Group 1 - The core message of the article highlights significant changes in the consumer finance sector, including personnel adjustments and capital increases, signaling a shift towards compliance and high-quality development in response to regulatory guidance [1][8] - A new round of national subsidies has been initiated, with a joint notice from the Ministry of Commerce, the People's Bank of China, and the financial regulatory authority aimed at boosting consumer spending [1][8] - Multiple consumer finance companies have received approvals for amendments to their articles of association, high-level appointments, and capital increases, indicating a proactive approach to regulatory compliance and governance [1][8] Group 2 - Several institutions have undergone significant executive changes, with a focus on new leadership to adapt to market conditions [2][4] - The restructuring of Tianjin JD Consumer Finance Co., Ltd. has attracted attention, with a new chairman appointed from JD Group, marking the completion of a year-long restructuring process [2][9] - In the past month, two other licensed "bank-affiliated" consumer finance companies have also seen changes in their chairmanship, reflecting a broader trend of leadership turnover in the industry [3][10] Group 3 - Over half of the 31 consumer finance companies have made changes to their core management teams, including chairpersons and general managers, as part of a significant personnel overhaul [4][12] - The changes are seen as a necessary response to the industry's transition and a strategic move to optimize governance structures amid declining growth opportunities [12] - The consumer finance landscape is being reshaped not only at the personnel level but also through capital increases among leading institutions [12] Group 4 - Recent capital increases include a 150 million yuan rise in the registered capital of Beiyin Consumer Finance, bringing it to 1 billion yuan, meeting regulatory requirements [5][13] - Nanyin Fababa Consumer Finance has also completed a substantial capital increase, raising its registered capital from 5.215 billion yuan to 6 billion yuan, positioning it as the fourth largest in the industry [6][13] - Ongoing capital increases are evident, with Changsha Bank planning to inject up to 1.55 billion yuan into Changyin 58 Consumer Finance to enhance its capital base and risk resilience [6][13] Group 5 - The consumer finance industry is rapidly advancing towards a new phase focused on quality improvement and efficiency, driven by both leadership changes and capital injections [7][14]

岁末年初，消费金融领域动向频频。政策端，新一轮"国补"开启，商务部、中国人民银行、金融监管总 局联合印发的《关于加强商务和金融协同 更大力度提振消费的通知》指引新一年金融促消费发展方 向；机构端，增资、人事、合规多线并行，行业转型加速推进。 《金融时报》记者注意到，国家金融监督管理总局北京、天津、宁波、重庆、上海、黑龙江、江苏等地 监管局集中公开了一批涉及多家消费金融公司的章程修改、高管任命、行政处罚、股权结构调整、注册 资本增加等批复事项。 根据批复信息，建信消费金融有限公司、平安消费金融有限公司、马上消费金融股份有限公司、中银消 费金融有限公司、中信消费金融有限公司均获批完成了公司章程的修订，展现出行业紧跟监管导向、聚 焦合规治理、迈向高质量发展的积极态势。 另外，在人事调整方面，多家机构密集进行高管任免，展现出新人新貌。 2025年完成重组、更名的天津京东消费金融有限公司（以下简称"京东消金"），高管变动一事备受业内 关注。 企查查信息显示，京东消金近日发生多笔涉及高级管理人员、经营范围、经营场所的工商变更。原捷信 方负责人Vladimir Nyc卸任董事长，由京东集团副总裁、京东科技金融科技事业群总裁 ...

Core Insights - The article highlights the increasing regulatory scrutiny in the consumer finance industry, particularly focusing on the management of cooperative institutions, which has become a frequent issue leading to administrative penalties [1][2][4]. Group 1: Regulatory Actions - In 2025, seven consumer finance companies received penalties from the financial regulatory authority for inadequate management of cooperative institutions, with a total fine amounting to 5.6 million yuan [2]. - Notable penalties include Beijing Sunshine Consumer Finance fined 1.4 million yuan for multiple violations related to cooperative management, and Xiamen Jinmeixin Consumer Finance fined 1.2 million yuan for third-party management issues [2][3]. Group 2: Industry Challenges - The consumer finance sector faces challenges such as aggressive competition and the need for compliance, with some institutions lowering entry barriers and collaborating with platforms associated with negative practices [4][6]. - Issues like outsourcing collection processes have led to consumer rights violations, resulting in increased complaints and reputational damage for institutions [4]. Group 3: Compliance and Transformation - Strengthening cooperative institution management is deemed essential for the sustainable development of the consumer finance industry, with a focus on balancing scale and compliance [4][6]. - The introduction of the "Consumer Finance Company Regulatory Rating Measures" in late 2024 emphasizes the importance of cooperative institution management in regulatory assessments, linking it to business entry and resource allocation [4][5]. - Companies are increasingly disclosing their cooperative lending platform lists, with an average of 21.66 platforms per company, reflecting a proactive approach to regulatory compliance [5][6].

