在国家大力号召金融提振消费、促进经济高质量发展的宏观背景下，7月4日，河南中原消费金融股份有 限公司（以下简称"中原消费金融"）宣布旗下大额消费信贷产品"柚卡"正式升级更名为"中原提钱花"。 消费金融作为金融体系的重要组成部分，在促进消费升级、助力实体经济发展方面发挥着关键作用。中 原消费金融作为河南省唯一一家持牌消费金融公司，积极响应国家政策号召，通过品牌升级进一步强化 自身服务能力和市场影响力，正是以实际行动践行金融服务实体经济、促进消费升级的使命。 此次品牌升级旨在提升品牌影响力与辨识度，进一步强化"中原"母品牌的市场认知。据了解，本次升级 仅涉及产品名称调整，"中原提钱花"APP的产品功能、费率、权益及相关服务流程均保持不变，既有的 合同文本效力及用户权利义务不受任何影响。 作为河南省唯一一家持牌消费金融公司，中原消费金融自2016年成立以来，致力于为广大消费者提供优 质、便捷、高效的消费金融服务，经过多年深耕，创新构建"线上+线下"全场景服务模式。旗下两大核 心产品——中原消费金融APP及柚卡APP，精准覆盖差异化客群的金融需求。其中，"中原消费金融 APP"为用户提供小额、便捷的线上信贷服务，全方 ...

Core Viewpoint - The consumer finance industry is accelerating the disposal of non-performing assets and issuing asset-backed securities (ABS) to replenish capital, driven by intensified competition, slowing economic growth, and declining asset quality [1][6]. Group 1: Non-Performing Asset Disposal - Consumer finance institutions are rapidly clearing non-performing assets, with a trend of "quick clearance and quick transfer" becoming the norm [2]. - Ant Financial recently listed a personal non-performing loan asset package with a total unpaid principal and interest of 600 million yuan, starting at a price of only 72.1 million yuan, reflecting a discount rate as low as 12% [2]. - The average overdue days for this asset package is 335.8 days, and it has been fully classified as a "loss" category [2]. - The average unpaid principal and interest balance for borrowers in a non-performing asset package is over 5,000 yuan, with an average of 2.62 loans per person [3]. - Institutions like Zhaolian Consumer Finance are adopting a "write-off and sell, all non-litigation" approach, transferring 464,693 non-performing assets with an average overdue period exceeding 600 days [3][4]. - The trend of low-price transfers of non-performing assets has become a common practice among consumer finance companies, with transfer volumes reaching historical highs [4]. Group 2: Asset-Backed Securities (ABS) Issuance - Consumer finance companies are accelerating ABS issuance to broaden financing channels, with a total of 15 ABS products issued by May 29, amounting to 7.458 billion yuan, a 45% increase compared to the same period in 2024 [6][10]. - The majority of ABS issued are personal consumption loan ABS, accounting for 72.4% of the total [6]. - The issuance rates for ABS have reached new lows, with some products like "25 Nanyin Fabai 1A" having a ticket rate of only 3.15% [6][9]. - Regulatory support is a significant factor driving ABS issuance, with the People's Bank of China encouraging consumer finance companies to issue financial bonds and expand the scope of securitizable assets [10][11]. - ABS issuance is seen as a cost-effective financing method, helping consumer finance companies optimize their liability structure and enhance capital resilience against risks [11].