Core Viewpoint - The consumption finance sector is crucial for stimulating domestic demand and enhancing consumer spending, with financial institutions increasing consumer credit offerings to activate the market cycle [1][2]. Group 1: Industry Trends - The asset scale of consumer finance companies has grown significantly, from over 500 billion yuan in 2020 to approximately 1,384.86 billion yuan by the end of 2024, serving 85.43 million county-level customers [2]. - Companies are focusing on optimizing products and services to meet consumer demand, effectively lowering barriers to consumption and stimulating potential [2][3]. Group 2: Targeted Services - Consumer finance companies are tailoring their services to specific groups such as farmers, small business owners, and new citizens, launching targeted financial products [3]. - The "New Citizens New Enjoyment" credit product by Mengshang Consumer Finance has issued 65.398 billion yuan in loans, serving 5.9269 million customers by the end of September 2025 [3]. Group 3: Technological Empowerment - The integration of AI technologies is enhancing the efficiency of consumer finance operations, with companies utilizing AI across various business processes to improve risk management and customer service [4][5]. - Companies are implementing advanced systems for real-time data processing and risk identification, significantly improving operational efficiency and customer satisfaction [5]. Group 4: Consumer Rights Protection - Consumer finance companies are prioritizing consumer rights protection by establishing dispute resolution mechanisms and promoting responsible financial practices [6]. - The industry is encouraged to pursue a path of inclusive, intelligent, and quality-driven development to enhance the value of financial services for the public [6].

据披露，今年2月，马上消费金融将数字人马小i接入DeepSeek，打造重庆首个接入"DeepSeek＋数字化 办公"的智能平台；充分利用DeepSeek参数量大的优势，用它来标注数据，然后再把数据投喂给天镜大 模型用于训练，进一步提升天镜大模型的"智商"，马上消费金融业务办理的准确率提升了15%。 在高价值专利培育、知识产权体系建设和人才培养等领域，马上消费金融累计申请发明专利2500余件， 上榜《麻省理工科技评论》全球金融大模型专利创新排行榜TOP7。 （编辑 张钰鹏） 本报讯 （记者李冰）日前，重庆百货发布2024年年度报告，关联公司马上消费金融的经营情况也一并 出炉。数据显示，2024全年，马上消费金融营业收入151.49亿元，净利润22.81亿元，持续稳健经营。 据披露，马上消费金融累计纳税超百亿元，服务用户超2亿，直接带动就业人数近4000人，先后获得国 家高新技术企业、国家企业技术中心等12项荣誉，连续六年上榜中国服务业企业500强和重庆企业100 强。 "2024年，我们坚守长期主义与科技创新，积极助力数字金融行业创新，更好地服务了更多用户，带动 了更多消费。"马上消费金融董事长赵国庆表示，未来 ...