Core Viewpoint - The importance of compliance for the stable development of financial institutions has become increasingly prominent under the backdrop of stringent regulation and risk prevention. The "Compliance Management Measures for Financial Institutions" will take effect on March 1, 2025, emphasizing the establishment of a compliance culture starting from the top management and involving all employees [1] Group 1: Compliance Officer Appointment - A one-year transition period has been set for financial institutions to comply with the new regulations, with many non-bank institutions already appointing Chief Compliance Officers (CCOs) [1] - As of now, various financial institutions such as trust companies, financial leasing firms, and consumer finance companies have initiated the appointment of CCOs, with regulatory approvals accelerating [1] - The first CCO in the financial leasing industry post-regulation is Ma Chi from Kunlun Financial Leasing, approved by the Financial Regulatory Bureau at the end of December 2024 [2] Group 2: Trust Companies and Financial Companies - Several trust companies have successfully appointed CCOs, including Lujiazui Trust and Shanxi Trust, with approvals from local regulatory authorities [3] - The trend of appointing CCOs is also evident in corporate financial companies, with multiple firms like Anhui Jiaokong Financial Company and others across key sectors such as energy and transportation establishing CCO positions [4] Group 3: Compliance Management Framework - In 2025, financial regulatory authorities have issued various management measures and guidelines aimed at clarifying business boundaries and reinforcing accountability, thereby establishing a structured compliance management framework [5] - The regulatory environment for non-bank institutions in 2025 is characterized by a dual focus on "system improvement and enforcement enhancement," shifting compliance management from mere formal compliance to substantive compliance [6] Group 4: Industry-Specific Compliance Practices - Different non-bank institutions are exploring compliance practices tailored to their specific regulatory requirements, such as trust companies enhancing management in areas like related transactions and fund flows [7] - Consumer finance companies are focusing on consumer rights protection through mechanisms like a "white list" of partner institutions and AI-driven fraud prevention systems [7] - Financial leasing companies are strengthening their compliance measures in project due diligence and asset management to prevent issues like false leasing [7]

2026年1月4日，金融监管总局北京监管局下发的批复公告显示，以北京银行为第一大股东的北银消费金 融获批增加注册资本1.5亿元，注册资本由8.5亿元变更为10亿元，成为2026年第一家获批增资的消费金 融公司。 增资动作密集落地银行系机构成主力 2025年12月15日，长沙银行发布公告称，拟以自有资金向控股子公司湖南长银五八消费金融增资不超过 15.5亿元，最终出资金额将以监管部门核准结果为准。长沙银行在公告中明确表示，此次增资将进一步 充实长银五八消费金融的资本实力，增强其风险抵御能力，为持续稳健经营筑牢基础。 公开资料显示，长银五八消费金融成立于2017年1月，是湖南首家经原中国银监会（现国家金融监督管 理总局）批准设立的持牌消费金融公司，由长沙银行、北京城市网邻信息技术有限公司、长沙通程控股 股份有限公司共同发起设立。 梳理其发展历程可见，这家公司的资本补充节奏始终与行业监管导向同频共振。2017年开业时，其初始 注册资本为3亿元；2019年首次增资后增至9亿元；2024年3月修订后的《消费金融公司管理办法》发 布，明确注册资本最低限额提升至10亿元，长银五八消费金融随即成为行业内首家披露增资计划的机 ...

来源：新经济观察团 岁末年初，部分金融机构和助贷公司开始发力获客。近日，新经济观察团小编在微信APP内频繁刷到了 陕西长银消费金融有限公司（以下简称"长银消金"）的信息流广告。广告内容显示，"我借到了98000， 再也不欠人情债了"，最高可借20万，七天免息券，年化利率（单利）5%-23.95%。新经济观察团小编 就此展开了实际测试，发现该公司的自营产品合规度较高，但信披透明度和用户使用体验有待提高。 小编点击该广告，进入长银消金官方小程序，显示产品为"畅开花"。点击借款后，首先要提交个人身份 证信息。 令小编意外的是，跟大部分我们体验过的平台不同，长银消金平台在用户提交身份信息之前，下方的 《综合授权书》、《数字证书授权使用协议》、《敏感个人信息授权书》等与个人隐私密切相关的协议 居然均无法查看。只有在提交信息之后，小编才终于看到了这三份协议。 而《个人信息保护法》第十四条明确规定，"基于个人同意处理个人信息的，该同意应当由个人在充分 知情的前提下自愿、明确作出。法律、行政法规规定处理个人信息应当取得个人单独同意或者书面同意 的，从其规定。" 在《综合授权书》内，实际嵌套了两份个人信息授权书，以及央行的金融 ...

