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Industrial Consumer Finance： Value Symbiosis, Good and Far-reaching.

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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＂Fireworks＂ went to Yaoxi to grow tea

There is a big ginkgo tree in Yaoxi, which stands upright in the autumn wind and is magnificently set by the blue sky. The golden leaves return to their roots and form a circle under the tree, which is called beauty. Behind the hillside, there are green bamboos as foil, just like the ladies-in-waiting of the empress. White walls and black tiles in the middle, strewn at random, and taking photos, it can praise a large piece.
Although I am not a mountaineer like me, I am married to the "knower" who used to be a mountaineer, and I understand that the more beautiful this place is, the more lonely it is.
However, it still belongs to Hangzhou, where there is paradise above and Suzhou and Hangzhou below. Yaoxi is located in the northwest corner of Tonglu, Hangzhou, 76 kilometers away from the county seat. It is the most remote administrative village in Hecun Township and is located at the junction of three counties. If a chicken stands at the entrance of the village and screams, Tonglu, Chun ‘an and Lin ‘an counties can all hear it, which is called "Jiming Three Counties". If this chicken lays an egg and unfortunately rolls down the hillside, who knows which county it wandered to? The villagers in the three counties never care about such trivial matters. They have lived here for generations, without dispatching, quarreling or fighting, which is a bit of a "peach blossom spring" temperament.
I brought my tea culture team to Yaoxi, just to visit tea in Laocrow’s Nest and worship tea in Micro Tea House. It was the old village chief who took me to the crow’s nest a few years ago. There are no crows in the crow’s nest. I heard that in the past, it was so dark that it flew out during the day and "dark clouds crushed the city to destroy it". At night, it turned back and the top of the mountain was dark. I don’t know when it started, but the old crow suddenly disappeared, and there was no one left.
Thousands of acres of tea gardens also disappeared. Once upon a time, they were very healthy, shaded by sunny cliffs, covered by bushes and bamboo forests, and truly diffused light through them. Although there are no tea gardens on the sloping land of yellow soil, clusters of tea tents in the bamboo forest are old and short, and they are still stuck there, and their temper is with the bamboo roots, and they are also convinced that Qingshan does not relax.
The remaining teapots were planted in the 1950s and 1960s, but they seem to be called ancient tea trees. It turns out that ancient tea and wild tea are two concepts-only a truly self-growing tea tree can be called a wild tea tree. The tea in Yaoxi is not wild, but it can still be called "ancient tea". Dr. Liang Huiling of our team built a doctoral workstation here. Her major is breeding.
Chen Yafei, the secretary of Yaoxi Village, is a local, young and beautiful. She married outside the mountain. When the child was only half a year old, she lived back in the mountains and became a college student village official. She is going to do a big thing now: restore the tea mountain in Laocrow’s nest. The village found me as a "country sage", and let me connect this wooden tip.
I’ve been here many times for this tea. I’ve seen dogwood, yew, wild flowers, long-lost luhua chicken and manly rooster. It’s nothing, but I’ve seen groups of macaques, which should be rare. The monkeys roared, imposing, and unscrupulously ran into the villagers’ kitchens, and opened the cupboard door to eat. They also collaborate with wild boar to harass human beings. Wild boar is responsible for arching the ground, and monkeys are responsible for planing sweet potatoes and corn. Fortunately, they don’t eat tea, so I don’t care about them. They can do damage, but the villagers never interfere. Let them toss, wild animals should be protected.
In order to grow tea, we first renovated a crumbling and dilapidated auditorium into a micro-tea manor loved by the villagers. The construction company was responsible for the construction and production with the money from the village and the design ideas from the team. I specifically asked to build a big fireplace. Imagine that when the mountains are closed by heavy snow in winter, the villagers gather here, chatting, baking sweet potatoes and watching the heavy snow outside the window. Isn’t it romantic? Of course, this is my romance for them, but they may not think so themselves-the days in the mountains are too cold and cheerless, and the villagers need lively popularity.
Ancient villages have been built here for thousands of years. Fiona Fang is 20 miles, with more than 200 farmers and a population of more than 600. Along the stream, the green hills are green and green, and the winding water meanders. If you stroll through the valleys, you will see a long green screen. The villagers here are mainly named Chen, Lu, Wu and Cai, all of whom have migrated. Why did the ancestors of Yaoxi Village run into such a deep mountain? This is related to the Fang La Uprising in the late Northern Song Dynasty. At that time, there was a Muzhou secretariat named Chen, a native of Xuzhou. When he saw that the peasant uprising had nowhere to escape, he simply hid in this deep mountain. After all, they are educated people. When the sun and the moon grow in this mountain, they have not forgotten to study. As soon as the situation was peaceful, a private school teacher named Lu was invited to teach the Chen family. Who knows that Mr. Lu is teaching books here, and he is gradually fascinated by this paradise, so he simply stays here and settles down. Later, Wu’s surname also came, and Cai’s surname also came. Everyone lived quietly next to each other, lived, worked, and prospered, and never fought with each other. For thousands of years, they have respected teachers and attached great importance to education, cultivated and read their families, advocated thrift and mutual help, and turned into a civilized village with simple folk customs and talented people. These 200 farmers have successively tested more than 100 college students, walked out of the mountain gate and walked into the vast world. The ancestor of the satrap level, the context is really not nonsense.
We have developed tea culture together here for several years. At the end of the other day, we decided to go to see it again. This time, I brought a lot of delicious food, books, and oil from authentic tea seeds. I specifically told my classmates to take pictures of the smiling faces of the villagers and make a smiling face wall. Who knows that it snowed heavily the other day, and two old people in the village slipped, so the plan had to be postponed. One, two, but three, this time all the way, we finally arrived at the micro-tea manor at the entrance of the village.
But when I saw a group of elderly people sitting under the plaque inscribed by Mr. Yao Guokun, a leading figure in the tea industry, I didn’t understand why. I quickly shouted: How can we let the old people sit at the door? Help them in quickly! Don’t freeze. Professor Wang Changjin, who came with me, stopped me and said, Old people like to sit in the sun at the door. My mother is like this. Professor Wang’s hometown is not far from here. He is an expert on genealogy. I specially invited him to tell the villagers about the past. But I sat down and looked intently. My goodness, how can this be said? Whether they can hear or not is still a question. It turns out that these old people are from seventy to ninety, and all who can come are here. What about young people? The youngest took the children to work and study in the city, the older ones went to do business, and the sixties went to Laocrow’s Nest to plant tea seedlings.
I remember that spring, the old village head led me to Laocrow’s Nest, pointing out small tea fields in the east and west, and told me that there used to be thousands of acres of tea gardens here. The summer before last, we sweated up the mountain and poked the ground with bamboo poles to observe the soil quality. I went to ask Weng Kun, a tea planting expert, what kind of tea to grow. He said that plum is the best for tea growing on a hillside of 45 degrees. After planting the tea seedlings, let me name the tea. I thought that because the green tea was picked late in the mountains, experts suggested making black tea, and so many children in the mountains passed the exam. They had to drink tea to stay up late, so I simply made up a story and read tea at night. Let’s call it "Yaoxi Tea". What’s the name of the green tea? I said: since one is called "tea", the other is called "green sleeves". When I saw Chen Yafei this time, she told me excitedly: Miss Wang, our tea name is registered!
The village has just opened up another 300 mu of tea garden in Laocrow’s Nest, and laborers in their sixties are working on the tea slope at the moment. And people in the city should retire at the age of 60. Professor Wang said that this will be a new rural lifestyle. Young people will go to work in the city, and when they are old, their leaves will return to their hometowns. In the future, the countryside will be a big nursing home, which will be responsible for the elderly to spend their twilight years.
This statement made me particularly fresh and asked the old people: Do you like coming to this micro-tea manor? They nodded and replied: Come on, come on, let’s sit here at night, have tea and chat. It’s pleasant.
(Author: Wang Xufeng, professor of Zhejiang Agriculture and Forestry University, former vice chairman of Zhejiang Writers Association)
Source: Guangming Daily (January 8, 2024, 01 edition)
Cover: Tonglu County People’s Government Website
Editor: Zhang Yongqun
Editor: Zhang Xueyu Xing Yanyan
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0-1！ 1-1！ A crazy night in the Premier League： Arsenal sent Manchester City to win the championship ahead of schedule, and Liverpool had no hope of winning the fourth place.

