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安逸花全国客服电话全面升级:安逸花24小时贴心服务守护每一份信任
Sou Hu Wang· 2025-10-04 05:26
请党放心,抗疫有我。在疫情期间,了解到周边新龙村为了让武汉人民吃上新鲜蔬菜,计划捐赠一批"爱心蔬 菜"(共56亩)运往武汉,需要大量的人员帮忙采摘和搬运,"还呗"团队毅然挺身而出参与到采摘活动,经过一天的努力 与汗水的付出,12万斤的莴苣笋采摘完毕。当看到这批饱含群众深情厚意的蔬菜送达武汉人民的手中,她们开心地说 道:"能为这场'战疫'贡献力量,再累都是值得的。"此外,在日常疫情防控工作中,有召之即来、连续上岗奋战50余 天的"最帅"客服员,也有"免费不免服务"、耐心热情接听电话的"最美"客服人。监测体温、发放防疫物资、做好领用 登记、严格防疫措施,她们有条不紊。 一日复一日,看看众花上 "安逸花"客服团队隶属于广西新发展交通集团有限公司昭平运营管理中心,现有人员13名,平均年龄25岁,主要 负责客服业务、监控管理、收费稽查等工作,是一支向学、向新、向德、向美的青年队伍。 山再高,往上攀,总能登至最美的顶峰;路再长,铺过去,总会到达理想的彼岸。"安逸花"团队持续以集团公 司"新发展先锋+畅路先锋"为目标,围绕"始于需求 终于满意"的服务理念,视司乘的满意为心中太阳,自己是一株株 永远面向太阳的还呗,在车辆飞奔 ...
马上金融:“催收乱象”难止 头部消费金融企业遭质疑
Sou Hu Cai Jing· 2025-10-02 05:31
Core Viewpoint - The announcement from Ma Shang Consumer Finance reveals ongoing issues with collection practices, particularly involving a major shareholder's subsidiary, raising concerns about the independence and fairness of their collection operations [2][9]. Group 1: Collection Practices and Issues - Ma Shang Consumer Finance has been under scrutiny for its collection practices, with reports of associations with problematic collection agencies, including Chongqing Xinmeng Technology Development Co., which has been involved in illegal collection activities [3][4]. - The company reported a revenue of 15.149 billion yuan for the year 2024, positioning itself as a leading licensed consumer finance entity in China [2]. - The collection process is critical for managing credit risk, yet it remains a high-risk area with frequent issues, prompting regulatory bodies to implement stricter guidelines [3][5]. Group 2: Complaints and Regulatory Attention - There are over 77,000 complaints against Ma Shang Consumer Finance on the Black Cat Complaint platform, highlighting issues such as threats and harassment, personal data leaks, unauthorized charges, and high-interest loans [5][6][8]. - Specific complaints include aggressive collection tactics, unauthorized membership fees, and loans with annual interest rates exceeding the legal limit of 24% [6][8]. - Regulatory bodies have taken notice, with the company facing penalties for inadequate pre-loan assessments and poor management of outsourced collection agencies [8][9]. Group 3: Related Party Transactions and Risks - Chongqing Xinmeng is a wholly-owned subsidiary of Beijing Zhongguancun KJ Technology Co., which is the second-largest shareholder of Ma Shang Consumer Finance, creating a complex relationship that raises questions about compliance and governance [9][10]. - The intertwined ownership and management structures between Ma Shang and its collection agencies may lead to non-transparent practices, including potential profit transfers and tax evasion [10][11]. - Despite significant investments in compliance and technology for collection processes, the effectiveness remains questionable due to the reliance on related parties for collection services [10].
