文 | 创业最前线 李薇 编辑 | 蛋总 近期，河南省唯一一家持牌消费金融公司——中原消费金融迎来了第二任总经理邵航，引发业内关注。 11月3日，金融监管总局河南监管局发布一项公告，核准邵航河南中原消费金融股份有限公司（简称"中原消费金融"）总经理的任职资格。 图 / 中原消费金融的新任总经理邵航任职资格批复公告（来源：金融监管总局） 中原消费金融成立于2016年12月底，总部设在河南省。截至2025年上半年，公司注册资本为20亿元。 公司股东包括3家，即中原银行（持股49.25%）、华平亚洲金融投资有限公司（持股42%）与上海伊千网络信息技术有限公司（持股8.75%）。 在业绩表现上，中原消费金融在今年上半年的盈利增速较高，营业收入与净利润分别同比增长29.52%、30.4%。 此前在2024年末，中原消费金融对外披露其总资产规模达到424.79亿元，位列行业第12名，同时其净利润排在第8名。 然而，公司2024年末的不良率为2.09%，近三年不良贷款规模攀升与资本补充压力需引起重视。此外，公司积极推出"双十一购物狂欢节"活动，并通过产 品体验官计划，持续优化App用户体验。 接下来，中原消费金融在新高管的 ...

Group 1 - Central China Consumer Finance has launched consumption promotion activities in multiple cities, integrating finance, food, cultural creativity, and trendy products through innovative "finance + scene" interactions [1] - The "Peony Blossoms. Central China Has an Appointment" immersive user co-creation event was held in Luoyang, where 20 product experience officers provided feedback for product optimization and service upgrades [1] - The company emphasizes a user-centered service philosophy and has initiated a product experience officer program to gather user insights, resulting in 85 upgrades to the Central China Consumer Finance App based on over 300 suggestions collected [1] Group 2 - Ouyang Rihui, Deputy Director of the Internet Economy Research Institute at Central University of Finance and Economics, highlighted that users are not only experiencers of financial services but also leaders in product optimization [2] - The product experience officer program transforms users from "passive receivers" to "active designers," providing a new paradigm for enhancing user experience and loyalty in the consumer finance industry [2] - The company plans to regularly conduct activities to boost consumption in line with national requirements, aiming to enhance the adaptability and convenience of consumer financial services [2]