近日，中邮消费金融公司在成立十周年之际发布数据，2020年至今已累计为23.85万名客户提供了专项 息费减免、展期、信贷支持计划等专项服务。截至2025年10月末，公司累计服务新市民等重点客群1857 万人，放款规模突破1万亿元，普惠覆盖面逐步扩大。 中邮消费金融积极运用大模型助力普惠金融。在客服方面，公司基于大模型与客服数据、内部业务流程 规范的有机结合，构建了一套完整的智能坐席助手体系，客户意图识别准确率达98%，满意度也得以提 升。此外，智能数字人"邮小宝"也是典型案例。它不仅有高度模拟真人的形态、行为和情感表现，为客 户提供更为愉悦和舒适的服务体验，还能实现7*24小时不间断服务，快速响应、及时解决客户问题，全 方位提升客服质效。 在风控方面，中邮消费金融构建了"视觉反欺诈+图谱反欺诈+多模态反欺诈+风险规则反欺诈"四位一体 智能防御体系，该体覆盖中邮消费金融贷前准入、贷中审批、贷后管理全流程，在营销薅羊毛检测、身 份核验、团伙欺诈识别等关键场景实现突破，应用成效显著。该系统年均成功拦截风险交易超百万笔， 挽回欺诈损失金额数亿元。 中邮消费金融推动营销模式向"数据驱动+智能决策+闭环迭代"的精细化、自 ...

Core Viewpoint - China Post Consumer Finance Co., Ltd. has established itself as a significant player in the consumer finance sector over the past ten years, focusing on inclusive finance and leveraging technology to enhance service delivery [1][2]. Group 1: Company Overview - Established in November 2015, China Post Consumer Finance aims to provide inclusive financial services across various consumer scenarios, including digital products, travel, education, and home decoration [1][4]. - The company has developed over a hundred application systems and engaged in various social responsibility initiatives, including education and anti-fraud campaigns [1][2]. Group 2: Inclusive Finance Strategy - The concept of inclusive finance has been emphasized since the Central Financial Work Conference in October 2023, positioning it as a key driver for high-quality development and service to the real economy [2]. - China Post Consumer Finance has created a product system centered around "You Loan," which covers multiple consumption scenarios and has upgraded its "China Post Wallet APP" to enhance user experience [4]. Group 3: Financial Performance - As of October 2025, the company has served 18.57 million key customer groups, with a loan issuance scale exceeding 1 trillion yuan [5]. - Since 2022, the comprehensive loan pricing has decreased by 4.53% compared to the end of 2021, reflecting the company's commitment to lowering costs for consumers [4]. Group 4: Technological Innovation - The company has developed the "You Vision" model to enhance service efficiency, achieving significant improvements in internal processes and customer experience [5][6]. - It has implemented a comprehensive intelligent defense system for fraud prevention, covering the entire loan process from approval to management [6][8]. Group 5: Consumer Rights Protection - China Post Consumer Finance actively promotes consumer rights protection through financial education initiatives, targeting key demographics such as the elderly, youth, and new citizens [9][11]. - The company has conducted nearly 20 creative anti-fraud public welfare activities since 2021, reaching over 100 million consumers [11]. Group 6: Social Responsibility - Beyond consumer rights protection, the company is involved in rural revitalization efforts, utilizing multi-dimensional agricultural data to enhance financial services for rural customers [11]. - The company aims to continue innovating and enhancing financial experiences while maintaining a commitment to social responsibility and sustainable development [11].