在公司运营方面，大力推进互联网线上贷款业务发展，取代以纸张为载体的传统信贷流程，减少纸张浪费，低 碳运营，截至 2024 年底，公司线上贷款余额占比达 89%以上，逐渐进入无纸化发展模式；同时，积极推进数 智化办公，引入无纸化办公系统，在日常办公中提倡使用0A系统办公、循环使用办公用品等绿色行为，将低碳 理念融入组织运营细节。 2025年上半年，中邮消费金融以扎实的业务实践充分展现了社会责任与业务发展的深度协同。未来，中邮消费 金融将继续紧扣金融"五篇大文章"，助力消费金融行业迈向健康、可持续、高质量的发展新阶段。 中邮消费金融 PSBC CONSUMER FINANCE 中邮消费金融秉持"科技为先"理念，持续深化科技创新与系统建设。截至2025年6月末，公司已获授权专利104 项，软件著作权121项，90%以上的应用系统为自主研发，日均可处理百万级贷款审批，效率较之前提升数十 倍。 在人工智能领域，公司针对业务特点和技术创新打造的大模型"邮远见"以及智能数字人"邮小宝"，广泛应用于 客户服务、风险管理、营销运营以及智能办公等场景，显著提升服务效率与用户体验。在风控领域，公司构 建"视觉反欺诈+星网反欺诈+多 ...

中邮消费金融积极践行金融"五篇大文章"，深耕普惠金融、数字金融、绿色金融领域，扎实推进ESG治理体系 建设，以持牌消费金融机构的责任担当，为行业高质量发展提供了可借鉴的实践范本。 坚守普惠初心 激发消费活力 作为邮储银行发起设立的全国性持牌消费金融机构，中邮消费金融成立近十年来，始终秉持"金融为民"理念， 致力于提升金融服务的可得性与覆盖率。目前，公司构建了以"邮你贷"为核心，覆盖3C数码、旅游、教育、家 装等诸多消费场景的产品体系。同时，"中邮钱包APP"完成焕新升级，贷款流程精简至3步，专业术语通俗化处 理，大幅提升用户操作体验，降低金融服务使用门槛。 中邮消费金融持续推动普惠金融落地，通过"降利率、扩供给"双向发力，将金融服务延伸到更多客户群体。 2025年上半年公司贷款综合定价较上年末下降21个基点，发放1038亿元普惠贷款，为2.53万名客户提供了专项 息费减免、延期、展期、信贷支持计划和调解服务。此外，公司创新"消费金融+"异业合作模式，先后与广百 家电、广东银联、曹操出行等多家企业开展跨界合作，推动金融服务与实体服务场景深度融合，进一步激发消 费活力。 在人工智能领域，公司针对业务特点和技术创新 ...

中邮消费金融持续推动普惠金融落地，通过"降利率、扩供给"双向发力，将金融服务延伸到更多客户群体。 2025年上半年公司贷款综合定价较上年末下降21个基点，发放1038亿元普惠贷款，为2.53万名客户提供了专项 息费减免、延期、展期、信贷支持计划和调解服务。此外，中邮消费金融创新"消费金融+"异业合作模式，先 后与广百家电、广东银联、曹操出行等多家企业开展跨界合作，推动金融服务与实体服务场景深度融合，进一 步激发消费活力。 未来，中邮消费金融将继续紧扣金融"五篇大文章"，努力构建更加便捷、高效、普惠的金融服务体系，为人民 群众提供更加个性化、多样化、品质化的消费金融体验。 近日，随着中国邮政储蓄银行2025年半年报正式发布，中邮消费金融有限公司（以下简称"中邮消费金融"）上 半年业绩也同步揭晓。凭借精细化运营与创新驱动，中邮消费金融交出了一份"规模与质量双升、责任与发展 并行"的答卷——报告期内实现营业收入39.72亿元、净利润6.33亿元，净利润同比大幅增长165.97%。在业绩稳 健增长的背后，中邮消费金融积极践行金融"五篇大文章"，以持牌消费金融机构的责任担当，为行业高质量发 展提供了可借鉴的实践范本。 ...

