智通财经记者 | 何柳颖 智通财经编辑 | 王姝 扬帆，出海。 近日，度小满发布多个墨西哥业务招聘岗位，包括信贷产品经理-墨西哥（后端+用户端）、HRBP（驻场墨西 哥）、海外风险策略等。从中可一窥，我国互联网金融企业正加快信贷业务的出海步伐。 事实上，信也科技、乐信等多家金融科技公司均已布局海外信贷业务。比如，信也科技印尼业务品牌 AdaKami于2019年12月获得印尼金融服务管理局（OJK）颁发的金融许可证；菲律宾业务品牌JuanHand也已获 得菲律宾证券交易委员会颁发的在线贷款许可。 业内人士告诉智通财经记者，目前印尼、墨西哥等地是热门的信贷业务出海目的地。这些国家人口基数大， 信贷需求高，展业门槛也并不高，因此吸引了诸多中企入局。 但由于可使用数据有限，风控成为中企在当地展业的一大考验。从0至1走出去之后，如何更稳当地扎根下 来，是一个重要课题。 出海 多名业内人士向智通财经记者强调，目前海外市场已是公司重要的业务增长点。 今年二季度，信也科技国际业务交易额突破32亿元，同比增长39%；营收近8.0亿元，同比增长41.5%，占集团 总营收的22.3%。 截至2025年6月30日，信也科技国际市场累 ...

这样的监管办法无疑适用于目前的行业生态。如今金融行业鱼龙混杂，各类金融机构参与竞争，为了获 取超额利益，有的机构，尤其是第三方平台，在经营过程中依靠各类套路，设下各种消费陷阱，让本就 陷入困境的消费者苦不堪言。 就在近日，"贷款100多万中介收31万"的话题就登上社交媒体热搜，这个案例揭示的第三方金融机构消 费套路非常典型，其中就包括：一是收取高昂的服务费，这种现象在目前类似的第三方金融服务中非常 普遍。比如，很多平台通过电话向消费者推销信贷产品，并允诺较低的利息和服务费，但后续在有关流 程和合同中往往会增加各种收费，使得最终的成本大大超过常规渠道的信贷服务。二是中介机构通过各 种操作，最终让没有资质的消费者获得贷款。在上述案例中，中介就是以逾期为由让他人协助，通 过"AB贷"的方式让消费者获得金融服务。虽然在短期内满足了消费者的资金需求，但付出的成本极 大，而且这种做法往往也不合规，对于金融机构的风险管理极为不利。 网贷、助贷平台的消费乱象远不止于此，第三方平台的诸多套路已经成为典型的消费问题，受到媒体关 注，并反复被曝光。监管对此必须予以重点关注，此次新规的出台或是一个重要分水岭，提醒金融机构 要注重合规 ...

Core Points - The newly issued "Regulatory Evaluation Measures for Consumer Rights Protection in Financial Institutions" establishes a five-level classification system for consumer rights protection, with corresponding rewards and penalties for financial institutions [1][2] - The new regulation emphasizes the need for consumer protection in third-party financial institutions, particularly in the context of the rapid growth of internet finance and the associated compliance issues [1][2] Group 1 - The new regulation replaces the previous "Regulatory Evaluation Measures for Consumer Rights Protection in Banking and Insurance Institutions," which required banks and insurance companies to enhance consumer protection management for third-party platforms [1][2] - The evaluation system will assess financial institutions based on daily supervision and other relevant information, using a scoring method that categorizes institutions into five levels, with higher-rated institutions receiving more lenient regulation [2] - The financial industry is currently characterized by a mix of institutions, with some third-party platforms employing various tactics that create consumer traps, leading to significant consumer distress [2][3] Group 2 - A recent case highlighted on social media, where a loan of over 1 million was accompanied by a service fee of 310,000, exemplifies the typical consumer traps set by third-party financial institutions [3] - Common issues include high service fees and non-compliance practices that ultimately burden consumers with excessive costs, despite short-term financial relief [3] - The new regulation serves as a critical reminder for financial institutions to prioritize compliance and consumer protection, especially for vulnerable consumers facing economic difficulties [3]

