Core Viewpoint - The emergence of a new demographic group of approximately 300 million "new citizens" has become a focal point for financial institutions, prompting them to develop targeted financial products and services to meet their needs in areas such as entrepreneurship, employment, and housing [1][3]. Group 1: Financial Institutions' Initiatives - Various financial institutions, including banks and insurance companies, are actively entering the new citizen service sector, launching innovative products and services tailored to the needs of this demographic [2][3]. - The Bank of Communications has introduced an action plan to enhance financial services for new citizens, focusing on entrepreneurship, employment, housing, education, healthcare, and elderly care [2]. - Postal Savings Bank has released a comprehensive financial service plan for new citizens, aiming to create customized financial products [2]. - Ping An Bank has launched specific financial solutions for delivery workers, providing affordable benefits and convenient services [2]. Group 2: Support for Entrepreneurship and Employment - Financial institutions are implementing special loans and support measures to facilitate entrepreneurship among new citizens, addressing their funding challenges [4]. - Postal Savings Bank offers priority access to small loans for new citizens seeking employment or entrepreneurship, with favorable interest rates and simplified application processes [4]. - China Bank's Beijing branch has introduced a dedicated service plan for entrepreneurial loans, offering up to 3 million yuan with a maximum term of 2 years [4]. Group 3: Housing Support Initiatives - The financial services for new citizens also emphasize housing needs, with policies aimed at optimizing housing finance and increasing the supply of affordable housing [7][8]. - Several banks, including Industrial and Commercial Bank of China and China Construction Bank, are collaborating with local governments to provide financing for affordable housing projects [7]. - Qilu Bank has introduced a housing loan product specifically for new citizens, offering interest rate discounts for certain groups like recent graduates [7][8].

出品 | 妙投APP 作者 | 董必政 头图 | AI制图 在网贷为主的消费金融赛道中，凭借独特的线下业务模式，兴业消费金融曾一度创造亮眼业绩，成功跻身行业头部阵营。2022年，公司营收首次突破百亿大 关，达到101.35亿元，净利润高达24.93亿元，稳坐行业第一梯队。 然而，最新财报数据如同冷水浇头——营收下滑、利润暴跌、资产规模缩水。2024年，兴业消金实现营业收入100.67亿元，同比下降10.36%；净利润更是从 2023年的20.72亿元骤降至4.3亿元，降幅高达79.25%。 昔日辉煌似乎笼罩上一层厚重迷雾。是什么让这家曾高歌猛进的消费金融巨头陷入发展困境？兴业消金又将如何实现转型突围？ 一、主打线下 作为"银行系"消费金融的老二，2024年兴业消金总资产为821.22亿元，仅次于招联消金。 回顾发家史，兴业消金成立于2014年，其控股股东兴业银行的持股比例高达66%。与主打线上的招联消金不同，兴业消金聚焦于线下大额贷款。 其线下消费贷最初聚焦个体工商户等传统银行服务不足的群体。这类客户信用记录缺失、线上风控数据不足，需通过线下面对面尽调降低风险，如收入核 实、资产查验。随着经济环境变化，兴业消 ...