According to a recent report from the China Banking Association, titled the "Development Report on Chinese Consumer Finance Companies (2026)," there are currently 31 consumer finance companies operating in the country. Their total asset scale has reached 1.48 trillion yuan, reflecting a year-on-year increase of 7.18%. By the end of 2025, the outstanding loan balance stood at 1.43 trillion yuan, up 6.85% from the previous year.

As business scale expands steadily, these firms have aligned closely with the goal of boosting consumption. They have deeply integrated into key areas such as trade-in programs for consumer goods, rural revitalization, and services for new urban residents. Throughout the year, they issued a total of 5.24 trillion yuan in personal consumer loans, serving 581 million customers. They launched 255 specialized products, generating 278.6 billion yuan in new loans that benefited 38.3 million customers. This effectively ignited internal momentum within the consumer market and supported the expansion and quality improvement of domestic demand.

With the implementation of the "Implementation Plan for Fiscal Subsidy Policies on Personal Consumer Loans," four institutions—Ant Consumer Finance, Merchants Union Consumer Finance, Industrial Bank Consumer Finance, and Bank of China Consumer Finance—were selected as the first batch of pilot agencies. By the end of 2025, these four pilot firms had served over 15 million customers, issuing more than 40 billion yuan in subsidized loans. Through a combination of fiscal subsidies and financial support, they lowered the cost of consumer credit for residents, precisely channeling funds into the consumption sector.

Consumer finance companies also took proactive steps to provide relief and benefits to the public. They steadily reduced the comprehensive financing costs for borrowers and implemented systematic support for customers facing financial difficulties. In 2025, these companies waived or reduced fees totaling 3.928 billion yuan for 2.253 million customers. Additionally, they arranged loan deferrals or extensions for 308,200 customers, involving a total loan amount of 8.382 billion yuan. These measures effectively eased the periodic repayment pressure on residents and lightened their financing burdens.

Furthermore, these firms engaged deeply in public welfare initiatives and rural revitalization efforts, continuously consolidating and expanding the achievements of poverty alleviation. Over the year, they invested a total of 1.9834 million yuan in support funds, employing diverse methods such as consumption support and donations of goods and money to solidly promote comprehensive rural revitalization. The industry is also advancing the coordinated development of digitalization and green practices, widely promoting online paperless services, using financial tools to empower a low-carbon transition, and supporting the green and high-quality development of the economy and society.