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].

作为今年《政府工作报告》提出的十大任务之一，"大力提振消费、提高投资效益，全方位扩大国 内需求"是稳定经济大盘、增强发展内生动力的关键。 消费金融是拉动内需、促进消费的重要金融手段，也为消费者搭建起连接当下需求与未来规划的桥 梁，通过激活小额信贷需求，让个体消费选择更具灵活性与可能性。 随着消费理念、消费偏好、消费结构、消费场景的持续变化，消费金融的服务模式、产品形态、获 客渠道、风控体系不断创新，呈现出明显的线上化、智能化、场景化、普惠化、精细化趋势。从嵌入 3C数码、家电美妆、家装出行等高频生活场景的消费分期，到覆盖教育深造、职业发展、健康医疗、 文旅休闲的个性化服务，创新触角正沿着消费者的需求脉络向更细分领域延伸。 推陈出新是消费金融机构适应市场变化、提升金融产品质效的关键路径，既需要以技术创新打破业 务壁垒，也需要通过模式迭代拓宽服务边界。 今年上半年，哈银消金依托自主研发的"星斗"智能风控系统，创新推出"小福云贷"业务模式。据 悉，该模式构建了"流量分发+资金匹配+风险共管"的闭环体系，通过智能路由技术，将优质客户精准 分流至合作机构，确保融资需求应贷尽贷。 据哈银消金相关负责人介绍，哈银消金已经与 ...