● 李玉敏 李蕴奇 今年的中央经济工作会议将扩大内需作为明年排在首位的重点任务。作为聚焦消费的金融机构，消费金 融公司积极落实党中央关于扩大内需的决策部署，以金融力量促进消费潜力释放。 在宏观政策持续引导与金融机构精准发力下，消金行业正步入高质量发展新阶段。通过拓宽服务覆盖 面、强化科技赋能与深耕消费场景，消金公司有效打通内需循环脉络，为激发消费潜力、促进经济回升 向好提供了重要支撑。 助力扩大内需 提振消费 今年以来，政策不断加力，支持消金业务发展。3月，金融监管总局发布通知，要求金融机构发展消费 金融，助力提振消费。6月，中国人民银行等六部门联合出台《关于金融支持提振和扩大消费的指导意 见》，完善扩大消费长效机制，更好满足消费领域金融服务需求。8月中旬，财政部等部门发布《个人 消费贷款财政贴息政策实施方案》，这是中央财政首次明确对个人消费贷款进行贴息。12月，中央经济 工作会议提出，深入实施提振消费专项行动，引导金融机构加力支持扩大内需等重点领域。 "消金公司作为面向个人提供消费贷款及相关金融服务的非银行金融机构，应当聚焦于需求侧，从微观 角度发挥作用。"北京市盈科（西安）律师事务所合伙人孙波说。 中国邮 ...

"两年前一张信用卡忘了还，逾期800元，结果房贷被拒，那一刻，人生一片黑暗""4年前，有张信用卡欠款十几元一直还不进去，结果上了征信""3年半前 的逾期都还了，但记录会影响公积金贷款吗？" …… 各大社交平台上，类似的哀叹随处可见。在信用消费如影随形的今天，从信用卡到花呗，从"先用后付"到各类分期，我们享受着金融的便捷，却也不知不 觉中走在"刀尖"上。 截至2025年11月末，央行征信系统已收录了8.1亿自然人的信贷信息。然而，一次无心的疏忽、一条沉睡的信用卡逾期记录，都有可能在你人生最重要关 头——买房、创业贷款时轰然"炸裂"。 根据以往政策，这些"信用污点"至少要伴随你五年的时间，有些人为了"排雷"，购买所谓的"去污"服务，却掉入了更深的陷阱。 所幸，信用修复机制正在加快完善。12月22日，中国人民银行发布通知，实施一次性信用修复政策，支持信用受损但积极还款的个人高效便捷重塑信用。 "我的人生要重启了！"那些因临时周转困难而留下小额逾期记录的普通人，有望在2026年"轻装上阵"。 每一笔"花呗""白条" 都上征信 社交平台上，因"非主观恶意"而留下征信瑕疵的案例并不少见，其中不少发生在互联网平台的信用产品 ...

12月20日，在华尔街见闻和中欧国际工商学院联合主办的「Alpha峰会」上，蚂蚁数科AI原生事业部总经理王磊发表题为《探索金融AI深水区--大模型垂直 落地的实践与启示》的演讲。 他表示，随着DeepSeek、Qwen等开源基础模型的出现，行业大模型落地不再依赖昂贵的预训练，而是转向"后训练"模式。这一转变使得金融垂类模型的迭 代周期从数月缩短至两周，算力需求从"万卡"降至"百卡"，训练成本实现百倍级下降，大幅降低了产业应用门槛。 他认为，在金融等严肃产业落地AI，必须关注严谨性、专业性和遵从性。他强调，大模型无法完全避免幻觉，甚至随着推理能力提升幻觉可能增强。因 此，构建一套压制幻觉的体系和方法论，是面向垂直行业应用大模型的第一要务，必须守住安全底线。 他并指出，金融行业落地大模型的核心在于构建"可信智能体"，这需要三大基石：一是叠加行业数据的"金融大模型"作为大脑；二是补充时效性与私有数据 的"金融知识库"作为经验；三是连接业务系统的"金融工具集"作为双手，三者结合才能让AI像专业员工一样工作。 蚂蚁数科AI原生事业部总经理王磊还表示，大模型在产业中的应用不仅是一场技术革命，更是一次业务战略的重塑。他呼吁 ...