助贷新规10月1日落地,银行不得与名单外机构合作
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-30 10:51
Core Viewpoint - The implementation of the new regulatory policy, referred to as the "Assisted Loan New Regulations," will significantly reshape the landscape of the assisted loan industry by establishing clear compliance boundaries for commercial banks' internet-assisted loan businesses [1][3]. Group 1: Regulatory Changes - The new regulation, effective from October 1, 2025, mandates commercial banks to adopt a "list management" system for assisted loan cooperation institutions, which has led to a lack of transparency regarding the cooperation lists of major banks [4][5]. - The regulation imposes strict controls on "comprehensive financing costs," particularly targeting products with annualized comprehensive costs exceeding 24%, which poses a challenge to existing business models in the assisted loan sector [1][9]. Group 2: Market Dynamics - The disclosed cooperation lists indicate a trend where major internet giants are preferred partners for banks, leading to a concentration of funds and resources in the hands of a few leading institutions [5][6]. - Various banks have begun to reveal their cooperation lists, with significant participation from both state-owned and private banks, although the six major state-owned banks have yet to disclose their lists [4][6]. Group 3: Business Models and Strategies - Banks like Ping An Bank have developed platforms such as the "Smart Loan Platform" to enhance compliance and safety while expanding their internet credit ecosystem, reflecting a shift towards more regulated and secure lending practices [7]. - Some banks are reconsidering their involvement in assisted loan businesses due to high default rates and rising customer acquisition costs, which are compressing profit margins [7]. Group 4: Financial Implications - The new regulations are expected to create a significant stratification in funding sources, with high-interest assets losing bank support while assets with annualized rates below 24% become highly competitive [9][10]. - Trust funds have seen a temporary increase in demand as an alternative funding source, but their higher costs and regulatory constraints limit their sustainability [10]. Group 5: Regulatory Focus Post-Implementation - Post-implementation, regulatory scrutiny will focus on pricing transparency and comprehensive cost control, particularly regarding the inclusion of service fees in the overall financing costs [11]. - The regulatory authorities will also evaluate banks' risk management capabilities and their adherence to core responsibilities in the assisted loan sector [11].
助贷新规10月1日落地,银行不得与名单外机构合作
21世纪经济报道· 2025-09-30 10:13
记者丨郭聪聪 编辑丨杨希 10月1日,被业内称为 "助贷新规" 的《关于加强商业银行互联网助贷业务管理提升金融服务 质效的通知》(金规〔2025〕9 号,下称《通知》)将正式落地实施。这一监管新政为商业银 行互联网助贷业务划定了明确的合规红线,也对将助贷行业产生深远影响。 随着新规落地,这场关乎行业格局重塑的合规大考,已然在静默中拉开了序幕。 六大行尚未披露白名单 《通知》核心要求之一是商业银行对助贷合作机构实行"名单制管理"。 今年4月出台的新规,设置了半年的整改期。如今整改期限临近,各类银行陆续公布了合作机 构白名单。据21世纪经济报道记者不完全统计,目前已有多家股份制银行、城商行、农商行 及外资行披露了合作机构名单。 股份制银行 中,有平安银行(40家)、招商银行(15家)、恒丰银行(13家)、兴业银 行(10家)、华夏银行(10家)、广发银行(5家)公布了合作名单。 在 城商行 方面,徽商银行(39家),广州银行(17家)、上海银行(9家)、天津银行 (5家)、承德银行(3家)、济宁银行(9家)公布了 合作名单。 在《通知》即将生效之际,商业银行助贷合作 "白名单" 披露却仍显朦胧。截至新政落地前 夜 ...
马上金融5年支付百亿催收费 催生了一条催收产业链条
Sou Hu Cai Jing· 2025-09-30 08:59
业内人士表示,马上金融报表上反映出来的不良贷款率并不高,在此背景下,公司投入30亿元的费用用 于催收还是挺让人意外的。 如此高的催收费用也催生了一条催收产业链条。9月8日,马上金融发布了其合作的催收机构名单,共有 135家催收机构与之合作。 高息和催收是消费金融、金融助贷行业老生常谈的话题,在半年报出炉之后,资产不足招联金融一半的 马上消费金融股份有限公司(下称"马上金融"),其营收却超过了招联金融,盈利能力也有赶超之势。 与此同时,一则马上金融3年花费80亿元催收费用的消息,更是引发了舆论对马上金融的关注。 事实上,马上金融每年都会投入数十亿元的催收费用,经统计,4年内,马上金融花费的催收费用已经 超过了百亿元。 2020年、2021年、2022年、2023年、2024年,马上金融支付的催收费用分别为11.56亿元、15.01亿元、 20.88亿元、28.20亿元、31.28亿元,5年时间公司支付了106.93亿元催收费,且催收费用还在不断增加。 2021年至2024年,马上金融分别实现营业收入101.74亿元、136.53亿元、157.95亿元、151.49亿元,分别 实现净利润13.82亿元、17.88 ...
