Core Insights - JD Group's consumer finance subsidiary, JD Consumer Finance, has received approval for its chairman's qualification from the Tianjin Regulatory Bureau of the National Financial Supervision Administration, marking a significant move in the consumer finance sector [1] - JD Group becomes the first platform enterprise to enter the market through equity restructuring after the implementation of the "Administrative Measures for Consumer Finance Companies" on April 18, 2024, and is the second institution in the industry to obtain a consumer finance license via this method [1] - JD Finance App has accumulated 420 million transaction users, collaborating with nearly a thousand financial institutions including banks, insurance companies, and fund companies to provide personal financial services [1] Industry Developments - The industry is closely watching the collaborative pathways between JD Consumer Finance and existing JD Finance operations, particularly in areas such as business division, resource integration, and brand synergy [1]

Core Viewpoint - Protecting the legitimate rights and interests of financial consumers is a crucial foundation for the stable development of the financial industry and an essential responsibility of financial institutions [1] Group 1: Event Overview - The "Consumer Protection Wisdom Transmission and New Journey: Industry Collaboration Towards the Future" seminar was held in Beijing on March 25, 2025, organized by the China Internet Finance Association and hosted by JD Technology [1] - Representatives from various financial sectors, including banking, insurance, securities, consumer finance, platform enterprises, and fintech companies, attended the meeting [1] Group 2: JD Technology's Commitment - JD Technology, as a standing council member of the China Internet Finance Association, integrates consumer rights protection into its core governance framework and operational indicators, establishing a comprehensive protection mechanism [2] - The "User Protection Center" was set up by JD Finance, which reached over 100 million users in 2024 through innovative online financial consumer education initiatives [2] Group 3: Technological Innovations in Consumer Protection - JD Finance's digital service system has served 22 million users, achieving a satisfaction rate of over 90%, and provides various interaction modes to cater to special user needs [4] - The intelligent risk control system developed by JD Finance has triggered 20.76 million fraud alerts in 2024, equating to 39 alerts per minute, and successfully intercepted 1.66 billion yuan in suspicious funds [6] Group 4: Multi-Channel Consumer Protection Services - JD Finance has enhanced its consumer protection services through an online "User Protection Center" and offline initiatives, including anti-fraud alerts and educational resources [6] - The company actively engaged in community outreach through the "Five Entering" activities, focusing on financial knowledge dissemination in rural areas, communities, campuses, enterprises, and business circles [7] Group 5: Future Directions - JD Finance aims to continue its mission of "Finance for the People" under the guidance of the China Internet Finance Association, emphasizing consumer rights protection as a lifeline for financial work [9]