欧阳日辉也表示，推动更多的公共数据向消费金融机构赋能，以公共数据开发利用引领撬动各方数据的 融合应用，有助于消费金融机构构建更精准的用户画像，提升获客和活客能力。 作为消费金融领域头部机构，招联金融参与了行业标准建立，助力AI技术安全、可靠和可持续发展， 并探索人工智能赋能传统产业领域。招联金融日前亮相第八届数字中国建设峰会，现场展示的"招联仲 思智能中医大模型"平台受到参会者关注。 （文章来源：经济日报） 兴业消费金融近年来加快发展人工智能、大数据，从流程、准入、审查到贷后全链条优化升级管理。在 数据采集层面，通过清洁取数、用户自主授权源头数据等方式，提升用户体验，进一步保障数据真实 性。同时，持续深化外部数据引入与应用，依托数字技术，构建自动化、标准化的风险识别、反欺诈和 运营体系。 今年以来，深度求索（DeepSeek）等国产大模型快速发展，给消费金融行业带来巨大机遇。记者采访 了解到，各金融机构正加快深耕普惠金融和数字金融，通过加大研发投入、充实人才队伍，不断提高金 融服务质效，推动人工智能落地更多应用场景，依托数智化技术助力实体经济高质量发展。 大模型应用于精准营销、理财顾问、贷前风控、信用评估等核 ...

Group 1 - The core viewpoint emphasizes that boosting consumption is crucial for expanding domestic demand and stabilizing growth, with financial systems influencing consumption from both demand and supply sides [1][2] - By the end of 2024, the total consumer loan balance in China is projected to reach 58.7 trillion yuan, which is 7.8 times that of the end of 2010, indicating significant growth in consumer financing [1] - The current multi-layered consumer finance service system, including banks and consumer finance companies, supports stable development in the consumption market, with innovative credit products stimulating market vitality [1][2] Group 2 - Traditional credit still holds a high proportion in financial support for consumption, while direct financing through equity and bonds remains low, necessitating the development of financial products that align with consumer demand [2] - The implementation of moderately loose monetary policy is essential for creating a favorable financial environment for consumption, with various policy tools being utilized to maintain ample liquidity [2] - The recent introduction of service consumption and elderly re-loan tools by the People's Bank of China aims to enhance service consumption supply levels, addressing the rising demand for high-quality services [2] Group 3 - Borrowing for consumption is essentially a form of advanced consumption backed by future income, and attention must be paid to consumers' repayment capabilities given the high leverage ratio among residents [3] - An increase of 1 percentage point in the income share of low- to middle-income groups could generate an additional 250 billion yuan in consumption, highlighting the importance of improving disposable income and social security levels [3]

Core Viewpoint - Henan Zhongyuan Consumer Finance Co., Ltd. released its 2024 ESG report, showcasing its achievements in corporate governance, inclusive finance, technological innovation, rural revitalization, and green finance [1] Group 1: Corporate Governance and Risk Management - The company established a modern governance system led by high-quality party building, successfully holding its first party congress and completing the election of its first committee and discipline inspection commission [2] - A comprehensive risk management system covering nine types of risks, including credit and market risks, was implemented, along with innovative smart risk control platforms [2] - The company received ISO27001 certification for information security management and was recognized as a "one-star unit" for personal information protection [2] Group 2: Inclusive Finance and Customer Service - As of December 31, 2024, the company had issued loans totaling over 398 billion yuan, with a loan balance of 39 billion yuan and serving 25 million customers [2] - The company developed an "online + offline" service model to provide small loans to new employment groups, serving 3 million new citizens and issuing loans exceeding 4.7 billion yuan [3] - Innovative repayment options, such as a "7-day no-reason repayment" policy, benefited 7.2 million users, saving over 38 million yuan in interest [3] Group 3: Rural Revitalization and Social Responsibility - The company integrated rural revitalization into its development strategy, creating a five-in-one service model that includes technology empowerment and financial services [4] - A public welfare initiative in March 2024 involved purchasing 5 tons of unsold spinach to support local communities [4] - The "Dream Bookshelf" project has established 30 locations and donated over 100,000 books to support education for underprivileged students [4] Group 4: Green Operations and Sustainability - The company achieved significant carbon reduction through digital operations, with a total reduction of 12,641.48 tons of carbon emissions [5] - Initiatives like electronic contract signing and remote meetings contributed to substantial carbon savings [5] - The company proposed the "loan cooling-off period" concept to protect consumer rights and reduce resource waste, recognized as an excellent practice in green finance [6]

