据媒体报道，近日，监管部门针对消费金融公司发调查问卷，摸查"24%+会员权益"产品的运作情况， 包括消金公司自主提供权益服务情况、合作助贷平台提供会员权益服务情况及影响分析、存在的问题分 析等。此次监管摸查，有机构人士将其解读为"监管意图敲打权益类业务的意味，让大家不要做得太过 火"；亦有机构认为，市场还存在博弈，更为关注监管这次摸查后会如何定调。 开甲财经注意到，在监管摸查消费金融公司之外，有助贷平台以会员制电商平台之名，开展现金借款、 消费分期业务。例如，近日有多位网友在黑猫投诉（新浪旗下消费者服务平台）反映，很多用户为了借 款不小心开通了1000元/年的AI会员，最后钱没借到却被分期扣会员费。 小编下载爱用商城APP，在完成实名认证（上传身份证、银行卡、短信验证）、人脸识别，以及工作信 息（公司名及地址、联系电话）、常用联系人等流程后，很快就获得"凯利金"6800元额度。在获得额度 之前，小编绑定的银行卡-工商银行发来短信提示，您已与"宝付"签订快捷支付协议。 小编尝试去申请借款，页面跳转进入"会员权益说明"页面显示，爱用商城AI年卡会员为1000元/年，支 付方式为包年分期付（先享后付），分期期数为3 ...

Core Viewpoint - China Post Consumer Finance is leveraging technology to create a more inclusive financial future, as demonstrated by the launch of the upgraded "China Post Wallet APP 3.0" [1][3] Group 1: Product and Service Innovations - The upgraded China Post Wallet APP 3.0 features a revamped user interface, streamlined loan processes reduced to three steps, and simplified financial terminology to enhance user experience and lower barriers to use [3] - New features such as YO+ credit score and "Credit Compass" utilize multi-dimensional data modeling to provide personalized financial services, helping users identify hidden risks and support their credit growth [3][4] - The company has developed over a hundred application systems with a self-research ratio exceeding 90%, and has filed 146 invention patents, of which 101 have been authorized [4] Group 2: Technological Advancements - The company has introduced AI technologies, including the large model "Youyuanjian" and virtual digital assistant "Youxiaobao," to enhance customer service, risk assessment, and marketing operations [4] - The implementation of cloud computing, microservices, big data, and AI has enabled the company to build agile business iteration capabilities and establish four core competencies: intelligent customer acquisition, refined risk management, systematic asset preservation, and smart customer service [4] Group 3: Strategic Vision - The chairman emphasized the company's commitment to providing high-quality and convenient financial services in alignment with national policy directives since its establishment in 2015 [3] - The focus on technological innovation is seen as a key driver for high-quality development in the financial industry, with ongoing efforts to deepen the application of intelligent technologies [4]

Core Viewpoint - Ant Group's consumer finance subsidiary, Chongqing Ant Consumer Finance Co., Ltd., has issued its first financial bond since its establishment in 2021, with a scale of 2 billion yuan and a fixed interest rate of 1.7%-2.4% for a three-year term [2][7]. Group 1: Bond Issuance Details - The bond issuance was recorded on August 4, 2023, with a total scale of 2 billion yuan and a maturity of three years [2]. - Huatai Securities acted as the book manager for this bond issuance [5]. - The bond and issuer received a AAA credit rating from United Ratings [6]. Group 2: Financial Performance - In 2024, Ant Consumer Finance reported an operating income of 15.213 billion yuan, a year-on-year increase of 76.3%, and a net profit of 3.051 billion yuan, up 1907.24% [9]. - Total assets reached 313.751 billion yuan, reflecting a year-on-year growth of 30.91% [9]. Group 3: Loan Quality and Risk - Ant Consumer Finance's non-performing loan (NPL) ratios for 2022-2024 were 1.69%, 1.74%, and 1.78%, respectively, indicating a continuous increase over the years [16]. - As of the end of 2024, the credit scale was 301.467 billion yuan, with a non-performing loan balance of 5.52 billion yuan [17]. - The company maintains a loan structure characterized by small and dispersed loans, with over 97% of loans having a term of 12 months or less [19].

