8月21日，乐信(LX)盘中上涨2.08%，截至01:19，报6.39美元/股，成交1224.87万美元，总市值10.75亿美 元。 财务数据显示，截至2025年06月30日，乐信收入总额66.92亿人民币，同比减少2.78%；归母净利润9.42 亿人民币，同比增长119.95%。 本文源自：金融界 作者：行情君 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。 ...

近一段时间，消费金融行业新动向不断。 从政策层面来看，《个人消费贷款财政贴息政策实施方案》（以下简称《实施方案》）的公布备受市场 瞩目。其中，有4家持牌的消费金融公司纳入个人消费贷贴息经办机构，分别是重庆蚂蚁消费金融有限 公司、招联消费金融股份有限公司、兴业消费金融股份公司以及中银消费金融有限公司（以下简称"中 银消金"）。 "将4家头部消费金融公司纳入首批贴息金融机构名单，是《实施方案》的一大亮点，将更好地发挥消费 金融公司扁平灵活、触达深入等专业优势。"招联首席研究员、上海金融与发展实验室副主任董希淼 说。 是否已有具体的操作细则或时间安排？ "目前，具体的方案和落地时间都还没有敲定。我们正全面梳理相关政策，稳步推进各项工作，并持续 与当地监管部门保持密切沟通。""相关部门正抓紧研究准备。"上述消费金融公司人士回应记者问询时 说。 除了政策层面的利好，消费金融公司自身的调整变化也同样引人关注。 作为此次入围的四家消费金融公司之一，中银消金的股权结构近日发生重大变动。 8月19日，国家金融监督管理总局上海监管局公开一则行政许可，同意中国银行股份有限公司受让深圳 市博德创新投资有限公司持有的中银消金3.558 ...

Core Viewpoint - Lufax Holdings (陆金所) has received an upgrade in its ESG rating from MSCI from A to AA, highlighting its significant performance in consumer rights protection and leading positions in privacy, data security, and human capital development within the industry [1] Group 1: Consumer Protection and Business Background - Lufax was established in 2011 as a subsidiary of Ping An, initially focusing on online wealth management and later entering the P2P lending market in 2012 [2] - The company quickly became a benchmark in the online lending industry, with transaction volumes surpassing one trillion yuan, second only to Ant Financial [2][4] - In 2014, Lufax's revenue surged from 1 billion yuan to 5 billion yuan, and by 2015, it had over 10 million registered users, solidifying its position as a leader in P2P lending [4][5] Group 2: Challenges and Consumer Complaints - Following the P2P lending crackdown in 2019, Lufax underwent significant restructuring, completing the exit from P2P by mid-2021 and shifting towards compliant lending practices [6] - Despite its successful transition, Lufax still faces challenges in consumer protection, with numerous complaints reported regarding high fees and customer harassment [7][10] Group 3: Financial Performance and Reporting Issues - As of June 30, 2025, Lufax's total outstanding loans decreased to 193.4 billion yuan, a 17.8% decline from the previous year, while consumer finance loans increased by 29.8% to 54.5 billion yuan [10] - The company is currently facing difficulties in reporting its annual results, having suspended trading on the Hong Kong Stock Exchange and delaying its annual report due to the dismissal of its auditor, PwC [12][14] Group 4: Management Changes - Frequent personnel changes have occurred since 2024, including the resignation of the CFO and other key executives, indicating a significant organizational restructuring [19][21] - The management adjustments are seen as a response to internal control needs and risk management, reflecting Ping An's intent to strengthen oversight of Lufax [21][22]

批复表示，中银消费金融应严格遵照有关法律法规完成上述股权变更事宜。该公司应加强股权管理，进 一步优化股权结构，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。 经济观察网 8月19日，国家金融监管管理总局发布关于中银消费金融有限公司变更股权的批复。同意中 国银行（601988）股份有限公司受让深圳市博德创新投资有限公司持有的该公司3.558%股权及北京红 杉盛远管理咨询有限公司持有的该公司1.617%股权。受让后，中国银行股份有限公司合计持有中银消 费金融47.98%股权。 ...

其中，同业协作、联防联治的力量不容小觑。7月末，在上海的3家消费金融公司——尚诚消金、中银消 金和平安消金联合举办了2025年上海消费金融行业消费者权益保护联席会议，提升消保内控合规，深化 信息共享与协同共治，合力打击"黑灰产"，健全消保联动工作机制。 金融消费者权益保护绝非监管部门或是从业机构的"独角戏"，而应形成监管引导、机构主责、社会协同 以及消费者参与的共治格局。 消费金融机构作为金融服务的直接提供者，必须将消费者权益保护嵌入管理的全流程。从产品设计时的 合规审查，到服务过程中的信息透明，再到纠纷处理时的高效响应，每一环节都需坚守"以消费者为中 心"的底线。在业务办理环节，须严格履行告知义务，向消费者清晰说明贷款额度、利率、还款方式及 逾期后果等关键信息，杜绝误导性宣传或强制捆绑销售。在贷后管理中，要规范催收行为，杜绝暴力催 收、骚扰式催收等侵害消费者权益的做法，同时建立高效的投诉处理机制，及时回应并解决消费者的合 理诉求。 近期，宁夏回族自治区地方金融管理局集中取消7家助贷机构的涉金融事项经营资质，消费金融公司密 集披露助贷合作机构的详细名单……密集的监管动作与机构表态，释放出坚决整治消费金融领域乱 ...