Core Insights - The annual "618" e-commerce promotion is experiencing significant changes this year, with keywords such as discounts, national subsidies, consumption vouchers, and interest-free installments becoming prominent [1][2] Financial Institutions' Participation - Various financial institutions, including e-commerce lending platforms, banks, and consumer finance companies, are actively engaging in promotional activities during the "618" event, utilizing methods like payment discounts, interest-free installments, double points, and cash back [2][3] - E-commerce platforms' installment financial products are driving consumption, with examples including Ant Group's interest-free installment plans on Taobao and Tmall, and JD's nationwide interest-free upgrade activities [2][3] Consumer Finance and Credit Technology Companies - Licensed consumer finance and credit technology companies are also participating in the promotion, focusing on scenario marketing. For instance, Haier Consumer Finance offers zero down payment, zero interest, and zero fees for purchasing home appliances [3] - Research indicates that financial institutions are lowering consumer spending thresholds through installment products, providing tangible benefits rather than mere promotional gimmicks [3] Release of Consumer Vitality - The combination of national subsidies and multiple installment offers has effectively stimulated consumer spending, with data showing a 70% increase in interest-free installment orders on Taobao and Tmall compared to last year [4] - JD's data indicates that the integration of national subsidies and interest-free installments has significantly boosted transaction volumes, with average increases exceeding 2.5 times in regions like Beijing, Guangdong, and Jiangsu [4] - A survey revealed that 85% of consumers prefer using interest-free installments even when they can afford to pay in full, highlighting the effectiveness of this marketing strategy [4]

Core Viewpoint - China Post Consumer Finance Co., Ltd. has officially launched its Smart Ecosystem Blueprint during the release of the "Zhongyou Wallet APP 3.0," marking a significant step towards its transformation into a smart ecosystem [1][3]. Group 1: Strategic Initiatives - The launch of the Smart Ecosystem Blueprint signifies a new phase in the company's transformation, aimed at enhancing the quality of financial services in line with national policy directives [3]. - The company emphasizes the importance of ecological collaboration in the competitive landscape of consumer finance, focusing on deepening cooperation with its parent company, Postal Savings Bank, and other internet platforms to create a diverse ecosystem [4]. Group 2: Technological Advancements - The company has introduced the IT 3.0 plan, which focuses on four key goals: intelligent business innovation, integration of cutting-edge technologies, optimization of end-to-end intelligent operations, and agile support through resilient architecture [5]. - Insights from industry and academic experts during the event highlighted the critical role of credit data and advanced technologies like cloud computing, big data, and artificial intelligence in driving the digital transformation of the consumer finance sector [5]. Group 3: Future Directions - The company aims to continue enhancing ecological collaboration and building the "Zhongyou Consumer Finance+" ecosystem, with a commitment to providing high-quality and convenient financial services to consumers [5].

Core Viewpoint - The article emphasizes the importance of enhancing financial consumer awareness and self-protection capabilities to effectively prevent and address illegal fundraising activities, thereby safeguarding public interests and promoting a healthy financial consumption environment [1] Group 1: Event Overview - On June 17, Haier Consumer Finance conducted a community outreach event themed "Protecting the Wallet, Safeguarding the Happy Home" to promote financial knowledge and raise awareness about illegal financial activities [1] - The event featured a booth focused on preventing illegal fundraising and included engaging quiz activities targeting high-risk areas such as private financing, intermediaries, elderly care, agriculture, and cultural tourism [4] Group 2: Educational Approach - Haier Consumer Finance utilized interactive games to explain common illegal financial activities and their dangers, making financial education accessible and enjoyable for residents [5] - Staff provided one-on-one explanations of financial knowledge to elderly participants, distributing informational brochures and addressing questions to help them recognize fraudulent investment schemes targeting their retirement funds [6] Group 3: Future Initiatives - Haier Consumer Finance plans to continue its efforts in consumer rights protection education, expanding outreach, enhancing promotional efforts, and diversifying educational formats to improve financial literacy and the ability to prevent illegal financial activities [7]

Core Viewpoint - The company is launching the "2025 Financial Knowledge Popularization Campaign" to enhance consumer awareness of financial risks and promote a sustainable financial consumption environment [1]. Group 1: Campaign Overview - The campaign is initiated by the company in response to the central financial work conference and aims to deliver professional financial knowledge to consumers through various channels and formats [1]. - The slogan for the campaign is "Protecting Customer Rights, Enjoying a Worry-Free Life" [1]. Group 2: Offline Activities - The campaign features offline activities such as the "Chinese Financial Culture Quiz," which engages employees in learning about financial knowledge and integrity [2]. - Employees participate by answering questions related to financial policies and principles, fostering a culture of learning and recognition of integrity [2]. Group 3: Online Initiatives - The company utilizes its own promotional channels to disseminate information about the campaign and educate consumers on illegal financial intermediaries through articles and comics [3]. - A comic titled "Beware of 'Agent Rights Protection' Traps" illustrates the dangers of trusting illegal financial intermediaries, highlighting the risks involved [3]. Group 4: Comprehensive Financial Education - The company plans to conduct a series of financial education activities, targeting various demographics such as schools, communities, and enterprises [4]. - Both offline and online strategies will be employed, including lectures, interactive Q&A sessions, and creative content like comics and videos to enhance public financial literacy [4]. - The campaign aims to cultivate a culture of integrity within the company and contribute to a sustainable financial consumption environment by providing rich financial knowledge to the public [4].

