刚刚过去的国庆、中秋"双节"，又迎来一波消费热潮，各地文旅、餐饮、家电等领域均有收获。根 据文化和旅游部消息，2025年全国国庆文化和旅游消费月活动一直持续到10月下旬；从各地举措来看， 不仅是延长活动时间，各种消费惠民举措也层出不穷。在这一背景下，消费金融公司纷纷行动起来，将 节日促销活动变成更多常态化的举措，为提振消费贡献力量。 发力"双节" 今年10月1日至10月8日，马上消费服务新用户35.16万人，新增交易额达45.75亿元；海尔消金接入 银联云闪付，"国企双补"多重优惠，其"0首付、0利息、0手续费"的智家分期服务覆盖地更广、覆盖家 电产品更全，智家分期累计放款额、放款笔数都较去年同期大幅增长。 "'双节'期间，太原、石家庄、郑州、青岛、沈阳等20多个城市的海尔专卖店开展家电促销活动， 分期服务加上'国补'成为更多消费者的组合购买方式。"海尔消金相关负责人说。 数据背后，是消费金融公司的持续探索与提前布局。据了解，今年国庆、中秋"双节"期间，消费金 融公司在场景端聚焦家电、文旅、绿色消费等重点领域，在渠道端着重发力线上自营，如利用App推出 多项活动吸引消费者参与。 建信消费金融App的家电以旧换 ...

Group 1: Digital Transformation in Consumer Finance - The implementation of the "High-Quality Development Implementation Plan for Inclusive Finance" aims to establish a comprehensive inclusive financial system within five years, promoting common prosperity [1] - Financial institutions are focusing on technology finance, green finance, and digital finance to enhance service quality and support economic development [1] - Companies like Ma Shang Consumer Finance have built a research team of over 3,200 people, representing more than 70% of their workforce, and developed over 1,000 core technology systems [2][3] Group 2: AI and Technology Integration - Haier Consumer Finance has invested 2 billion yuan in technology research and development, with over 70% of its workforce dedicated to technology [3] - The introduction of AI-driven models, such as "Zhaolian Zhilu," enhances financial service efficiency and user experience [2] - Companies are transitioning from labor-intensive to intelligence-intensive models, fundamentally changing the logic of financial services [3] Group 3: Risk Management and Innovation - Centralized risk management models combining data, algorithms, and strategies are being established to enhance risk identification and fraud prevention [5] - Companies are actively applying for patents and developing software to support their technological innovations, with a total of 146 patents filed by one company [4] - The focus on digital transformation is aimed at optimizing business processes and improving service experiences in a competitive market [5] Group 4: Inclusive Finance and Consumer Services - Licensed consumer finance institutions are designing differentiated products to lower service thresholds and enhance accessibility [6] - Companies like Zhongyuan Consumer Finance have served over 3 million new citizens, providing loans exceeding 4.7 billion yuan [6] - Ma Shang Consumer Finance targets new citizens and students, offering flexible small retail financial products and achieving over 2 billion users by the end of 2024 [7] Group 5: Green and Elderly Finance - Consumer finance institutions are integrating green finance initiatives to support sustainable development and promote green consumption [8] - Innovations in elderly finance include identity verification systems and financial literacy programs to protect older adults from fraud [9] - Companies are leveraging technology to enhance financial services for rural populations, improving access to credit [10]