通过本次中国银行银发经济交易团活动，各方专家围绕金融创新赋能社区居家养老产业等话题充分交 流，为行业发展建言献策。未来，中国银行将持续助力政府提升治理效能，通过搭建产业链对接平台， 创新信贷产品，依托"线上+线下"双渠道进一步提升居民服务，以金融创新助力养老产业高质量发展。 活动现场，中国银行携手北京西城区6家企业代表，共同发布"西城区养老+"项目。项目聚焦"为老服 务"与"为企赋能"双轮驱动，得到政府大力辅导与支持。面向老年群体，整合优质资源，提供机构照 护、居家康养、智慧养老、金融适老及文化教育等一站式服务，实现医养结合、数据赋能、文化润老。 面向企业，构建"三维赋能"体系：搭建资源对接平台，促进供需精准匹配；金融赋能，多维度金融产品 给予保障支持和惠利；携手科技企业输出智能终端、物联网、AI等技术方案，推动养老服务数字化、 智能化转型，助力养老产业高质量发展。 作为服贸会银行业独家"全球合作伙伴"，中国银行已连续五年深度参与。今年，老伙伴迎来新朋友，中 行组建了一支由政府指导，覆盖老年旅游、养老咨询、老年教育、养老机构、老年法律、智慧科技养老 等多个领域的20余家企业代表及近百名业界专家参与的银发经济交 ...

Group 1 - Jiangsu Hai'an Agricultural Commercial Bank provided nearly 1.1 billion yuan in credit to 79 enterprises to address financing difficulties for small and medium-sized enterprises [1] - The collaboration between Hai'an Agricultural Commercial Bank and local enterprises demonstrates the significant impact of financial support on the real economy [1][8] - Hai'an Agricultural Commercial Bank has supported over 200 enterprises in Dagu Town, with a loan balance exceeding 1.2 billion yuan, contributing to local economic growth [8] Group 2 - Nantong Dapeng Sheep Industry Co., Ltd. has established itself as the largest goat breeding base in Jiangsu Province, with products sold to major cities including Shanghai and Zhejiang [3] - The company faced initial funding challenges but received 1.5 million yuan in loans from Hai'an Agricultural Commercial Bank, enabling the construction of a new sheep barn and the opening of a meat restaurant [3][4] - As of this year, Nantong Dapeng Sheep Industry Co., Ltd. has a stock of over 6,000 goats and is experiencing significant revenue growth [4] Group 3 - Nantong Junde Industrial Technology Co., Ltd. has rapidly developed since its establishment in 2018, supported by 5 million yuan in funding from Hai'an Agricultural Commercial Bank [6] - The company faced financial difficulties in 2024 but received an additional 2 million yuan in support, allowing it to continue operations [6] - In 2024, the company's sales reached nearly 30 million yuan, showcasing its strong market performance [7]

Core Viewpoint - Village banks play a crucial role in supporting rural economic development and promoting rural revitalization, but some are facing operational difficulties and rising risk levels, making integration essential for healthy industry development and financial risk prevention [1][3] Group 1: Integration of Village Banks - The integration of village banks is seen as a vital measure to enhance the industry's health and mitigate financial risks [1] - Well-rated and capable village banks should be prioritized during the integration process to maximize their positive impact [1][3] - Quality village banks have significant advantages in resource integration, allowing them to optimize branch locations, reduce operational costs, and improve service quality [1][2] Group 2: Financial Service Quality Improvement - Quality village banks can lead by example in enhancing financial service quality, tailoring credit products to local agricultural cycles and environmental factors [2] - They can develop financial service solutions for emerging industries like rural e-commerce and specialty agricultural processing [2] - Utilizing advanced financial technology, these banks can optimize online service channels, making it easier for farmers and small business owners to access services [2] Group 3: Risk Management - Quality village banks possess robust risk management systems and experience, which can be shared with integrated institutions to improve risk identification and control [2] - They can help establish liquidity risk management mechanisms and enhance internal auditing to prevent operational and moral risks [2] - By improving risk warning capabilities, these banks can help detect potential risks early and take timely measures [2] Group 4: Regulatory Support - Regulatory bodies should provide more policy support to quality village banks, encouraging their role in integration [3] - Incentives such as reduced business costs and positive evaluations for effective participating banks can stimulate their engagement [3] - Ensuring compliance and smooth integration processes through regulatory oversight is essential for protecting all parties' interests [3]