Core Viewpoint - The collaboration between China Post Consumer Finance and the "My Changsha" government platform represents a significant step in integrating consumer finance services into public service applications, enhancing accessibility and convenience for users while aligning with national policies to boost consumption and domestic demand [1][2]. Group 1: Channel Expansion - The partnership with the "My Changsha" platform is a crucial move for China Post Consumer Finance to build its "China Post Consumer Finance+" ecosystem, enhancing business autonomy and tapping into localized consumption scenarios [2]. - Utilizing the high credibility and strong user engagement of the government platform, the company aims to improve service efficiency and user experience through big data risk control, enabling features like "one-click application, real-time approval, and quick disbursement" [2]. Group 2: Customer Segmentation - China Post Consumer Finance is focusing on refined operations for key customer segments, launching targeted marketing activities to activate consumer potential [3]. - Specific initiatives include the "Progressive Dream Building" campaign for career-advancing customers, offering interest discounts and rewards, and the "Worry-Free Start" plan for new entrants to the workforce, providing interest-free vouchers and support packages [3]. - The company has established a regular marketing system with initiatives like "Meet You Loan Gifts" and seasonal campaigns, such as the "Golden Autumn Festival Benefits" for the upcoming holidays, to meet users' consumption and travel needs [3]. Group 3: Industry Challenges - Providing financial services on high-credibility platforms like government apps poses stringent requirements for risk control, consumer rights protection, and data security [4]. - The balance between convenience and security, as well as commercial viability and inclusivity, remains a critical challenge for China Post Consumer Finance and its peers in the industry [4].

Core Insights - Zhongyou Consumer Finance officially joined the "My Changsha" government service platform, enhancing its "Zhongyou Consumer Finance +" ecosystem and providing over ten million residents with direct access to credit services for various consumption needs [1][2] Channel Expansion - The collaboration with "My Changsha" is a significant step in expanding channels and enhancing business autonomy for Zhongyou Consumer Finance, leveraging the platform's credibility and user engagement to improve local consumption scenarios [2] - The company has partnered with over a hundred enterprises, including Guangbai Appliances and Guangdong UnionPay, to explore new consumer finance service formats and promote innovation in the industry [2] Customer Segmentation - Zhongyou Consumer Finance is focusing on precise operations for key customer segments, launching targeted marketing activities to activate consumption potential [3] - Special campaigns like "Progressive Dream Building" offer interest discounts and rewards for career-advancing customers, while the "Sailing Worry-Free" plan provides interest-free vouchers for new entrants to the workforce [3] - The company has established a regular marketing system with initiatives like "You Loan Meeting Gift" and seasonal promotions to meet users' holiday consumption and travel needs [3]

Core Insights - 中邮消费金融 reported a significant increase in net profit by 165.97% year-on-year, achieving a net profit of 633 million yuan and operating revenue of 3.972 billion yuan in the first half of 2025 [1] - The company actively promotes inclusive finance, digital finance, and green finance, contributing to high-quality industry development through its ESG governance framework [1] Group 1: Financial Performance - The company issued 103.8 billion yuan in inclusive loans, providing financial support to 25,300 customers through various relief measures [2] - The comprehensive loan pricing decreased by 21 basis points compared to the end of the previous year [2] Group 2: Technological Innovation - 中邮消费金融 has developed the "邮远见" AI model and "邮小宝" digital assistant to enhance customer service, risk management, and operational efficiency [3] - The company holds 104 authorized patents and 121 software copyrights, with over 90% of its application systems being self-developed, significantly improving loan approval efficiency [2] Group 3: ESG Initiatives - The company integrates green concepts into its operations and consumer finance, promoting green consumption and supporting national carbon reduction goals [3] - Initiatives like the "广东家电以旧换新叠优惠" campaign and the "邮邮森林" feature incentivize users to engage in environmentally friendly behaviors [3] Group 4: Operational Efficiency - 中邮消费金融 is transitioning to a paperless operation model, with over 89% of its loan balance being online by the end of 2024 [4] - The company promotes low-carbon practices in daily operations, including the use of a paperless office system and recycling office supplies [4]