Core Viewpoint - Haier Consumer Finance Co., Ltd. successfully launched a "Technology Finance + Green Finance" sustainable development-linked syndicate loan of 900 million yuan, marking a significant collaboration with Qingdao Bank in promoting low-carbon transformation and sustainable development goals [1][2]. Group 1: Financial Developments - The syndicate loan attracted participation from urban commercial banks in Shandong Province, with Qingdao Bank acting as the lead arranger, showcasing its expertise in technology and green finance [1]. - In 2024, Haier Consumer Finance issued three phases of asset-backed securities (ABS) and issued 1.5 billion yuan in financial bonds, diversifying its financing channels to support business expansion [2]. - The ESG-linked syndicate loan model helps reduce financing costs and encourages consumer finance companies to fulfill social responsibilities and achieve sustainable development [2]. Group 2: Company Performance - As of December 2024, Haier Consumer Finance reported total assets of 29.348 billion yuan, total liabilities of 26.517 billion yuan, and equity of 2.831 billion yuan, with an annual revenue of 3.168 billion yuan and a net profit of 444.5 million yuan [3]. - The company has maintained profitability for ten consecutive years, driven by continuous investment in technology and risk control, with 59.41% of its 510 employees dedicated to these areas [3]. Group 3: Technological Advancements - Haier Consumer Finance has invested nearly 2 billion yuan in building its financial technology capabilities, establishing an intelligent operational platform that integrates marketing, user operations, risk decision-making, and asset management [3]. - The company has developed a financial technology system based on blockchain, cloud computing, big data, artificial intelligence, deep learning, and visualization modeling [3]. Group 4: Strategic Initiatives - The company has initiated an AI development strategy to create an "AI-First" decision-making and customer management system, aiming to enhance business processes and productivity [4]. - The "Smart Home Installment" product promotes green consumption by offering zero down payment, zero interest, and zero fees, significantly lowering the financial barriers for consumers purchasing home appliances [4][5]. Group 5: Environmental Commitment - Haier Consumer Finance integrates green principles into its operations, achieving a paperless and online process for appliance installment applications, thus reducing paper consumption and promoting a win-win for consumption and environmental protection [5]. - The company has expanded its business into various consumer sectors, including home appliances, education, and medical beauty, serving 3 million installment users and partnering with 11,000 merchants [5].