Core Insights - The company reported a revenue of 1.42 billion yuan for the first half of 2025, a year-on-year decline of 5.0%, with gross profit also down by 2.0%. However, the net profit attributable to shareholders after deducting non-recurring items was 220 million yuan, showing a significant increase of 49.5% year-on-year [1] - In Q2 2025, the company achieved a revenue of 890 million yuan, a slight increase of 0.1% year-on-year, with gross profit rising by 0.7%. The net profit attributable to shareholders after deducting non-recurring items was 160 million yuan, up by 41.8% year-on-year [1] Business Analysis - For the first half of 2025, the revenue from banking IT solutions was 1.2 billion yuan, down 8.9% year-on-year, while gross profit only decreased by 0.7%. Non-banking IT solutions generated 150 million yuan in revenue, up 28.2% year-on-year, with gross profit increasing by 13.9%. The innovative operations business saw revenue of 60 million yuan, a growth of 17.7%, but gross profit declined by 29.3% [2] - The significant increase in net profit attributable to shareholders was primarily due to a 14.0% reduction in total expenses, particularly a 39.2% decrease in sales expenses. Additionally, accounts receivable decreased by 30.6% compared to the same period last year, leading to a positive turnaround in credit impairment [2] - The company reported overseas business revenue of 16 million yuan, a remarkable growth of 121.3% year-on-year. The company is strengthening its presence in Southeast Asia and has recently entered the European market, while also expanding into the Middle East and Central Asia. To support its international strategy, the company plans to issue H shares and list on the Hong Kong Stock Exchange [2] Profit Forecast and Valuation - Based on the mid-year report for 2025, the company forecasts revenues of 3.9 billion yuan, 4.03 billion yuan, and 4.33 billion yuan for 2025 to 2027, reflecting year-on-year changes of -1.6%, 3.5%, and 7.5% respectively. The net profit attributable to shareholders is expected to be 520 million yuan, 580 million yuan, and 660 million yuan for the same period, with year-on-year growth rates of 35.8%, 13.2%, and 12.8%. The corresponding price-to-earnings ratios are projected to be 37.3, 32.9, and 29.2 times, maintaining a "buy" rating [3]

Group 1 - The core viewpoint of the articles is the importance of financial knowledge dissemination and consumer rights protection in the banking sector, particularly through educational activities organized by Minsheng Bank [1][2] - Minsheng Bank's Linyi Lanshan branch conducted a financial education campaign aimed at enhancing employees' awareness of financial risk prevention, focusing on practical financial scenarios encountered by employees [1] - The campaign included discussions on personal information protection, prevention of telecom and internet fraud, and safe use of bank cards, utilizing real-life case studies to illustrate the tactics used by fraudsters [1][2] Group 2 - The event also addressed the actual credit product needs of employees, promoting responsible borrowing and credit maintenance while warning against illegal financial activities such as "trap loans" and "high-interest loans" [2] - An interactive Q&A session allowed employees to ask questions about credit card usage and investment products, making complex financial concepts more accessible and practical [2] - Participants reported gaining valuable skills in identifying financial fraud and a clearer understanding of their legal rights, indicating the effectiveness of the educational initiative [2]

Core Insights - Nu Holdings (NU.US) shares rose over 11% to $13.39 following strong Q2 earnings report [1] - The company reported Q2 revenue of $3.7 billion, exceeding FactSet's estimate of $3.19 billion [1] - Net profit increased by 31% year-over-year to $637 million [1] Customer Growth - The customer base grew to 123 million, with a net addition of 4.1 million customers in the quarter [1] - Mexico and Colombia contributed 8% to total revenue [1] Loan and Credit Performance - Total loan balance increased by 40% year-over-year to $27.3 billion [1] - The company upgraded its credit model in Brazil and raised credit card limits [1] - In Mexico and Colombia, the company optimized its balance sheet to enhance the profitability of credit products [1]

Core Viewpoint - A recent case in Kunshan, Jiangsu Province, highlights a fraudulent scheme involving the use of POS machines to illegally cash out loans, with the total amount involved exceeding 6 million yuan [1][4]. Group 1: Fraudulent Scheme Details - The criminal gang designed a comprehensive path for fraud, including "packaging qualifications, obtaining credit, and cashing out" [1][3]. - They targeted individuals without loan qualifications, creating fake employment and income documents to present them as high-income earners to banks [3]. - Once loans were approved, intermediaries used POS machines to fabricate transactions, allowing them to cash out the loan funds illegally [3][5]. Group 2: Financial Impact and Legal Consequences - The case involved over 37 suspects, with the total amount of fraudulent loans traced back from 183,000 yuan to over 6 million yuan [5]. - Key intermediaries earned illegal profits, with one individual helping to transfer over 300,000 yuan and profiting around 60,000 yuan [3][5]. - The court sentenced the main perpetrators to prison terms ranging from three to six years for illegal business operations and money laundering [7]. Group 3: Regulatory and Preventive Measures - The case has prompted the judiciary to issue recommendations to financial institutions to enhance their loan approval processes and risk assessments [7][10]. - Recent regulations have been established to restrict the use of POS machines for cash transactions, aiming to curb such fraudulent activities [10][11]. - The rise of illegal cash-out schemes poses significant risks to the financial system, necessitating stricter oversight and compliance measures [9][10].