该公司成立于2015年5月，法定代表人为张伟年，经营范围包括发放个人消费贷款、接受股东境内子公 司及境内股东的存款、向境内金融机构借款等，由南京银行股份有限公司、法国巴黎银行（BNP PARIBAS）、国际金融公司、法国巴黎银行个人金融集团（BNP PARIBAS PERSONAL FINANCE）共 同持股。 天眼查App显示，12月12日，南银法巴消费金融有限公司发生工商变更，注册资本由52.15亿人民币增至 60亿人民币，增幅约15%，同时，多位高管发生变更。 ...

Group 1 - The core point of the announcement is that Changsha Bank plans to increase its capital in its subsidiary, Hunan Changyin 58 Consumer Finance Co., Ltd., with an investment of up to 1.55 billion yuan [2][6] - The capital increase has been approved by the bank's board of directors and is classified as a related party transaction [3][6] - The final amount of the capital increase is subject to approval by regulatory authorities [5][6] Group 2 - The capital increase aims to enhance the capital strength and risk resistance capability of Changyin 58, promoting its sustainable development [6][15] - The transaction does not constitute a major asset restructuring as defined by relevant regulations [4][7] - The bank has not engaged in any joint investment transactions with related parties in the past 12 months [5][9] Group 3 - Changyin 58 was established on January 16, 2017, with a registered capital of 1.124 billion yuan and operates under the approval of the National Financial Regulatory Authority [10] - As of September 30, 2025, Changyin 58 reported total assets of 34.655 billion yuan and net assets of 3.603 billion yuan [11] - The capital increase price is set at 1.8877 yuan per share based on an evaluation conducted by Beijing Zhuoxin Dahua Asset Appraisal Co., Ltd. [13] Group 4 - The bank will sign a capital increase agreement with Changyin 58 after completing necessary approval procedures [14] - The transaction is structured to ensure fairness and transparency, with no adverse impact on the bank's financial condition or shareholder interests [15][16] - The capital increase will be submitted for approval at the bank's upcoming shareholders' meeting [5][16]

股票频道更多独家策划、专家专栏，免费查阅>> 责任编辑：山上 格隆汇12月15日丨通程控股(000419.SZ)公布，湖南长银五八消费金融股份有限公司（以下简称"长银消 金""标的公司"）为公司参股子公司，公司持有其16.91%的股份，北京城市网邻信息技术有限公司（以 下简称"北京网邻"）持有其26.43%的股份，长沙银行股份有限公司（以下简称"长沙银行""交易对方"） 持有其56.66%的股份，长沙银行为长银消金控股股东。长银消金为进一步提升资本实力、增强其风险 抵御能力，为其持续稳健经营创造条件，拟实施2025年增资扩股。本次增资总金额不超过人民币 155,000.00万元，股份总数最终以股东实际认购的股份数为准。 截至2025年6月30日，长银消金全体股东的权益价值为212,118.79万元，折合每股1.8877元。长沙银行拟 按照上述评估价格对长银消金增资155,000.00万元，认购其新增的注册资本82,110.50万元。公司及北京 网邻均不参与此次增资。 ...

Group 1 - The core point of the announcement is that Tongcheng Holdings plans to transfer its 11,400,000 shares in Changyin Consumer Finance to Changsha Bank for a total of approximately RMB 215.20 million at a price of RMB 1.8877 per share, while not participating in the upcoming capital increase of up to RMB 1.55 billion [1] - Tongcheng Holdings holds a 16.91% stake in Changyin Consumer Finance, with Beijing Wanglin holding 26.43% and Changsha Bank holding 56.66%, making it the controlling shareholder [1] - The revenue composition of Tongcheng Holdings for the first half of 2025 is reported as 84.9% from commerce, 8.14% from other businesses, and 6.96% from tourism services [1] Group 2 - As of the report, the market capitalization of Tongcheng Holdings is approximately RMB 3.3 billion [2]

通程控股公告，公司拟将持有的湖南长银五八消费金融股份有限公司1.14亿股股份转让给长沙银行，转 让价格为每股人民币1.89元，转让金额总计为2.15亿元。本次股权转让完成后，公司持有长银消金的股 份总数由1.9亿股变更为7600万股，持股比例为3.91%。 ...

此前，哈银消金在年报中披露，报告期内，董事长周杰辞任，在新任董事长就任前，由董事谢云立代为 履行董事长职权。 （原标题：哈尔滨银行首席风险官孙升学履新，掌舵哈银消金） 21世纪经济报道记者 边万莉 哈尔滨哈银消费金融（以下简称"哈银消金"）迎来新董事长。企查查显 示，哈银消金法定代表人变更为孙升学，并任董事长、董事。 孙升学自2015年加入哈尔滨银行，任信用卡中心高级经理、见习助理；2018年1月至2020年1月，移动金 融部副总经理（主持工作）；2020年1月至2022年3月任小微金融部（小额信贷研发中心）总经理兼移动 金融部总经理。2022年2月，先后担任理债事业部常务副总裁、理债业务总部常务副总裁。2023年7月， 孙升学升任哈尔滨银行首席风险官，并于同年11月兼任大连分行行长。 加入哈尔滨银行之前，孙升学长期在民生银行任职。2006年7月至2013年6月先后担任总行信用卡中心授 信评审部信审员、评审四室副经理、华南信审室副经理（主持工作）、北京信审室副经理（主持工 作）、北京信审室经理；2006年7月至2013年6月先后担任总行信用卡中心授信评审部信审员、评审四室 副经理、华南信审室副经理（主持工作） ...

