Recently, the China Banking Association released the "Development Report of China Consumer Finance Companies (2023)", which showed that as of the end of 2022, the number of consumer finance companies serving customers exceeded 300 million, reaching 338 million, a year-on-year increase of 18.4%; The asset size and loan balance both exceeded 800 billion yuan, reaching 884.4 billion yuan and 834.9 billion yuan respectively, with year-on-year growth of 17.5%, higher than the economic growth rate and consumption growth rate, making a positive contribution to the recovery and expansion of consumer demand. In recent years, with the continuous standardization of industry development and the maturity of market business models, the development trend of consumer finance has been continuously improving. In terms of quantity, the number of service personnel and loan scale have effectively improved; From the perspective of quality, consumer finance continues to expand the service scene, strengthen new citizen services, and promote Digital transformation. The breadth and depth of services have made greater breakthroughs than in previous years. However, from the perspective of the development of the consumer finance industry, there are still many pain points and difficulties in serving new citizens. How to unblock these bottlenecks and further unleash the potential of consumer finance? The reporter interviewed industry experts on relevant issues. At present, focusing on restoring consumer demand is an important task to stabilize the overall economic situation in the new form of service consumption, and all industries and fields have made active efforts around this goal. Specifically, in the consumer finance industry, a new pattern of differentiated competition and complementary development has emerged between consumer finance and business entities such as commercial banks, credit card centers, and internet platforms. In 2009, the original intention of establishing a consumer finance company was to promote domestic demand and unleash residents' consumption potential. Since the beginning of this year, consumer finance companies have expanded their capacity again. Recently, the financial regulatory authorities approved the opening of Jianxin Consumer Finance Co., Ltd. After more than 10 years of development, 31 consumer finance companies have opened nationwide, covering the entire country. Consumer finance has become an important lever and powerful tool for driving domestic demand. The report of the 20th National Congress of the Communist Party of China proposes to focus on expanding domestic demand, enhancing the fundamental role of consumption in economic development, and the key role of investment in optimizing supply structure. As one of the three carriages driving China's economic growth, consumption plays a crucial role in stabilizing growth. With the steady progress of the national strategy to expand domestic demand, it is expected that consumer repair will enter an accelerated channel. In this process, consumer finance companies play an important role in boosting market consumption and driving economic recovery development. "Du Yang, a researcher at the Bank of China Research Institute, said that consumer finance companies are an important component of the traditional financial system, providing more inclusive financial services to different customer groups, Let more people enjoy the development results of Financial inclusion. Consumer finance companies continue to deepen, refine, and refine consumer finance by focusing on the upgrading needs of residents' leisure and entertainment, health care, education and training. Consumer finance has penetrated into every aspect of financial consumer life, becoming a new field for financial institutions to attract customers. Consumer finance related businesses cover diverse consumption scenarios such as residents' daily travel, shopping, catering, cultural tourism, etc., allowing more consumers to experience high-quality consumer finance services. "Chen Jing, senior analyst at Tianyancha Data Research Institute, said that with the arrival of the summer consumption peak season, Consumer finance companies through joint offline