Core Viewpoint - The market for "ultra-short aging" personal loan non-performing asset packages is becoming increasingly active, with many financial institutions opting to quickly write off and transfer these assets without extensive collection efforts [1][8][11]. Group 1: Non-Performing Loan Information - Recently, China Bank Consumer Finance listed a batch of personal loan non-performing asset packages with a weighted average overdue period of only 93 days, all marked as "written off" and "not in litigation" [2][7]. - The total unpaid principal amount for these assets is approximately 22.46 billion yuan, with 296 asset cases involved [3]. - The average unpaid principal balance per borrower is about 81,164.35 yuan, and the average borrower age is 41.88 years [3]. Group 2: Market Trends - Since 2024, many consumer finance companies have adjusted their classification of non-performing loans to include those overdue for 90 days or more, leading to a rise in the volume of short-term non-performing assets [7][9]. - The average discount rate for personal loan non-performing asset packages has significantly decreased, with the average recovery rate dropping from 32.9% in Q1 2021 to 6.9% in Q1 2025 [10][11]. - The total transaction volume for personal non-performing loans reached 158.35 billion yuan in 2024, a 64% increase year-on-year, indicating a growing trend towards short-term asset packages [15]. Group 3: Regulatory Environment and Market Dynamics - Regulatory pressures have increased the difficulty of debt collection, prompting banks to expedite the disposal of non-performing assets to improve their financial statements [11][12]. - Local Asset Management Companies (AMCs) have gained significant market share in acquiring personal non-performing assets, supported by favorable regulations [21][22]. - The market is witnessing a shift as major players like JD Group are entering the personal loan market, aiming to create a complete cycle from customer acquisition to loan disposal [23][24]. Group 4: Efficiency Improvements - The recent announcement from the registration center allows for a reduction in the announcement period for non-performing asset transfers from 10 working days to 5, aimed at enhancing market efficiency [26].

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]

Core Viewpoint - The article emphasizes the role of technology in enhancing financial services and social responsibility, showcasing how digital finance can empower individuals and improve their lives through innovative solutions [1][3][20]. Group 1: ESG and Financial Innovation - 2024 is a pivotal year for ESG standardization in China, with new guidelines issued by the Ministry of Finance and other departments to enhance corporate sustainability disclosures [3]. - The central financial work conference highlights the importance of financial services in supporting high-quality economic and social development, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [3]. - The chairman of the company asserts the commitment to integrating stable business operations with long-term social responsibility, aiming to enhance inclusive financial service efficiency through technological innovation [3][5]. Group 2: Technological Advancements - The company has invested a total of 4.79 billion yuan in research and development, leading to over 100 domestic and international standards being established [5]. - The company ranks seventh globally in patent innovation in the financial model sector, showcasing its technological prowess alongside top global financial institutions [6][5]. - The introduction of the "Tianjing" retail financial model has evolved to version 3.0, enhancing risk control capabilities through over 2,000 risk control data models [7]. Group 3: Social Impact Initiatives - The "Fuhuiyang" smart farming project has significantly improved management efficiency for farmers, increasing chicken output rates by 3% and reducing overall breeding costs by over 15% [9]. - The emotional support robot "Peipei" has been deployed in welfare institutions, providing companionship and addressing the needs of the elderly through advanced AI technology [12][14]. - The "Yili Job" platform has connected over 317,000 new citizens with job opportunities, demonstrating the company's commitment to social welfare and employment support [14]. Group 4: Environmental Responsibility - The company has implemented a carbon reduction strategy, achieving a reduction of 259.05 million tons of carbon emissions, equivalent to the annual CO2 absorption of approximately 1.439 billion mature trees [15]. - The "Mǎshàng Lǜzhōu" platform has attracted over 4.09 million users to open personal carbon accounts, promoting a low-carbon ecosystem [16]. Group 5: Security and Consumer Protection - The company has established a comprehensive risk management framework to address challenges in financial security, including the formation of the AIF alliance to combat financial crime [18]. - A robust consumer protection system has been integrated into the company's governance structure, ensuring comprehensive rights protection for over 200 million users [19].

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， ...