Core Viewpoint - The People's Bank of China has introduced a historic one-time credit repair policy aimed at individuals with overdue debts, allowing for the removal of negative credit records for certain overdue amounts, which is expected to benefit a large portion of the population and improve the overall credit environment [2][3][4][5]. Group 1: Policy Details - The policy allows for the repair of personal overdue information for amounts not exceeding 10,000 RMB from January 1, 2020, to December 31, 2025 [3]. - Individuals must repay their overdue debts in full between December 1, 2025, and March 31, 2026, to qualify for the credit repair [4]. - The policy applies uniformly across financial institutions and does not limit the number of overdue records that can be repaired [5]. Group 2: Impact on Individuals - The policy is seen as a lifeline for individuals with multiple overdue records, potentially allowing them to restore their credit status if they repay their debts within the specified timeframe [8]. - It is estimated that over 90% of the population may be covered by this policy, as most households do not have monthly mortgage payments exceeding 10,000 RMB [8]. - Young individuals burdened by short-term debts from consumer loans may also benefit significantly from this policy [9]. Group 3: Impact on Financial Institutions - The policy is expected to help banks reduce the rising non-performing loan rates, which have increased from 0.24% to 0.6% for major banks from 2021 to 2024 [12]. - By enabling credit repair, banks can better identify the true credit status of clients, thereby lowering information verification costs and enhancing the quality of inclusive financial services [34]. Group 4: Societal Implications - The introduction of this policy aims to alleviate the growing "credit anxiety" in society, as evidenced by the increase in daily credit report inquiries from 5.5 million in June 2019 to nearly 19.71 million by December 2025 [14][15]. - The policy reinforces the principle of "rewarding trust and punishing dishonesty," contributing to the construction of a more trustworthy society [35]. Group 5: Future Considerations - Experts suggest that the policy should evolve into a more permanent solution, addressing future economic fluctuations and natural disasters [27]. - There is a call for differentiated adjustments in mortgage rates and the optimization of debt restructuring mechanisms to further support financial health [39].

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy aimed at supporting individuals with damaged credit who are actively repaying their debts, allowing them to efficiently restore their credit status [1][4] Group 1: Policy Details - The credit repair policy adheres to three principles: a specific time frame (2020 to 2025), a maximum amount (individual overdue amounts not exceeding 10,000 RMB), and specific conditions (debts must be repaid by March 31, 2026) [2] - Individuals who repay overdue debts by November 30, 2025, will have their overdue information removed from the credit database starting January 1, 2026 [2] - The policy applies to various types of loans, including personal loans, housing loans, consumer loans, and credit cards, without charging any fees or requiring third-party agents [2] Group 2: Impact on Individuals - The policy aims to break the cycle of "once untrustworthy, always restricted," providing a pathway for those who have made mistakes but are willing to correct them [5][6] - It is expected to improve the core qualifications for personal credit applications, potentially increasing approval rates for housing and consumer loans [4][5] - The policy targets non-malicious, long-tail credit users, particularly benefiting young workers, individual business owners, and flexible employment individuals [6] Group 3: Benefits for Financial Institutions - The credit repair initiative encourages borrowers to repay overdue debts, which may help banks recover overdue loans and improve asset quality [7] - It establishes an incentive mechanism for debtors to repay their debts by setting a repayment deadline of March 31, 2026, aiding financial institutions in quickly recovering non-performing assets [7] - The policy also aims to eliminate illegal credit repair intermediaries by providing a free, automatic system for credit information processing [7][8] Group 4: Broader Social Implications - The credit repair mechanism is expected to enhance the social credit system by balancing punitive measures for dishonesty with benefits for trustworthiness [8] - It can alleviate social tensions caused by long-term credit issues, providing hope and promoting social harmony [8] - The policy is anticipated to stimulate consumer potential and economic vitality, allowing millions to access reasonable financial services, thereby boosting consumption and internal demand [8]

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy that allows individuals to automatically benefit from credit repair without the need for application or documentation submission [1][3]. Group 1: Policy Implementation - The one-time credit repair policy operates on an "automatic enjoyment" basis, meaning individuals do not need to apply or provide proof; the People's Bank of China will automatically identify and process eligible overdue information [3]. - The policy applies to various types of overdue loans, including personal business loans, housing loans, consumer loans, and credit cards, without distinction [3]. - All financial institutions connected to the central bank's credit system, including banks, small loan companies, and consumer finance companies, are included in the policy [3]. Group 2: Eligibility Confirmation - Individuals can confirm their eligibility for the policy through a three-step process: "check," "ask," and "recognize" [5][6]. - The first step, "check," involves obtaining a personal credit report through online channels or physical service points to see if there are any overdue records [5]. - The second step, "ask," encourages individuals to contact their loan institutions for clarification on overdue details and policy applicability [6]. - The final step, "recognize," emphasizes the importance of using official channels for resolving any doubts regarding eligibility to avoid scams [6].

