在当前经济持续回升向好的关键阶段，国家正通过适度宽松的货币政策和一系列扩大内需 的政策精准发力。中国人民银行强调落实落细相关货币政策，加强逆周期调节，并扎实做 好金融"五篇大文章"，以加力支持科技创新、提振消费、小微企业等重点领域。同时，国 务院近期也密集部署扩大内需政策，旨在全方位激发市场活力。 作为连接金融与消费市场的桥梁，消费金融以其小额高频、普惠金融的特点在助力居民消 费升级、推动实体经济发展等方面发挥了重要作用。截至目前，全国3 1家持牌消费金融公 司"百花齐放"——通过创新金融供给培育有效需求，共同构成了金融支持经济社会高质量 发展的拼图。但与此同时，严监管、日益激烈的市场竞争、消费需求仍有提升空间等系列 因素导致了消费金融降速增长，"高质量增长"愈发成为监管要求和行业发展的关键词。 在这一进程中，作为一家人工智能技术驱动的数字金融机构，马上消费金融股份有限公司 （以下简称"马上消费"），以创新和科技驱动发展，在合规框架内精准把握市场所需，走 出了一条自主科技创新与合规经营的稳健发展之路，并为行业探索出优质金融助力高质量 发展的独特路径和有益经验。 严监管、强竞争与精细化经营： 筑牢高质量发展根基 ...

Core Insights - The "2025 China Service Industry Top 500" list was released, with Mashang Consumer being recognized for the seventh consecutive year, highlighting its operational quality and technological strength [1][4][8] - The service industry is identified as China's largest sector and a key driver of economic development, with the list serving as a benchmark for assessing corporate strength [3][4] - The rise of modern service sectors such as internet and information technology services, finance, logistics, and business services is noted as a significant trend [3][4] Company Performance - Mashang Consumer has integrated digital inclusive finance into the broader economic framework, contributing over 10 billion in taxes and serving more than 220 million users [5][6] - The company has established a research team of over 3,400 members, accounting for more than 75% of its workforce, and has applied for over 2,700 invention patents [5][6] - The company has facilitated 943 million transactions, driving consumption exceeding 1 trillion [6] Social Responsibility - Mashang Consumer has initiated projects like "Smart Breeding" to support rural revitalization, generating over 15 million in additional income for farmers and creating over 1,600 jobs [7] - The company launched a free job assistance platform, "Yili Job," benefiting 670,000 users [7] - The introduction of the personal carbon account "Mashang Oasis" has engaged over 5.78 million users, promoting carbon reduction of over 8.33 million tons [7] Industry Outlook - The event emphasized the importance of large enterprises in leading the growth of modern service industries and the need for innovation to enhance the "China Service" brand [7] - Mashang Consumer aims to solidify its technological foundation and expand its service offerings in alignment with national goals for high-quality development in the service sector [8]