Core Viewpoint - The article discusses the integration of lending services within WeChat, particularly focusing on the "Tongcheng Yirong" product by Tongcheng Travel, which leverages WeChat's massive user base for consumer loans. Group 1: User Experience and Accessibility - Accessing the "Fenfu" product under Tencent's payment service requires four clicks within WeChat [1][2] - The process to obtain a credit limit for "Fenfu" involves multiple steps including face recognition and agreement to terms [3] - Despite the complexity of uploading identification, the integration within WeChat provides a superior user experience compared to other products [5][6] Group 2: Market Position and User Base - Tongcheng Travel's lending service is prominently featured in WeChat's service section, with a fixed entry point that attracts significant user attention [11][12] - WeChat's combined monthly active accounts reached 1.402 billion, with over 1 billion users in mainland China likely to see the lending service [16] - In Q1 2023, Tongcheng Travel reported an average of 238 million monthly active users from WeChat, contributing to 83.3% of its active user base [16][17] Group 3: Lending Products and Partnerships - "Tongcheng Yirong" offers various loan products, including a personal consumption loan with a maximum limit of 300,000 yuan, in collaboration with multiple licensed financial institutions [20] - The service also includes car and house equity loans, with the latter offering up to 30 million yuan at an annual interest rate starting from 2.8% [25] - The partnerships for these loans involve several financing and leasing companies, indicating a broader network for loan distribution [22][30] Group 4: Business Model and Strategy - The lending service operates on a low-cost user acquisition model, utilizing WeChat's inherent traffic without significant marketing expenses [18][19] - The structure of "Tongcheng Yirong" suggests a focus on light operational models, primarily directing traffic to other financial products rather than heavy capital investment [35][36] - The integration within WeChat allows for a unique competitive advantage in customer acquisition compared to other lending platforms [37]

Core Viewpoint - Haier Consumer Finance plans to issue its first financial bond of 2025 with a scale of 1 billion RMB, marking another step in its financing efforts for the year [1][9] Financing Activities - The company previously issued 1.5 billion RMB in asset-backed securities (ABS) in March 2025 [1][9] - The financial bond will be issued from June 18 to June 20, 2025, with a three-year term and a minimum subscription amount of 10 million RMB [7][9] - The funds raised will be used to supplement medium to long-term capital and optimize the asset-liability structure [9][10] Company Background - Haier Consumer Finance was established in December 2014 and is the first consumer finance company in China initiated by an industrial group [8] - The company is backed by major shareholders including Haier Group, with a shareholding structure of 49%, 25%, 16%, and 10% respectively [8] Financial Performance - The company reported revenue growth from 1.71 billion RMB in 2022 to 3.17 billion RMB in 2024, with net profits increasing from 274 million RMB to 445 million RMB during the same period [10] - Total assets grew from 21.12 billion RMB in 2022 to 29.35 billion RMB in 2024, with loan balances increasing correspondingly [10] Business Strategy - The main business includes online cash loans and offline installment services, with online loans accounting for 81.90% of the total in 2024 [11] - The company plans to restart its home appliance installment business and enhance collaboration with the parent group [11] Risk Management - The company reported non-performing loan ratios of 2.35%, 2.34%, and 2.15% for the years 2022, 2023, and 2024 respectively [13] - Provision for loan impairment losses increased to 1.61 billion RMB in 2024, reflecting a 20.77% year-on-year growth [13] Market Trends - The issuance of financial bonds has become a common practice among consumer finance companies to strengthen their capital base and reduce financing costs [15] - In 2025, several consumer finance institutions have already issued a total of 10.6 billion RMB in financial bonds [14]

Core Viewpoint - The article emphasizes the proactive measures taken by the company to safeguard consumer financial security amidst the rapid development of digital finance and the evolving tactics of illegal financial activities [1][11]. Group 1: Company Initiatives - The company launched a series of promotional activities themed "Protecting the Wallet, Safeguarding Happiness" starting June 1, in response to the 2025 campaign against illegal financial activities [1]. - The company has been actively engaging in community outreach, including interactive educational events in urban centers to raise awareness about financial scams [3]. - The company utilizes modern transportation networks, such as high-speed trains, to disseminate financial safety knowledge through advertisements and broadcasts, effectively reaching a wider audience [5]. Group 2: Consumer Education - The company conducts various consumer rights protection activities, including online seminars with industry experts and educational videos on financial literacy, targeting different demographics such as youth and the elderly [7]. - The company has implemented innovative games like "Kick Away Scams" to make learning about financial fraud engaging and accessible to the public [3]. Group 3: Technological Advancements - The company has integrated consumer protection into its core operations, viewing complaint rates as critical indicators alongside default rates, and aims to enhance its digital consumer protection capabilities [9]. - The company has developed a unique "four precision" consumer protection system and is exploring advanced models to improve fraud detection and prevention [9]. - The company reported a fraud impersonation rate of only 0.0002, indicating a significantly lower level of fraud compared to industry standards [9]. Group 4: Collaboration with Authorities - The company has collaborated with law enforcement to combat financial crimes, successfully aiding in the arrest of nearly 20 suspects involved in fraudulent activities [10]. - The company aligns its efforts with national regulatory goals, emphasizing the importance of maintaining financial stability and protecting consumer rights [11].