平安融易始终以"三省"服务为核心，用专业化解客户顾虑，用高效解决融资难题。依托"AI+O2O"线上 线下融合服务模式，自主研发的"行云2.0"AI智能借款系统以"零"文字输入、AI面对面服务"优势"，让 95%的小微客户在1.3小时内获得借款。同时，平安融易打破传统金融"等客上门"的模式，服务人员深入 基层一线，通过"前线团队实地走访+后台风控极速响应"协同机制，构建覆盖城乡的线下服务网络，致 力于深耕重点区域、重点行业小微客户需求，结合行业特点开展差异化经营、制定差异化产品，对小微 企业主开展全生命周期经营，真正实现"省心、省时、又省钱"的融资体验。 未来，平安融易淮安分公司将继续坚守服务初心，为更多像桂总这样的小微经营者提供"一站式""全方 位"的优质融资服务，为小微企业转型、产业升级注入更多金融活水。 "融资不求人，平安更省心"——这句服务承诺，在淮安物业经营者桂总的融资故事里，成为了实实在在 的经历。作为管理着七八个小区物业的负责人，桂总常年面临资金周转的需求，而平安融易凭借"省 心、省时、又省钱"的三省服务宗旨，一次次为他化解融资难题，成为其事业发展路上的坚实后盾。 时间回溯到2023年，彼时桂总因 ...

2025年，汽车金融政策加码、规模稳步增长，行业转向质效提升，2026年机遇将聚焦何处？ 12月12日-13日，由汽车金融大全APP主办的2025（第九届）中国汽车金融行业北京峰会顺利举办，600位汽车金融人齐聚一堂，涵盖银行、持牌汽车金 融公司、融资租赁机构、主机厂及产业链服务商等多元主体，就合规经营、科技赋能风控、跨境业务拓展等关键议题展开深度研讨，为2026年行业高质量发 展汇聚动能。 出海 汽车金融行业专家谢胜立谈及，国内汽车金融行业陷入低水平内卷，竞争聚焦于降价，导致企业利润微薄、发展不可持续，而海外市场尤其是新能源汽 车、商用车出口呈爆发式增长态势，是突破行业困局的关键方向。 他建议，在战略规划层面：企业需树立全球化思维与国际化运营决策，派遣团队实地调研落地，遵循"小型试行—大规模投资—本土化运营"的步骤，业 务落地需着眼未来两三年的长期布局。 业务推进原则需遵循"从易到难"、"生态协同"，以第一性原理为指导，明确目标市场、货源、合作品牌及贸易商，共建海外售后服务体系；核心要打造 属地化融资、数字化风控、本土化服务三大能力。 业务模式核心则要坚持"金融与销售一体"，不能脱离实体销售单独做金融，通过 ...

Core Viewpoint - The consumer finance industry is undergoing significant layoffs and cost-cutting measures due to the implementation of new lending regulations, which have negatively impacted high-priced off-balance-sheet business models [1][2][11]. Group 1: Layoffs and Cost-Cutting - A southern consumer finance company has initiated layoffs, particularly affecting certain business and back-office departments, as a direct response to declining business performance [1]. - Other consumer finance institutions are also expected to follow suit in reducing costs, indicating a widespread trend across the industry [2]. - The industry is experiencing a collective "balance sheet contraction," with multiple institutions lowering their lending targets and asset scales since September [7][11]. Group 2: Business Model Adjustments - The new regulations have forced companies to pivot towards on-balance-sheet lending models, such as car and home equity loans, as off-balance-sheet business shrinks [4][5]. - The short-term personal consumption loan balance in the industry has decreased by 365.2 billion, a drop of 3.6% since the beginning of the year, indicating a broader trend of contraction in consumer finance [9]. Group 3: Industry Challenges and Future Outlook - The consumer finance sector is facing intensified competition and a potential shakeout, with smaller institutions struggling to maintain growth while larger firms become more cautious in their operations [11][12]. - There is an expectation of further contraction in the industry, particularly during the upcoming Spring Festival, with predictions of additional declines in overall scale within the next five months [11]. - The risk associated with credit assets is rising, with some institutions reporting a 20-30% increase in credit asset risk, leading to higher provisions for bad debts [11].