12月18日，2025数据资产管理大会期间，由中国信息通信研究院和中国通信标准化协会大数据技术标准推进委员会评选的数据智能"星河"案例榜单正式揭 晓。蚂蚁消金实时交互式智能风控"小红花"和"多智能体协同的消费金融风控引擎"分别入选行业数智应用典型和智能体专项潜力案例。 多智能亿 十 � 重庆 中 & � 据悉，"星河"案例评选已经持续八年, 案例涉及电信、金融、政务、能源、制造等多个关键行业，评选结果被视为国内大数据技术落地应用的风向标。此次 蚂蚁消金两项风控成果同时入选，印证了其实践的行业标杆价值。 作为蚂蚁消金核心信贷产品，花呗已经上线运营10年，累计服务超4亿用户。此次入选的"小红花"风控，主要创新在于突破传统授信模式，通过整合用户交 互产生的高频信息，提升风控模型处理非结构化数据能力，构建专家模型系统，实现用户与金融机构在授信额度上的双向互动。 具体来看，用户可上传超1000种材料申请提升花呗额度，不仅可以提交导游资格证、护士执业资格证等《国家职业资格目录》认证证书，也可以提交人工智 能训练师、美甲师等新兴职业能力证书，甚至工牌照片、钉钉名片也可以成为佐证。这一模式让用户以更多样化的方式证明自身信用价 ...

消费是经济的"压舱石"，金融则为消费升级注入核心动能。当前，在货币宽松、消费贷贴息等政策加持 下，金融与消费深度融合，行业从规模扩张转向质量提升。二者协同构建"金融赋能—消费提质—经济 循环"的良性生态，成为扩大内需、稳增长的关键支撑。 2026年是"十五五"开局之年，"十五五"期间经济社会发展的主要目标之一是居民消费率明显提高。刚结 束的中央政治局会议对2026年经济工作定调，加大逆周期和跨周期调节力度，金融都将扮演重要角色。 李波涛表示，明年促消费政策继续加码，更重视服务消费。综合施策促消费方面，会延续几大方向：为 居民增收、减负、优化供给，这其中金融势必大有可为。 回顾2025年宏观经济看点，川财证券首席经济学家陈雳认为，从当前国家发展趋势角度来看，"新"是一 个突出的表现。不仅是新质生产力，更多的是新的业态以及在外围急剧变化下一些新的形势和新的应 对。在拉动经济增长的"三驾马车"里，消费依然是经济增长的"压舱石"。 同时，扩大内需被提升至战略基点高度，促消费、反内卷也双向发力稳定市场。科技创新、高端制造也 挑起了"大梁"，制造业持续加速向绿色化高端化智能化方向转型升级。"科技是第一生产力，拉动消费 是 ...

作为金融"五篇大文章"之一，普惠金融在展现其温度的同时，也面临着产品同质化、客群重叠的"红海"竞争。而市场的另一面，是新市民、银发经济、县域 消费、绿色生活等"新蓝海"的崛起，呼唤着与之匹配的金融服务。 普惠金融如何走出"红海"，助力"消费新蓝海"？12月11日，由中外企业文化、北京商报社主办的2025年度北京商业品牌大会金融消费专题论坛在北京召开。 会上，来自银行、保险、基金、消费金融机构的多名权威人士就这一话题展开热议。 从现行举措来看，银行深耕文旅、汽车等消费场景，进一步推动消费潜力；保险通过产品创新，提升中低收入群体的金融可及性；消费金融机构以普惠信贷 工具让"人找钱"变成"钱找人"；消费类REITs则超越简单收租模式，通过主动资产管理提升底层商业资产的客流与价值，进而反哺消费市场。随着全新挑战 出现，AI、大模型等科技为普惠金融带来更多可能。 金融"活水"精准滴灌消费场景 金融机构通过普惠金融释放消费潜力。银行、保险、基金、消费金融机构各司其职，将金融"活水"精准滴灌到每一个有需要的消费场景中。 众惠财产相互保险社董事长李静介绍，众惠相互陆续与车旺大卡、中交兴路等业内领先平台合作，探索从相互保险治理 ...

从"人找钱"，到"钱找人" "蚂蚁消金一直扎根普惠金融，愿景是让每一位认真生活的人都能享受到温暖的金融服务。"会上，王彦敏介绍，花呗已经连接4000多万商家，无论是线上购 物还是线下消费，从街边小店到品牌商家，都支持花呗支付。截至目前，蚂蚁消金累计服务超4亿消费者，其中涵盖1.27亿新市民。 王彦敏称，即便在金融服务相对便捷的当下，初入社会的年轻人、外卖小哥等新蓝领群体，对低利率普惠金融服务的需求仍未被充分满足。蚂蚁消金要做 的，是把"人找钱"的被动服务，转变成"钱找人"的贴心服务。 这是一个真实案例：一位刚入职的外卖员，想花4000元买辆电动车接单。需求很合理，这是他未来赚钱的"工具"，可他刚上班，没收入证明，按传统方式很 难快速拿到信贷支持。但当他打开支付宝用花呗支付时，系统秒到临时额度，当场就买。 背后的关键，是AI大模型升级了场景风控系统。王彦敏介绍，传统风控看的是收入、资产、信用记录等"标准化数据"。但外卖员的合理需求怎么体现？现在 蚂蚁消金的AI能像"火眼金睛"一样，在交易瞬间捕捉用户、商家、商品等多元信息：知道这是外卖员买工作用车，是能产生稳定收入的合理消费，所以迅速 做出信任决策。 当AI能读 ...