Core Viewpoint - The upgrade of the brand from "柚卡" to "中原提钱花" by 中原消费金融 is a strategic move to enhance brand recognition and service capability in response to national policies aimed at boosting consumption and promoting high-quality economic development [1][2][3] Group 1: Brand Upgrade - The brand upgrade aims to improve brand influence and recognition while maintaining existing product functionalities, rates, and user rights [1][2] - The new name "中原提钱花" is designed to reduce user memory costs and enhance trust through the backing of the 中原银行 parent brand [2] - The upgrade is expected to optimize product recognition and marketing efficiency, leveraging natural search traffic to lower customer acquisition costs [2] Group 2: Service Model and Target Audience - 中原消费金融 focuses on the financial needs of new citizens and small individual businesses, utilizing an "online + offline" service model [3] - The company has developed a proprietary risk control system, "信鸽," to address credit information gaps and provide financial support to underserved groups [3] - The brand upgrade aligns with national policies promoting financial technology and inclusive services, aiming to enhance the accessibility and fairness of financial services [3] Group 3: Future Outlook - The company plans to leverage its advantages and innovate products and services to support the prosperity of the consumer market and the high-quality development of the real economy [3]

Core Viewpoint - The company emphasizes the integration of party building and business development, viewing it as essential for high-quality growth and financial services for the public [2][5][12]. Group 1: Party Building and Governance - The company regards party organization construction as a foundational project for its development, ensuring clear responsibilities and effective communication of party decisions at all levels [3][4]. - A modern governance system has been established, with the first party congress held in November 2024, enhancing political support for the company's growth [4]. - The company implements a "one post, dual responsibility" system to ensure accountability in party governance and compliance [4]. Group 2: Business Development and Innovation - The company adopts a "Party Building +" model to integrate party work with business development, aiming to fulfill its mission of "finance for the people" [5][6]. - Innovative consumer finance products have been launched, driven by a user experience team that incorporates customer feedback into product optimization [6][7]. - The company has successfully engaged over 1,800 users in its product experience program, leading to significant improvements in its app functionalities [6][7]. Group 3: Social Responsibility and Community Engagement - The company has served over 3 million new citizens, providing flexible credit solutions and achieving a loan scale exceeding 4.7 billion yuan [10]. - A comprehensive model for rural revitalization has been established, combining technology, financial services, and community support to enhance rural livelihoods [11]. - The company actively participates in financial literacy initiatives, aiming to protect consumers and enhance their financial awareness [11]. Group 4: Future Outlook - The company plans to continue enhancing its political foundation and commitment to serving the public, aiming to contribute more to economic and social development through quality financial services [12].

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 - Zhongyuan Consumer Finance has been awarded the "2025 Financial Star - Annual User Experience Star" by Economic Observer, highlighting its leadership in user-driven change within the consumer finance industry [1] - The company’s "Product Experience Officer Program" has successfully engaged users in product development, marking a new path for user operation models in the consumer finance sector [1] Group 1 - Since launching the "Product Experience Officer Program" in May 2024, Zhongyuan Consumer Finance has formed a cross-departmental user experience team, involving 1,873 users and employees, ultimately selecting 186 product experience officers [3] - These product experience officers have provided over 300 optimization suggestions, leading to 85 functional iterations in the app, including streamlining the borrowing process and upgrading user rights [3] - The user experience team has also organized offline events, such as a user open day in Zhengzhou, to facilitate discussions on product optimization and the benefits of financial technology [3] Group 2 - On April 10, 2024, Zhongyuan Consumer Finance held an immersive user co-creation event, focusing on product functionality optimization and user experience enhancement [4] - The event featured real-time observation of user feedback and addressed high-frequency demands such as loan processes and online customer service upgrades [4] - The program has transformed users from passive recipients to active designers, providing new insights for enhancing user engagement in the consumer finance industry [4] Group 3 - The recognition of Zhongyuan Consumer Finance's user-centric strategy confirms the feasibility of its business model that involves users as product partners [4] - The company aims to continue developing the "Experience Officer Ecosystem" to inject new momentum into high-quality industry growth [4]