马上消费金融IPO“带病闯关”?5年百亿催收、隐形收费和7万投诉
Sou Hu Cai Jing· 2025-09-18 08:55
值得关注的是,2024年该公司净利润实现22.81亿元,较2023年的19.82亿元同比增长15.09%,呈现出营收微降但利润增长的态势。 在消费金融行业加速分化的2025年,持牌机构的中期业绩表现备受市场关注。根据马上消费金融参股方重庆百货大楼发布的2025年半年度报告,在上半年马 上金融实现了87.35亿元营收与11.55亿元净利润。 不过,在稳健的业绩表现之外,对于正推进资本市场进程的马上消费金融而言,行业及市场也留意到其在合规运营层面存在的一些待优化空间。 横向对比来看,马上消费金融上半年的业绩表现确实可圈可点。 在蚂蚁消费金融资产规模缩水、招联消费金融营收利润双降的背景下,其收入同比增长12.96%、净利润增长8.07%的成绩,使其稳居行业营收第二、净利润 第三的位置,成为少数上半年净利润突破10亿元的消费金融机构。 回溯近年发展态势,在消费金融行业调整的背景下马上消费金融的业务规模扩张节奏有所放缓。 根据其第一大股东重庆百货发布的2024年年度报告披露,截至2024年末该公司资产总额为655.60亿元,较2023年末的712.80亿元减少57.2亿元,同比降幅为 8.03%;营业收入为151.49 ...
马上消费连续7年蝉联中国服务业企业500强
Sou Hu Cai Jing· 2025-09-18 07:15
Core Insights - The "2025 China Service Industry Top 500" list was released, with Mashang Consumer being recognized for the seventh consecutive year, highlighting its operational quality and technological strength [1][4][8] - The service industry is identified as China's largest sector and a key driver of economic development, with the list serving as a benchmark for assessing corporate strength [3][4] - The rise of modern service sectors such as internet and information technology services, finance, logistics, and business services is noted as a significant trend [3][4] Company Performance - Mashang Consumer has integrated digital inclusive finance into the broader economic framework, contributing over 10 billion in taxes and serving more than 220 million users [5][6] - The company has established a research team of over 3,400 members, accounting for more than 75% of its workforce, and has applied for over 2,700 invention patents [5][6] - The company has facilitated 943 million transactions, driving consumption exceeding 1 trillion [6] Social Responsibility - Mashang Consumer has initiated projects like "Smart Breeding" to support rural revitalization, generating over 15 million in additional income for farmers and creating over 1,600 jobs [7] - The company launched a free job assistance platform, "Yili Job," benefiting 670,000 users [7] - The introduction of the personal carbon account "Mashang Oasis" has engaged over 5.78 million users, promoting carbon reduction of over 8.33 million tons [7] Industry Outlook - The event emphasized the importance of large enterprises in leading the growth of modern service industries and the need for innovation to enhance the "China Service" brand [7] - Mashang Consumer aims to solidify its technological foundation and expand its service offerings in alignment with national goals for high-quality development in the service sector [8]
城与人的双向奔赴:以普惠金融之力,圆新市民城市安居梦
Nan Fang Du Shi Bao· 2025-08-25 01:45
Core Viewpoint - The article highlights the emergence of a new urban citizen group in China, referred to as "new citizens," who face significant challenges in accessing financial services due to their unique needs and lack of traditional credit history. The focus is on how companies like Mashang Consumer are innovating to meet these needs through technology and tailored financial products [2][3][4]. Group 1: New Citizen Demographics and Needs - The new citizen group has surpassed 300 million, accounting for over 20% of the national population, and includes various individuals such as migrant workers and recent graduates [2][3]. - This group is characterized by their "small, frequent, and urgent" financial needs, which are often unmet by traditional financial institutions due to high barriers to entry [5][6]. Group 2: Policy Support and Challenges - The Chinese government has implemented policies to enhance financial services for new citizens, aiming to improve their accessibility and overall well-being [4][5]. - Despite these policies, many new citizens still face real-world challenges, such as unstable employment and high rental costs, which complicate their financial situations [5][6]. Group 3: Innovative Financial Solutions - Mashang Consumer has integrated technology to break down barriers in financial services, focusing on flexible product offerings that cater to the specific needs of new citizens [6][7]. - The company has developed various loan products, such as "Consumption Upgrade Loan" and "Green Consumption Loan," to address the diverse financial needs of this demographic [6][7]. Group 4: Technology and Service Integration - Mashang Consumer employs a dual approach of "scene embedding and industry collaboration" to enhance service delivery, partnering with numerous online platforms and offline merchants to make financial services more accessible [7][8]. - The use of advanced technologies like AI and big data has enabled Mashang Consumer to create a digital risk control model, allowing for precise targeting of financial services to low-income and credit-invisible groups [9][10]. Group 5: Employment Support Initiatives - Recognizing the importance of stable employment for new citizens, Mashang Consumer has launched a free employment platform, "Yili Job," which has served millions and helped many find job opportunities [10][11]. - This initiative reflects the company's commitment to not only providing financial services but also supporting the overall integration of new citizens into urban life [11].
