消费是经济的压舱石、主引擎。 党的二十届四中全会明确指出，坚持扩大内需这个战略基点。 中国银行业协会数据显示，截至2020年年末，消金公司资产规模首次突破5000亿元，而这一数据到2024 年末已经扩大至13848.59亿元，为8543万人次县域客户提供普惠金融服务，并通过减免利息、延期还款 等方式切实纾困解难。 中银消金相关负责人表示，未来将紧紧围绕扩大内需有关部署，根据民生领域消费需求，优化产品与服 务，提供更加普惠便捷的消费信贷支持，有效降低消费门槛，激发消费潜能。 中邮消金表示，将进一步深化乡村金融服务，通过接入多维度涉农数据，与专业机构创新"三方合作"模 式，将信贷服务有效渗透至农村电商、农产品加工等领域，为乡村振兴注入源源不断的金融动力。 马上消费相关负责人表示，未来将推动普惠金融与生活消费、生产经营、教育培训、医疗健康等多类场 景深度融合，使群众能够切身感受到金融服务无处不在，实现金融服务"零距离"。 值得注意的是，为了让消费金融服务范围扩大，消金公司已经展开了行动。 例如，马上消费将服务重心下沉，重点关注农民、小微企业主、个体工商户、新市民等群体，推出更有 针对性的金融产品与服务模式。同时，通 ...

Core Insights - Consumption is a key driver of economic growth and has seen increasing contributions due to a series of policies aimed at expanding domestic demand during the "14th Five-Year Plan" period [1] - The consumer finance sector has experienced significant growth, with total assets and loan balances reaching 13,848.59 billion yuan and 13,456.03 billion yuan respectively by the end of 2024 [1] Group 1: Industry Growth and Development - As of 2024, consumer finance companies have served 85.43 million county-level customers, addressing the needs of previously underserved groups [2] - The application of emerging technologies such as AI, big data, and blockchain has been pivotal in expanding customer reach and service offerings [2] - Consumer finance companies have filled gaps left by traditional financial services, providing tailored financial solutions to specific demographics like new citizens and young consumers [3] Group 2: Product and Service Innovations - Companies like Mengshang Consumer Finance have launched specialized credit products for new citizens, resulting in the issuance of 65.398 billion yuan in consumer loans by September 2025 [3] - Zhongyin Consumer Finance has focused on high-education and salaried customer segments, issuing 129.681 billion yuan in loans for amounts below 100,000 yuan, marking a 19.61% year-on-year increase [4] Group 3: Regulatory Environment and Compliance - The consumer finance industry has evolved over 15 years, transitioning from rapid expansion to a focus on high-quality development and compliance [5][6] - Regulatory measures have been implemented to enhance transparency and protect consumer rights, including the prohibition of misleading lending practices [7] - The introduction of the "Consumer Finance Company Management Measures" in March 2024 has set higher compliance standards for the industry [7] Group 4: Technological Empowerment - Technology has become a crucial tool for consumer finance companies to enhance compliance and operational efficiency, particularly in risk management and customer service [8] - Companies like Zhaolian Consumer Finance have developed advanced systems for real-time data processing, improving risk management capabilities [8] - The integration of AI in customer service has streamlined processes, enhancing the overall consumer financing experience [8]