发展普惠金融不仅是落实金融"五篇大文章"的重要举措，更是切实满足广大人民群众金融需求的关键路 径。在此背景下，消费金融机构应如何将普惠金融工作做深做实？在这一探索过程中，平安消费金融的 实践赢得了行业的认可。在2024年度数字金融高质量发展论坛暨第七届司库品牌计划发布会上，平安消 费金融凭借其在普惠金融领域的突出贡献，获评"年度卓越普惠金融实践机构"。 "普"到根，"惠"到本，让普惠金融服务真正触手可及 普之于众，惠之于民，是为"普惠"。在普惠金融"精耕细作"的新形势下，消费金融机构应在"守正"中筑 牢根基，在"创新"中寻求突破，不断探索普惠金融服务的新模式、新路径，为写好普惠金融这篇"大文 章"贡献坚实力量，使普惠金融服务真正变得触手可及。以平安消费金融为例，一方面充分发挥非银专 业化、特色化金融功能，通过打造线上小额消费信贷风险评估体系，以金融"活水"精准滴灌特定消费人 群，如针对新市民人群加强金融供给服务。另一方面，平安消费金融"券"力支持广大消费者需求，充分 发挥消费金融在促进消费、扩大内需等方面的积极作用。截至2025年6月，平安消费金融已发放超300万 张利息抵扣券、免息券等，券面优惠金额突破2亿 ...

中原消费金融举办各类线下活动，积极提振消费。中原消费金融供图 □张雅露 金融作为实体经济的血脉，在提振消费、释放内需潜力中发挥了关键作用。目前，全国各地将拉动内需作为 推动经济增长的关键抓手，促进形成更多以内需主导、消费拉动、内生增长为主的经济发展模式。 当前，河南正深入贯彻"两高四着力"重大要求，在此背景下，金融服务实体经济的使命愈发重大。为此，必 须深入推动金融机构精准滴灌消费市场与实体经济领域。如今，"金融豫军"正在以实际行动书写一份关乎扩 内需、稳增长、惠民生的时代答卷。 场景融合 金融服务融入生活肌理 作为河南唯一一家持牌消费金融机构，中原消费金融在中原银行党委的坚强领导下，紧扣"大力提振消费"的 政策导向，以"补贴让利+场景融合"双轮驱动，将金融活水精准注入消费市场，让"愿消费、敢消费、能消 费"成为现实。 补贴让利 引燃"双十一"消费热情 今年5月7日，国新办新闻发布会围绕"一揽子金融政策支持稳市场稳预期"提出多项细化措施，为消费金融行 业发展指明方向。 今年"双十一"消费旺季，中原消费金融将电商节日氛围与"周三礼遇日"IP深度融合，创新推出"双十一狂欢 节"主题活动。活动期间，用户通过完成指定 ...

Group 1: Economic Performance - Guangdong's total retail sales of consumer goods reached 14.66 billion yuan per second, with tourism revenue at 3.5 billion yuan and 1,498 express deliveries completed [2] - In the first half of this year, Guangdong's total retail sales of consumer goods grew by 3.5% year-on-year, accelerating by 1.0 percentage point compared to the first quarter [2][3] - Per capita consumption expenditure for Guangdong residents was 18,434 yuan, reflecting a year-on-year increase of 4.9% [3] Group 2: Consumer Finance Role - Consumer finance companies are crucial in stimulating consumption, with a focus on "universal" and "beneficial" financial services [2][4] - The "2025 China Consumer Finance Index" indicates that Shenzhen and Guangzhou have a comparative advantage in consumer finance strength [5] - The implementation of the "Guangdong Province Consumption Promotion Special Action Plan" includes measures to enhance credit support for personal consumption loans [4] Group 3: Innovative Financial Services - Companies like China Post Consumer Finance are exploring "small and beautiful" scene-based financial services tailored to local consumption characteristics [6] - China Post Consumer Finance has issued loans totaling 7.1 billion yuan through partnerships with platforms like "Ele.me" to cater to young consumers [6] - The company has also launched initiatives such as "buy-back" policies and special offers for graduates to support consumer spending [7] Group 4: Risk Management and Financial Stability - The consumer finance sector faces challenges with high non-performing loan transfer amounts, necessitating robust risk management practices [8] - China Post Consumer Finance is optimizing its asset-liability structure while enhancing profitability through careful risk management [9] - The company has established a diversified financing system to improve funding stability and reduce risk costs [9]