值得一提的是，公司通过使用多模态大模型，提升了意图识别和风险判定的精度，能精准捕捉"还款困难"等语义特征。另外智能预警模型使早期风险识别效 率提升10%，为信贷业务安全、稳定开展提供了坚实保障。 今年，海尔消金"特征英雄"活动共吸引32名员工踊跃参与，从海量数据里挖掘出了2023个高质量特征！这可不是小数目——相当于给风控系统，添了2023 个"新武器"、"新视角"和"新战场"。 （2025年度特征英雄大赛颁奖仪式，图片来源：海尔消费金融） 本届"特征英雄"大赛一等奖获得者来自风险管理中心，其聚焦创新信息维度，一方面通过采用大模型来替代人工对语音数据做批量处理，提取有效信息用于 信贷模型研发，助力信贷风控策略有效施行，进一步降低信用风险；另一方面充分挖掘信贷场景中时序特征的潜在价值，突破传统"静态快照"局限，利用 RNN、Transformer等序列模型解析用户信息时序数据，精准识别"以贷养贷"行为，阻断风险传导。 近日，海尔消费金融有限公司（以下简称"海尔消金"）2025年"特征英雄"活动圆满收官。据海尔消金风控管理中心相关负责人介绍，"特征英雄"活动旨在激 发公司全员坚持数据科学驱动的价值理念，深度挖掘金 ...

Core Viewpoint - The "2025 People's Finance Forum" highlighted the importance of digital finance innovation, with Zhaolian Consumer Finance Co., Ltd. recognized for its AI-driven initiatives in the financial sector [1][3]. Group 1: Digital Finance Innovation - The forum focused on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, collecting innovative case studies from across society [3]. - Zhaolian's project, "Constructing an AI Intelligent Ecosystem to Lead Industry Digital Transformation," was selected as a notable case, showcasing its commitment to digital finance and its impact on the real economy [3][4]. Group 2: AI Applications and Consumer Protection - Zhaolian launched the industry's first open-source large model, "Zhaolian Zhilu," which has undergone two iterations, enhancing its ability to handle complex business scenarios [4]. - The "Zhaolian Zhilu Consumer Protection Intelligent System" has been developed to proactively address consumer issues, achieving a 90% first-time resolution rate for over 60 scenarios [4][5]. Group 3: Self-Service Innovations - Zhaolian has created a digital self-service system characterized by "confidence" and "self-healing" services, allowing real-time interaction with customers and dynamic adjustments to products and services [5]. - The "confidence" service has enabled over 15 million customers to complete self-service authentication and approval, while the "self-healing" service has supported over 200,000 customers with personalized repayment solutions [5]. Group 4: Social Responsibility and Traditional Industry Empowerment - Zhaolian is extending its technological innovations into the traditional Chinese medicine sector, developing the "Zhongsi" model to enhance diagnostic efficiency and support healthcare in underserved areas [6]. - The initiative aims to alleviate healthcare resource shortages in third- and fourth-tier cities, demonstrating Zhaolian's commitment to social responsibility and innovation in traditional industries [6].

批复显示，北银消金应按照有关规定及时办理变更事宜，同时你公司应加强股权管理，严格控制股东关 联交易，完善公司治理与内部控制机制，防范和化解风险。 1月4日，国家金融监督管理总局北京监管局发布批复，同意北银消费金融有限公司增加注册资本1.5亿 元人民币，注册资本由8.5亿元人民币变更为10亿元人民币。 ...

1月4日金融一线消息，重庆金融监管局发布关于王彦敏重庆蚂蚁消费金融有限公司董事会秘书任职资格 的批复，核准王彦敏重庆蚂蚁消费金融有限公司董事会秘书的任职资格。 公开资料显示，王彦敏于2024年11月经国家金融监督管理总局重庆监管局核准，担任重庆蚂蚁消费金融 有限公司首席合规官。 责任编辑：曹睿潼 责任编辑：曹睿潼 1月4日金融一线消息，重庆金融监管局发布关于王彦敏重庆蚂蚁消费金融有限公司董事会秘书任职资格 的批复，核准王彦敏重庆蚂蚁消费金融有限公司董事会秘书的任职资格。 公开资料显示，王彦敏于2024年11月经国家金融监督管理总局重庆监管局核准，担任重庆蚂蚁消费金融 有限公司首席合规官。 ...