金融消费者权益保护，事关无数人民群众的切身利益，中邮消费金融坚定不移地践行"金融为民"理念，切实履 行企业社会责任。 线上，通过"中邮钱包"APP以及官网、官方微信号等渠道，以主题海报、长图文等形式，深入开展"以案说 险"教育，拆解各类骗局的表现形式、手段和危害。同时，协同广东正和银行业保险业消费者权益保护中心， 进一步揭示"代理维权"等不法中介乱象，帮助消费者识别和防范风险，打造更加放心的消费环境。 线下，通过横幅、电子屏、海报、金融教育专区等形式，引导消费者提高金融素养和防范意识。同时，深入社 区、商圈、企业等场所，建立"金融教育区"，完善金融教育"网格化"工作机制，生动讲解金融知识，引导消费 者明辨风险、远离侵害。 此外，中邮消费金融充分利用数字化技术，加强"一老一少一新"特殊重点人群的教育宣传力度，拓宽金融教育 宣传活动和金融服务范围，通过金融消保政策解读，增加金融教育辐射面积，进一步提高受众面和影响力，确 保教育宣传活动切实有效。不仅如此，中邮消费金融还积极开展内部消保专题培训，持续提升员工服务意识和 服务能力，促使其在工作开展中切实维护好消费者合法权益的同时，不断提升客户服务质效。 中邮消费金融积 ...

Core Insights - 中邮消费金融 reported a significant increase in net profit by 165.97% year-on-year, achieving a net profit of 633 million yuan and operating revenue of 3.972 billion yuan in the first half of 2025 [1] - The company actively promotes inclusive finance, digital finance, and green finance, contributing to high-quality industry development through its ESG governance framework [1] Group 1: Financial Performance - The company issued 103.8 billion yuan in inclusive loans, providing financial support to 25,300 customers through various relief measures [2] - The comprehensive loan pricing decreased by 21 basis points compared to the end of the previous year [2] Group 2: Technological Innovation - 中邮消费金融 has developed the "邮远见" AI model and "邮小宝" digital assistant to enhance customer service, risk management, and operational efficiency [3] - The company holds 104 authorized patents and 121 software copyrights, with over 90% of its application systems being self-developed, significantly improving loan approval efficiency [2] Group 3: ESG Initiatives - The company integrates green concepts into its operations and consumer finance, promoting green consumption and supporting national carbon reduction goals [3] - Initiatives like the "广东家电以旧换新叠优惠" campaign and the "邮邮森林" feature incentivize users to engage in environmentally friendly behaviors [3] Group 4: Operational Efficiency - 中邮消费金融 is transitioning to a paperless operation model, with over 89% of its loan balance being online by the end of 2024 [4] - The company promotes low-carbon practices in daily operations, including the use of a paperless office system and recycling office supplies [4]

Core Viewpoint - Zhongyou Consumer Finance is committed to enhancing consumer awareness and ability to protect their legal rights, focusing on the theme "Postal Protection, Responsibility Together" [1][2] Group 1: Consumer Rights Protection Initiatives - Zhongyou Consumer Finance promotes consumer rights through various channels, including the "Zhongyou Wallet" app, official website, and social media, utilizing educational materials to explain risks and scams [1] - The company collaborates with the Guangdong Consumer Rights Protection Center to expose illegal intermediaries and help consumers identify and prevent risks [1] Group 2: Financial Education and Awareness - The company employs both online and offline methods to improve financial literacy and risk awareness among consumers, including community outreach and financial education zones [1] - Digital technology is leveraged to enhance educational outreach to vulnerable groups, ensuring effective financial education and service delivery [2] Group 3: Commitment to Social Responsibility - Zhongyou Consumer Finance adheres to the "Finance for the People" philosophy, actively fulfilling its corporate social responsibility [2] - The company plans to continue strengthening consumer rights protection efforts to support the healthy and stable development of the financial market [2]

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].