| 序号 | 管销获客合作机构名称 | | --- | --- | | 1 | 深圳智领皓海科技有限公司 | | 2 | 度小满科技(北京)有限公司 | | 3 | 平安融易(江苏)融资担保有限公司 | | 4 | 马上消费金融股份有限公司 | | 5 | 上海数禾信息科技有限公司 | | 6 | 蚂蚁智信(杭州)信息技术有限公司 | | 7 | 辽宁自贸试验区(营口片区)桔子数字科技有限公司 | | 8 | 重庆两心金诚科技有限公司(助贷) | | 9 | 重庆美团三快小额贷款有限公司(联合贷) | | 10 | 上海两心科技有限公司 | | 11 | 上海晓途网络科技有限公司 | | 12 | 深圳市陆金互联网信息服务有限公司 | | 13 | 北京微财科技有限公司 | | 14 | 上海维信荟智金融科技有限公司 | | ાર | 深圳市小赢普惠科技有限责任公司 | | 16 | 北京互金新融科技有限公司 | | 17 | 北京锋泰科技有限公司 | | 序号 | 营销获客合作机构名称 | | --- | --- | | 1 | 深圳智领皓海科技有限公司 | | 2 | 度小满科技(北京)有限公司 | | ...

Core Viewpoint - The article discusses the challenges of boosting consumer spending in the context of debt deleveraging, suggesting that the consumer loan interest subsidy policy may not be sufficient on its own and that a multi-faceted approach is necessary to achieve desired outcomes [1][5]. Summary by Sections Consumer Loan Interest Subsidy Policy - On August 12, the Ministry of Finance and other departments issued the implementation plan for the personal consumer loan interest subsidy policy, which aims to reduce financing costs in the consumer sector [2]. - This policy represents a shift in fiscal policy towards more direct support for households and individuals, including initiatives like cash subsidies for childcare [2]. - The subsidy is limited in scope and should not be overinterpreted as a replacement for other consumer incentives, such as trade-in subsidies [2][3]. Relationship Between Consumer Loans and Spending - The relationship between consumer loans and retail consumption growth is complex, with evidence suggesting that increased consumer loans do not necessarily lead to higher consumption levels [3]. - Despite a significant reduction in average consumer loan interest rates from 6% to 3% since 2022, the growth rate of household consumer loans has declined [3]. Impact on Financial Institutions - The subsidy policy allows for a maximum interest reduction of 1 percentage point, potentially lowering consumer loan rates to 2% [4]. - This creates a competitive advantage for major banks and leading consumer finance companies, while smaller local banks may face challenges due to the lack of coverage under the policy [4]. - The policy is part of a broader set of measures aimed at stimulating consumption, including significant funds allocated for service consumption and other subsidies [4].

作者：行情君 财务数据显示，截至2025年06月30日，趣店收入总额2927.9万人民币，同比减少73.18%；归母净利润 4.62亿人民币，同比增长1664.4%。 资料显示，趣店公司(NYSE:QD)是一家以消费者为导向的中国科技公司。公司曾专注于为消费者提供借 贷解决方案。目前趣店正致力于探索创新的消费产品和服务,利用公司积累的技术优势,满足中国消费者 的日常生活的基本需求。 本文源自：金融界 8月18日，趣店(QD)盘中上涨2.14%，截至21:36，报4.77美元/股，成交20.65万美元，总市值7.88亿美 元。 ...

Core Viewpoint - The focus is on enhancing the service industry in Suzhou through innovation, market demand alignment, and strong support for enterprises, particularly in the context of integrating modern service and advanced manufacturing sectors [1][2]. Group 1: Service Industry Development - Emphasis on the construction of the "1840" service industry system in Suzhou, aiming for high-quality development and new momentum injection [1]. - The need to strengthen industrial planning and seize opportunities for expanding service industry openness, particularly through the integration of productive services with manufacturing [2]. Group 2: Innovation and Market Demand - A call for innovation-driven approaches, particularly in "industry innovation + cultural creativity," to elevate the service industry along the value chain [2]. - Focus on developing various economic sectors such as emotional economy, health economy, silver economy, pet economy, and event economy to stimulate consumer spending [2]. Group 3: Support for Enterprises - Recognition of the role of Taiwanese businesses in Suzhou's development, with a commitment to optimizing service guarantees for Taiwanese investors [1]. - The importance of addressing enterprises' needs for land, labor, and financing to create a favorable ecosystem for service industry growth [2].

01 消费，需要继续加油加火！ 8月13日尾盘，央行公布7月金融数据。 新增社融11600亿元，同比增长3893亿元，低于市场一致预期的14100亿元；新增人民币贷款（金融机构口径）-500亿元，低于市场一致预期的-150亿元， 也是自2005年7月以来首次转负。 尤其是，7月新增居民贷款-4893亿元，同比少增2793亿元，新增居民短债、中长贷分别为-3827、-1100亿元，同比少增1671、1200亿元，继4月后再度呈 现"双负"状态。 居民短贷主要是个人经营性贷款、信用卡透支、消费贷款等。 所以这种低迷背后，折射出来的就是居民上杠杆消费的意愿偏弱，对当下和未来缺乏足够安全感。 高层当然早就有所准备。 7月31日，国常会部署实施个人消费贷款贴息政策与服务业经营主体贷款贴。 8月12日，三部门印发《个人消费贷款财政贴息政策实施方案》—— 9月起，个人消费贷和消费领域服务业经营贷，均将享受1个百分点财政贴息，政策暂定持续一年。 精准支持 个人消费 、 刺激 消费！ 贴息的钱，中央财政 负担 90% 、 地方扛10%。覆盖 6家国有大型商业银行、12家全国性股份制商业银行、5家其他个人消费贷款发放机构，包括 ...