延伸服务触角，让金融活水"浸润城乡"。在乡村振兴领域，兴业消金从教育帮扶与乡村消费支持两端发 力，持续拓宽普惠金融的广度与深度。教育方面，"兴才贷"首创"90天无条件退贷"机制，切实减轻农村 家庭供子女上学的经济压力。乡村消费支持方面，兴业消金发挥直营团队优势，对山东的菜农、果农， 福建的茶农、渔业养殖户等群体，制定针对性的家庭消费信贷产品专案，满足其合理的消费需求。 筑牢数字基石，让服务效率加速升级。科技是提升金融质效的核心驱动力。今年上半年，兴业消金持续 强化金融科技应用，协同运营、市场、风险三大体系释放创新动能，构建起覆盖服务全流程的技术支撑 网络。 在绿色发展领域，兴业消金将ESG理念融入服务全流程：通过"活力贷"引导健康低碳消费，"优客通"线 上化流程减少交通碳排放，推广电子合同与区块链存证实现"无纸化"操作，以科技手段践行可持续发展 理念。 近日，兴业消费金融(简称"兴业消金")发布半年报显示，截至6月末，该公司累计发放贷款突破4500亿 元，服务客户数超2800万户。兴业消金紧扣"提振消费、惠民生、稳增长"使命，创新金融服务满足用户 多元需求，交出一份兼具社会责任与市场活力的中期答卷。 精准对接 ...

Core Viewpoint - The consumer finance industry is experiencing favorable opportunities driven by national policies promoting consumption, with companies like Industrial Bank Consumer Finance achieving significant growth through strategic transformation and improved asset quality [1][2]. Financial Performance - In the first half of 2025, Industrial Bank Consumer Finance reported a net profit of 868 million yuan, a year-on-year increase of 213.43% [2]. - As of June 30, 2025, the company had issued loans exceeding 450 billion yuan and served over 28 million customers [2]. - The company achieved a reduction in non-performing loan balance to 2.105 billion yuan and a non-performing loan ratio of 2.61%, down by 295 million yuan and 0.32 percentage points respectively since the beginning of the year [2]. Risk Management - The company has implemented a dual strategy to manage credit risk, focusing on high-quality asset allocation and enhancing its comprehensive risk control system [3]. - Measures include detailed due diligence requirements, optimization of credit policies, and the introduction of multi-dimensional third-party data for customer verification [3]. Strategic Initiatives - Industrial Bank Consumer Finance is focusing on online transformation to adapt to changing consumer behaviors, creating a dual-driven model of online and offline services [4]. - The company is enhancing product adaptability to various consumer scenarios and improving service efficiency through digital technology [4]. - The launch of products like "Youke Tong" targets urban working-class consumers, providing comprehensive financial support across various life scenarios [4]. Market Positioning - The company plans to expand its online channels and focus on internet platforms with payment scenario data to enhance risk control and drive a differentiated development path among consumer finance companies [5]. - The recent implementation of a personal consumption loan interest subsidy policy by the government positions Industrial Bank Consumer Finance to offer competitive loan rates, contributing to consumer spending and economic circulation [6].

Core Viewpoint - The emphasis on boosting consumption and enhancing investment efficiency is crucial for stabilizing the economy and fostering internal growth dynamics, as highlighted in the government's work report [1] Group 1: Consumption Finance Trends - Consumption finance is a vital financial tool for stimulating domestic demand and enhancing consumer flexibility through small credit activation [1] - The service models, product forms, customer acquisition channels, and risk control systems in consumption finance are continuously innovating, showing trends of online, intelligent, scenario-based, inclusive, and refined services [1] - Financial institutions are encouraged to develop financial products and services that align with new consumption characteristics, actively participating in promotional activities to benefit consumers [2] Group 2: Product and Service Innovation - Consumption finance companies are focusing on product innovation to meet segmented market demands, enhancing existing product systems to better match consumer needs [2] - Recent upgrades in product offerings include the rebranding of "家庭消费贷" to "兴家贷" and the introduction of targeted products like "兴创贷" and "优才贷" to cater to specific consumer groups [2] - New retail financial products such as "消费升级贷" and "绿色消费贷" have been launched to support the trend of consumption upgrades [2] Group 3: Technological Innovation - Technological innovation is key for consumption finance companies to enhance market competitiveness and service efficiency [4] - The number of technology patents held by consumption finance companies reached 1,242 by the end of 2024, supporting their digital transformation [4] - Companies are embedding technology throughout their business processes, utilizing AI and big data for precise risk control and intelligent decision-making [5] Group 4: Customer Experience Enhancement - The introduction of interactive features like "小红花" by Ant Group has led to a significant increase in credit limits for young consumers, with 68% of participants receiving real-time credit increases [5] - Companies are focusing on optimizing customer experience through app upgrades and improving service processes to enhance usability for all customer segments [5][6] - The digital transformation driven by technology not only aligns financial services with consumer needs but also reshapes industry operational logic for mutual benefits [6]