式,打造了以 分期消费品牌分期乐、会员制消费服务品牌乐卡为核心的新消费服务生态,帮助亿万用户快乐消费,通过 科技助力商家提升经营能力,创造更大商业价值,助力中国新商业文明加快建设,推动中国经济健康蓬勃发 展。 乐信旗下主要业务包括:品质分期购物平台分期乐商城、会员制消费服务平台乐卡APP、金融科技开放 平台鼎盛科技、网络借贷信息中介服务平台桔子理财,以及智慧新中产财富管理服务品牌乐信财富。 本文源自：金融界 7月31日，乐信(LX)盘中上涨2.36%，截至22:07，报6.285美元/股，成交325.06万美元，总市值10.58亿美 元。 财务数据显示，截至2025年03月31日，乐信收入总额31.04亿人民币，同比减少4.25%；归母净利润4.3 亿人民币，同比增长113.43%。 大事提醒： 8月26日，乐信将披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时间，实际 披露日期以公司公告为准）。 作者：行情君 ...

Core Insights - Qudian Inc. (QD) opened with a 2.68% increase, reaching $3.83 per share, with a total market capitalization of $632 million as of July 31 [1] - Financial data indicates that as of March 31, 2025, Qudian's total revenue was 25.789 million RMB, a decrease of 53.82% year-over-year, while net profit attributable to shareholders was 150 million RMB, reflecting a significant increase of 303.92% year-over-year [1] Financial Performance - Total revenue for Qudian as of March 31, 2025, was 25.789 million RMB, down 53.82% compared to the previous year [1] - Net profit attributable to shareholders reached 150 million RMB, showing a year-over-year growth of 303.92% [1] Upcoming Events - Qudian is scheduled to release its mid-year report for the fiscal year 2025 on September 5, with the actual disclosure date subject to company announcements [2] - The company is focused on consumer-oriented technology solutions and is exploring innovative consumer products and services to meet the basic needs of Chinese consumers [2]

近期，中银消费金融三股东上海陆家嘴金融发展有限公司发布了2025年半年报，其中披露了中银消费金 融2025年上半年业绩表现。 据半年报显示，中银消费金融总资产达817.03亿元，较上年末增长2.55%；营业收入达36.81亿元，同比 增长2.8%；净利润扭亏为盈，为1.5亿元，去年同期亏损3.06亿元。 | | | | | | | 甲保:元 巾秤:人民中 | | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 開来会額/ 本期发生額 | | | | 開初会額/ 上開发生額 | | | | 上海中心失腹健设发 | 上海湖东盗景城房 | | 中银消费金融有限公 上海螺塔置业有限 上海中心大厦建设 上海域东嘉里城房 | | 中製消費公體有限 | 上海醒悠置业有限 | | | 展有限公司 | 地产有限公司 | | 52.10 发展有限公司 | 地产机版公司 | 22.70 | 100 | | 境动资产 | 924, 541, 630, 76 | 428, 430, 077. 57 | 79, 226, 745, 527, 70 | 24, 793, 97 ...

Core Insights - The People's Bank of China and five other departments issued guidelines to boost consumption, proposing 19 key measures to encourage financial institutions to support consumption through various innovative financing methods [1] Group 1: Financial Support Initiatives - Haier Consumer Finance launched the "Smart Home Installment" product, offering 0 down payment, 0 interest, and 0 fees for home appliance financing, aligning with national policies to promote consumption [1] - The product integrates advanced technology into the installment process, enabling rapid approval and enhancing customer experience through a seamless application process [1][12] Group 2: Sales Performance - In Shanxi, the "Smart Home Installment" program significantly boosted appliance sales, with a single event achieving sales of over 2 million yuan, where installment transactions accounted for 38% [3] - Another event in Shanxi recorded sales of 2.36 million yuan, with installment transactions making up 35% and a 90% increase in average transaction value for installment purchases [5] Group 3: Customer Experience - Customers reported positive experiences with the "Smart Home Installment," such as a couple who, after learning about the financing options, quickly purchased a full set of appliances without any interest costs [7] - In Guizhou, 139 families utilized the installment service, with an average transaction value of 14,100 yuan per customer [8] Group 4: Product Integration and Expansion - The "Smart Home Installment" has been integrated with UnionPay's upgraded services, allowing for a seamless process from subsidy application to interest-free installment and appliance delivery [12] - The program has rapidly expanded to over 1,800 Haier stores nationwide, providing nearly 100 million yuan in interest-free loans [12]

据统计，2025年开年至今，已经有杭银消金、马上消金、中银消金、宁银消金，以及海尔消金等7家消 金公司，累计发行了12期金融债券，募资总规模达141亿元。其中，马上消金年内发行了3期金融债券， 中银消金、宁银消金和杭银消金各发行2期，成为发债较为活跃机构。 | 公司名称 | 债券简称 | 发行规模 | 发行期限 | 债券评级 | 主体评级 | 票面利率 | | --- | --- | --- | --- | --- | --- | --- | | | | (亿) | (年) | | | | | 马上消金 | 25 马上消费金融债 03 | 5 | 1 | ਸ ਦੇ ਜ | ਸ ਦੇ ਉ | 1.78 % | | | 25 马上消费金融债 01 | 15 | 1 | ਸ ਦੇ ਮ | ਦੇ ਦੇ ਜ | 2.05 % | | | 25 马上消费债 02 | 10 | I | ਸ ਦੇ ਦ | ਮ ਦੇ ਮ | 1.88 % | | 中银消金 | 25 中银消费金融债 02 | 15 | 1 | A-1 | ਦੇ ਦੇ ਉ | 1.70 % | | | 25 中银消费金融债 01 | 10 | 3 | ਸ ਦੇ ...