哈银消费金融累计放款超1400亿元，2021年下沉市场用户占比上升至94%

网贷大数据信用报告能够告诉你什么？网贷为何老是秒拒？网贷大数据报告能够告诉你什么？为什么要查询网贷？

As of May 20, 2022, Harbin Consumer Finance has disbursed over CNY 140 billion in loans, marking a year-on-year increase of 40%. The company has served more than 31 million customers, up by an impressive 93.75% compared to the previous year. Over the past twelve months, Harbin Consumer Finance has significantly enhanced its financial services for underserved markets, with the proportion of users from second-tier cities and below rising from 87% to 94%.

Harbin Consumer Finance is a licensed consumer finance company established primarily by Harbin Bank, approved by the China Banking and Insurance Regulatory Commission (CBIRC), and the 19th such company to commence operations nationwide. The company officially launched in April 2017 and successfully attracted strategic investment from Duxiaoman Financial, a subsidiary of Baidu, in 2019, increasing its registered capital to CNY 1.5 billion. Its shareholders include Harbin Bank, Duxiaoman Financial, Stewardford, Bosun Advantage, and Tongcheng Software among others.

The company adheres to the philosophy of “inclusive finance and harmonious prosperity”, leveraging its shareholders’ extensive experience in microcredit and fintech. By utilizing advanced internet platform operations and robust data risk control capabilities, Harbin Consumer Finance offers flexible and convenient consumer credit services to the general public, enhancing their quality of life and supporting consumption upgrades.

Harbin Consumer Finance is dedicated to becoming a “warm-hearted” consumer finance company through the application of cutting-edge technologies such as fintech, big data, and cloud computing. Backed by its superior technological prowess, the company has independently constructed five major system clusters: omnichannel customer acquisition, core products, intelligent asset management, big data risk control, and smart operations.

In October 2019, Harbin Consumer Finance became the second consumer finance company in China to be certified as a high-tech enterprise. It holds 36 software copyrights and has six patent applications under review.

To further enrich the content while preserving the essence of the original article, we can delve into additional details about the impact of Harbin Consumer Finance’s services on local economies and communities. We could also explore how the company’s technology-driven approach sets it apart in the competitive landscape of consumer finance. For instance:

Harbin Consumer Finance’s commitment to serving underserved markets has not only expanded access to financial services but also contributed significantly to the economic development of second-tier and lower-tier cities across China. By bridging the gap in financial inclusion, the company has empowered millions of individuals to improve their financial well-being, fostering a more inclusive economy.

The integration of advanced technologies like artificial intelligence and machine learning into Harbin Consumer Finance’s operations has enabled the company to offer personalized services to its diverse customer base. This tech-driven approach not only enhances customer satisfaction but also ensures efficient risk management, allowing the company to maintain a healthy loan portfolio despite serving a wide range of clients.

By incorporating these elements, we provide a more comprehensive view of Harbin Consumer Finance’s role in promoting financial inclusion and technological innovation within the consumer finance sector, thereby enhancing the SEO value and reader engagement of the article.