刚刚结束的中央经济工作会议将"坚持扩大内需，形成强大国内市场"确立为明年的首要任务。 12月12日，商务部、中国人民银行、金融监管总局发布《关于加强商务和金融协同更大力度提振消费的 通知》(以下简称《通知》)。《通知》要求，强化商务和金融系统协作，引导金融机构聚焦消费重点领 域加大支持力度，助力提振和扩大消费。 消费作为经济高质量发展的强引擎，是畅通国内大循环的关键支撑。根据媒体报道，多家银行已就金 融"促消费"作出积极回应，截至目前，某家全国性股份制商业银行个人消费信贷投放规模已超8000亿 元。 对于金融机构而言，金融"促消费"既要贴近消费者真实需求，又要守住坏账风险的底线，是个不小的考 验。 在房地产贷款受限、对公业务承压的背景下，消费金融天然具备分散风险、平滑周期的功能，其扩张既 能直接提升居民当期购买力，也能通过产业链传导带动零售、汽车、家电、文旅等行业的回暖。然而， 历史上多次消费信贷高速扩张也提醒我们，规模并不等于质量，如果投放失焦、风控松弛，很容易让信 贷资金在追逐规模中偏离真实消费，甚至催生过度负债与资产泡沫。《中国消费金融行业发展报告 (2024)》显示，银行系消费贷不良率相对更低，约1. ...

Core Viewpoint - Jinshang Consumer Finance Co., Ltd. has been designated as a defendant in a legal case, with a court ruling from Suizhong County People's Court regarding an execution amount of 20,000 yuan [1][2]. Company Information - Jinshang Consumer Finance Co., Ltd. was established in February 2016 with contributions from Jinshang Bank and other third-party shareholders, registered in Taiyuan, Shanxi Province, China [2]. - The registered capital of Jinshang Consumer Finance Co., Ltd. is 500 million yuan, with Jinshang Bank holding a 40% equity stake [2]. - As of June 30, 2025, the paid-in capital of Jinshang Consumer Finance Co., Ltd. is also 500 million yuan [2].

履历显示，孙升学来自母行哈尔滨银行，自2023年7月起担任首席风险官、2023年11月起兼任大连分行行长，目前仍在履行行长助理任职资格核准流程。 2015年-2023年先后在哈尔滨银行信用卡中心、移动金融部、小微金融部等岗位任职。在加入哈尔滨银行前，孙升学曾任职于民生银行信用卡中心多个岗 位，十年深耕积累了扎实的零售信贷经验。 早在10月下旬，哈尔滨银行行长助理、首席风险官、大连分行行长孙升学拟兼任哈银消金董事长的消息便已传出。黑龙江金融监管局于近日核准其相关任职 资格，此次人事调整被市场解读为公司战略重启的重要信号。 国家企业信用信息公示系统最新信息显示，哈尔滨哈银消费金融有限责任公司（下称哈银消金）已完成工商变更，孙升学正式接任法定代表人、董事长，同 时财务负责人由刘艳君变更为孙道权。 | 序号 | 合作机构名称 | | --- | --- | | 1 | 百融云创科技股份有限公司 | | 2 | 北京互金新融科技有限公司 | | 3 | 北京焕然数字科技有限公司 | | 4 | 北京口袋时尚科技有限公司 | | રે | 北京微财科技有限公司 | | 6 | 重庆度小满信息技术有限公司 | 根据哈尔滨银 ...

Core Viewpoint - The issuance of a 6 billion yuan consumer installment ABS by Guolian Securities and Du Xiaoman highlights the complexities and risks associated with the consumer finance market, particularly in the context of asset-backed securities [1][3]. Group 1: Asset-Backed Securities Overview - The ABS plan involves a total issuance amount of 6 billion yuan, with the original rights holder being Chongqing Du Xiaoman Microfinance Co., Ltd. and the plan manager being Guolian Securities Asset Management Co., Ltd. [5] - Consumer installment financing allows banks and non-bank financial institutions to provide upfront capital for retail consumers, which is later securitized and sold to institutional investors, thereby expanding consumer credit supply and reducing on-balance-sheet pressure [3][4]. Group 2: Risks and Concerns - Rapid expansion in consumer finance can lead to potential default and liquidity risks, especially if the underlying assets are not of high quality or if the cash flow stability is questionable [3][4]. - There are concerns regarding the quality of the underlying receivables, questioning whether they are based on high-quality consumer profiles or merely driven by promotional activities [4][6]. - The potential for concentrated repayment pressure exists, where macroeconomic downturns could lead to widespread defaults, impacting the recovery of asset-backed plans and investor interests [8]. Group 3: Regulatory and Market Dynamics - The relationship between consumer finance expansion and financial deleveraging is complex, with regulatory measures needing to keep pace with market innovations to prevent disorderly growth [6]. - The need for enhanced transparency in information disclosure for ABS is emphasized, ensuring that the characteristics of underlying assets, including their repayment history and collection capabilities, are clearly communicated [8]. - Encouraging long-term investors and managing risks through capital requirements for non-standard and scenario-based loans are suggested strategies to mitigate potential systemic vulnerabilities [8].