安逸花十年普惠金融持续发力 第三届用户开放日老用户现场分享暖心故事
Zhong Guo Jing Ji Wang· 2025-08-08 07:22
6月19日,马上消费旗下安逸花第三届用户开放日正式开启。来自全国各地的老用户齐聚一堂,共同回顾安逸花十年发展的历程。 "为谁哭过?最感激谁?靠谁?"在马上消费旗下安逸花第三届用户开放日现场,马上消费董事长赵国庆表示,创业十年,他始终铭记这三个问题,而这 些问题的答案指向广大用户。如今,马上消费注册用户量已达到2.18 亿,这份成绩源于用户的信任与选择。 面向下一个十年,赵国庆强调,马上消费将始终坚守初心,自立自强,以奋斗为纲,就像安逸花9年用户莫师傅说的一样:"做菜要用真材实料",做人 做企业更要有真材实料,马上消费也将用"真材实料"的产品、服务,用心服务好每一位用户。 图注:马上消费董事长赵国庆在安逸花第三届用户开放日上讲话 摄影:安安 马上消费总经理郭剑霓为安逸花品牌十年见证官——摔跤奥运冠军王娇授予身份徽章和安逸花十周年纪念奖牌,王娇感慨,看到用户的10年故事深有感 触,安逸花陪伴了如此多的奋斗者们,在他们追求更好生活的路上始终相伴同行。 图注:马上消费总经理郭剑霓为摔跤奥运冠军王娇颁发安逸花品牌十年见证官身份徽章 摄影:安安 自2015年上线以来,安逸花已经与用户相互扶持、相伴同行了十年,成为他们在关 ...
消金“卷”向自营
Hu Xiu· 2025-07-23 01:51
Core Insights - The consumer finance industry is experiencing significant growth, with asset scale and loan balance projected to reach 1.38 trillion yuan and 1.35 trillion yuan respectively by the end of 2024, reflecting year-on-year increases of 14.58% and 16.66% [1][2] - However, there is a stark disparity among consumer finance companies, with some achieving substantial growth while others struggle due to high customer acquisition costs and reliance on external traffic [2][4] Group 1: Industry Overview - As of 2024, Ant Group's consumer finance assets reached 313.75 billion yuan, while the smallest players, such as Jiexin and Jinmeixin, had assets of only 4.842 billion and 6.313 billion yuan respectively [2] - Many consumer finance companies primarily act as fund providers, relying on internet platforms and loan assistance platforms for customer acquisition, which leads to a degradation of their own risk control capabilities [3][4] - A report from the China Banking Association indicates that in 2023, only 27 out of 31 consumer finance companies engaged in online self-marketing, with only three companies exceeding a 50% self-marketing ratio [5][6] Group 2: Business Models and Strategies - The reliance on third-party platforms for customer acquisition has resulted in a lack of customer data retention within the companies' own applications, leading to a transactional relationship rather than a sustainable business model [4][8] - Some companies are beginning to shift towards self-operated models, utilizing media advertising and various internet platforms to acquire customers and retain data within their own applications [4][8] - Companies like Mashang Consumer Finance have achieved a self-operated customer acquisition rate of 75%-80%, contrasting with the industry average of over 50% reliance on third-party APIs [10] Group 3: Customer Acquisition Costs - The cost of customer acquisition has been rising, with the average cost per customer through short video platforms increasing from 1,300 yuan in 2020 to approximately 2,100 yuan by mid-2024 [19] - Some loan assistance platforms have reported customer acquisition costs nearing 3,000 yuan per person, highlighting the increasing expense of obtaining new customers [19] Group 4: Future Directions - Consumer finance companies face a critical decision point: whether to continue relying on external platforms or invest in self-operated strategies to enhance their customer acquisition capabilities [21] - The shift towards self-operation is seen as a long-term strategy, requiring significant investment and time to develop, contrasting with the more immediate gains from reliance on loan assistance platforms [20]