【北银消费是哪个国家的品牌？】

知名互联网消费服务品牌，北京银行发起设立的消费金融平台，专为中国境内居民个人提供以消费为目的贷款的非银行金融机构

北银消费金融有限公司成立于2010年3月1日，是经中国银行保险监督管理委员会（原中国银行业监督管理委员会）批准筹建、由北京银行发起设立的国内消费金融公司，是一家专为境内居民提供以消费为目的的贷款的非银行金融机构。主要股东包括西班牙桑坦德消费金融公司、利时集团、联想控股、大连万达等企业。

作为国内较早消费金融公司，北银消费金融有限公司始终牢记试点职责，践行普惠金融理念，在监管部门和地方政府的大力支持下，积极探索消费金融业务模式，依托互联网技术大力推进产品创新和业务流程优化。目前，公司主要业务为个人客户提供教育、租房、旅游、车险、装修等用途的个人消费贷款，包括“轻松付”和“轻松贷”两大产品体系。

面向未来，北银消费金融有限公司将坚守风险底线，坚定小额分散的业务定位，坚持合规稳健发展，逐步提升大数据支持及智能风控能力，搭建多元获客渠道与高效获客模式，打造优良客户体验。

英文翻译：The well-known Internet consumer service brand, the consumer finance platform launched by Bank of Beijing, a non bank financial institution that provides consumption oriented loans for individual residents in China, north bank consumer finance Co., Ltd., was established on March 1, 2010, approved by the Insurance Regulatory Commission of the Bank of China (the former China Banking Regulatory Commission) and issued by Bank of Beijing The established domestic consumer finance company is a non bank financial institution specialized in providing consumption oriented loans for domestic residents. The main shareholders include Santander consumer finance company of Spain, Lishi group, Lenovo holdings, Dalian Wanda and other enterprises. As an early consumer finance company in China, Beiyin Consumer Finance Co., Ltd. has always kept in mind its pilot responsibilities, practiced the concept of Inclusive Finance, actively explored the business model of consumer finance with the strong support of regulatory authorities and local governments, and vigorously promoted product innovation and business process optimization relying on Internet technology. At present, the company's main business is to provide personal consumption loans for personal customers for education, rental, tourism, automobile insurance, decoration and other purposes, including two product systems of "easy payment" and "easy loan". Facing the future, Beiyin Consumer Finance Co., Ltd. will stick to the bottom line of risk, firm the business positioning of small amount dispersion, adhere to the steady development of compliance, gradually improve the ability of big data support and intelligent risk control, build multiple customer acquisition channels and efficient customer acquisition mode, and create excellent customer experience.

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