Recently, the policy on consumer finance has been continuous, and the development of the industry has attracted much attention. The tide is just the time to sail. As the first consumer finance company controlled by a joint-stock commercial bank in China, Industrial Consumer Finance has always adhered to the concept of the parent bank Industrial Bank, insisting on "lending with sincerity" and practicing Pratt & Whitney, rooting in Bamin and spreading its branches and leaves to all corners of the country.
Up to now, the company’s exhibition area has covered more than 50 major economically developed cities in China, with accumulated loans exceeding 330 billion and accumulated customers exceeding 21 million. The compliance foundation has been continuously built, the service quality and efficiency have been steadily improved, the digitalization level has advanced by leaps and bounds, and the corporate image and brand have been deeply rooted in the hearts of the people.
Consumer finance is for the people and promotes development from the perspective of the masses.
If you have a goal in your heart and a direction under your feet, the more you know, the more you will do. At present, China’s financial and economic structure has undergone tremendous changes, from the previous investment to the current consumption-driven. After vicissitudes and changes in the consumer market, consumer finance has emerged from the booming consumer market, and its position in economic development has become increasingly important. Following the Central Economic Work Conference, the General Administration of Financial Supervision once again stressed: "To promote the consolidation and enhancement of the economic recovery, we must accelerate the development of consumer finance."
To be broad and subtle. Small and micro groups are "capillaries" in economic development, so consumer finance should help the economy grow steadily, and in the final analysis, it should take meeting the people’s growing needs for a better life as the starting point and the end result. Xingye Consumer Finance has always been committed to improving the consumption power and quality of life of domestic residents and helping the development of the real economy. It adheres to inclusive finance’s initial intention, adheres to the service concept of "standing on credit and lending with sincerity", and features differentiated operations at the grassroots level. It cooperates with each other online and offline, making consumer finance deeper, more detailed and more refined, innovating consumer financial products and services in diversified consumption scenarios, and striving to make development "temperature" and people’s happiness "texture".
Taking serving the new citizens as an example, doing a good job in financial services for the new citizens is a necessary measure to satisfy people’s yearning for a better life and promote the common prosperity of all people. Under the guidance of the Action Plan of Xingye Consumer Finance Co., Ltd. on Serving the Financial Needs of "New Citizens", Xingye Consumer Finance focuses on the new citizen groups, based on the three product systems of "family consumption loan", "talent development plan" and "career development plan", fills the gap, strengthens the position and provides excellent service, and sends the mind to the "doorstep" and the warmth to the "heart". "New citizens generally have financial qualification defects such as insufficient collateral assets and lack of credit information. On the basis of adhering to offline pro-nuclear and pro-visit, we linked online big data portraits, accurately positioned demand, and always paid attention to the practical difficulties of new citizens. By covering diversified and universal consumer financial products such as life consumption, further education and employment, we provided them with pure credit, unsecured installment loan services and exclusive service programs to help new citizens start a better city life." Industrial consumer finance staff said.
A branch and a leaf always care about the situation, and show their responsibility with "value symbiosis"
Seek good and far-reaching, and both righteousness and benefit will last for a long time. Xingye Consumer Finance inherits the parent bank’s genes, and in combination with the requirements of the regulatory authorities, while striving for its own healthy, sustained and steady development, it takes the initiative to assume more social responsibilities, and pays attention to putting back social and humanistic care into the connotation of sustainable development of enterprises through every good deed within its power.
The "Xingcai Plan", which has been launched for three years, is the "sustainable development sample" of Xingye’s consumer finance exploration. The project gives priority to public welfare, and "let every aspiring young person go to school and study hard" is the initial intention of Xingcai Plan. In addition to providing loans for higher education, a total of 1.5 million yuan has been donated for the revitalization of rural talents, which is used to set up the "Xingcai Plan Scholarship and Scholarship". Among them, scholarships have been distributed to 195 college students with financial difficulties, of which rural registered students account for 68.6%; Scholarship funds are specially designed to reward educators who work in rural primary schools and make important contributions to rural revitalization.
In addition to scholarships, Xingye Consumer Finance also relies on the Xingcai Plan to unite with the government and schools to build a public welfare base for the inspirational growth of talents, give full play to the linkage role of the government, society and industry, make use of the existing resource advantages, pay attention to the shaping of students’ inspirational character and the cultivation of correct employment values, help college students become the human resources needed by the market and society, and further broaden and extend the rising channels of graduates, so that it is better to give them a sword than a stick.
Embroider Gankun at the head of the tide, and drive the engine with "digital intelligence technology"
In the era of digital intelligence, the business logic of consumer finance is undergoing fundamental changes, from the competition of capital and price to the competition of ecology and technology, and the role of science and technology is accelerating from supporting and ensuring to leading development. Under this background, Xingye Consumer Finance took the lead in formulating the information technology plan in the 14th Five-Year Plan, and according to the strategic goal of "building a financial technology weapon to enable the company to develop at a high speed and with high quality", it planned a blueprint for digital architecture, covering the whole life-cycle consumer credit service, optimizing financial supply by relying on digital tools, and fully empowering business development and management, and the picture of "Digital Xingye" slowly unfolded.
In promoting high-quality development, Industrial Consumer Finance has broken the geographical limitations of physical outlets with the help of digital technologies such as the Internet, big data and artificial intelligence, and its service radius and coverage have been greatly expanded; Build automated and standardized risk identification, anti-fraud, post-loan collection and operation systems, and gradually improve operational efficiency; Identify and quickly respond to customers’ personalized service needs, and realize the networking of the whole business process, the automation of loan approval decision-making, and the normalization of 7×24-hour uninterrupted service. In terms of consumer rights protection, Industrial Consumer Finance actively explored the cross-domain cooperation of "digital finance+smart justice", put into operation the blockchain electronic deposit system, realized the data docking between the court case handling and the financial business system, reduced the burden of consumers’ proof, effectively realized data protection and consumer rights protection, and built a more efficient post-loan disposal channel to effectively resolve financial risks. At present, through the blockchain electronic deposit system and the Quanzhou Intermediate People’s Court, the company has realized the electronic deposit of credit in the whole process and cycle, automatically generating and submitting litigation materials in batches with one button, and has handled more than a thousand cases cumulatively, forming a good demonstration effect.
With its strong scientific and technological innovation ability and high service level, Xingye Consumer Finance won the "Tianji Award of Outstanding Consumer Finance Company in 2023" and was selected as the case of "Outstanding Brand Value Consumer Finance Platform in 2023".
Take root down and grow up. In the future, Societe Generale’s consumer finance will actively integrate into and serve the new development pattern, and stride towards high-quality inclusive finance with a more high-spirited attitude.
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