On May 21st, Beijing time, the 37th round of the Premier League continued to compete. Arsenal played Nottingham Forest away, Liverpool played Aston Villa at home and Manchester City played Bournemouth. Next, let’s take a look at the wonderful process of each game.

Nottingham Forest, which played at home, was full of fighting spirit. They seized the opponent’s passing mistake and launched a counterattack. White assisted Awoniyi to push the goal. The gunners occupy the absolute possession advantage, but the team can’t score goals for a long time, and finally,Arsenal lost 1-0 to Nottingham Forest.There is only one league game left, 4 points behind the top of the list, which has lost the suspense, so that Manchester City won the Premier League title this season three times ahead of schedule.

Liverpool played against Aston Villa at home. In the first half, konate made a foul in the penalty area, Watkins missed the opportunity by taking a penalty kick, and then Douglas helped Ramsey push the goal to help Villa take the lead. Back in the second half, Gakpo scored a goal, but the referee indicated that Van Dyke’s offside was invalid first. At the end, Salah assisted firmino, who came off the bench, to score a goal, and the curtain call at home ended perfectly, and the audience ended.Liverpool drew 1-1 with Aston Villa..

In another game, Manchester United challenged Bournemouth away. Eriksson passed to the door, and the opponent was not far away. casemiro volleyed the goal to help the team get a dream start. In the following time, Degea and Neto repeatedly pounced, and the two sides failed to score again. Finally,Manchester United beat Bournemouth 1-0..

In this way, the pattern of the top four in the Premier League is that Liverpool will score 66 points in one more game, and even if they win the last game, their points will be fixed at 69 points at most. Manchester United and Newcastle United have 69 points, and they still have two games left. As long as they get one more point, they can lock in the top four and get the Champions League seat next season.