中信消费金融三周年:稳健经营铸就高质量发展
2022年6月12日,中信消费金融迎来公司成立三周年纪念日,并发布公司首份"环境,社会及公司治理(ESG)报告".
  作为由中国中信有限公司,中信信托有限责任公司与金蝶软件(中国)有限公司三家实力企业共同发起成立的持牌消费金融公司,三年以来,中信消费金融坚持党建引领发展,持续优化治理体系,加强内控合规建设,在保持审慎稳健的经营原则下,夯实核心能力建设,提高精细化运营能力,致力于为用户提供优质,高效的消费金融服务,实现规模,效益与质量的均衡发展.
  行稳致远谋求高质量发展
  自成立以来,中信消费金融以打造"成为可信赖的消费金融公司"为愿景,保持推动高质量发展的战略定力,不盲目追求速度增长,强化风险意识,夯实基础,蓄力发展.
  党建引领企业高质量发展.中信消费金融将党的领导融入到公司治理各个环节,坚持全面领导,发挥党组织在企业中把方向,管大局,保落实的领导作用.同时,不断健全公司治理结构,构建了权责明晰,制衡有效,程序规范的三会一层公司治理架构,为企业可持续发展奠定基础.为保障企业稳健经营,中信消费金融坚持业务发展与风险管理能力相匹配的原则,在积极贯彻国家政策方针的前提下,强化全面风险管理,建立完整的风险管理制度体系,强化风险识别,严守合规底线,将合规文化建设融入企业文化建设全过程,坚决守住无重大风险事件的底线.
  同时,针对不同客群的个性化消费金融需求和不同专业细分市场的特点,中信消费金融强化涵盖全生命周期的用户精细化运营能力,以做深,做细,做精,做专为原则,持续优化产品流程,高度重视消费者权益保护工作,提高用户体验及服务水平,以精细化产品服务稳健发展.
  经过三年的业务探索与经营,中信消费金融打造了以数据驱动发展的核心竞争力,在智能风控,金融科技,自主获客等能力建设方面均取得成效.截至2021年年底,中信消费金融累计发放贷款484亿元,服务客户近830万人,实现贷款余额90.02亿元,营业收入5.77亿元,比2020年增长139%;净利润6,550万元,比2020年增长112%,经营成果亮眼.
  金融为民彰显企业责任担当
  将ESG理念贯穿企业战略并非短期之功,却是实现可持续增长的基石.在刚刚发布的中信消费金融首份ESG报告数据中,可以从环境,社会与公司治理等多维度发现中信消费金融对可持续发展理念的实践.
  成立之初,中信消费金融便采用小额,分散,无抵押的纯线上新金融方式,致力于提高金融服务的可得性.在持续提升自身能力的前提下,中信消费金融逐渐降低运营成本,风险成本,用户成本,努力从金融使用可得性向金融定价普惠性转变.报告显示,截至2021年底,中信消费金融累计服务客户达830万人,广泛覆盖全国各地,客户群体分布以农村为主,不断为推进乡村全面振兴注入新能量.自成立以来,中信消费金融已实现农村交易笔数超2000万,金额总计近200亿元.
  不忘普惠金融使命初心,稳健发展的中信消费金融主动承担赋能者角色,积极履行社会责任.特殊时期,中信消费金融多措并举帮助解决中低收入人群日常消费资金来源,全力支持国内消费复苏和复工复产.今年四月,面临特殊时期反curity systems, monitor network traffic, steal privacy and sensitive data, and access to phone calls, emails, network communications and messages.
  TAO also assumes an important role. When US president issues an order to disable or destroy communications networks or information systems in other countries, TAO will provide relevant cyberattack weapons, and the attacks will be carried out by the US Cyber Warfare Command, the report revealed.
  According to the report, the various departments of TAO are composed of more than 1,000 active military personnel, network hackers, intelligence analysts, academics, computer hardware and software designers, and electronics engineers. The entire organizational structure consists of one "center" and four "divisions."
  The "center" employs more than 600 people and is responsible for receiving, sorting and summarizing account passwords and important sensitive information stolen from around the world by network information systems controlled remotely by TAO.
  "The NSA's global indiscriminate intrusion has long been supported by a vast and sophisticated network of weapons platforms, of which TAO is an important weapon maker. Some of these weapons are dedicated to the products of US internet giants such as Apple, Cisco and Dell, and have been developed with the support and full participation of these internet giants," the expert said.
  Media reports showed some US internet giants have set up a special government affairs department to cooperate with the NSA in developing cyber attack weapons and provide the NSA with special backdoors and vulnerabilities. Internal information leaked by Edward Snowden showed these weapons could be used to conduct mass traffic monitoring and hacking on any internet user around the world.
  According to publicly available information, most of the cyber attack weapons have already been handed over to the US and other "Five Eyes" countries.
  The report also showed more than 500 code names for cyber attacks and data theft operations conducted by TAO have been disclosed, which proves that the US is a developed internet country in the world, as well as a major country in cyber intelligence collection and data theft.
  In 2013, the US spent $52.6 billion on global intelligence gathering programs, of which two-thirds went to cyber security operations to carry out cyber attacks on foreign countries and domestic targets in the US.
  A large number of TAO's cyber attack weapons have also been shared with some allied countries. Media reports showed that GCHQ, the UK's security and intelligence agency, has used NSA's cyberattack weapons to conduct long-term attack control and communications monitoring in the European Union.
  "The US is taking highly engineered cyber weapons as the winning advantage in future cyber warfare, and is investing resources and increasing chips regardless of cost, bringing endless hidden dangers to global cyber security," the expert said.