作为银监会批准设立的首批四家试点消费金融公司中的外资公司，捷信消费金融有限公司，其股东为国际领先的消费金融服务提供商捷信集团，于2010年底正式在中国开业，为中国的客户提供消费金融服务。消费是促进中国经济结构转型的重要推动力。捷信消费金融有限公司积极响应国家扩大内需、大力发展消费金融的要求，通过为客户提供安全、负责任的消费金融服务，持续为中国的经济发展和人民生活水平的提高做出贡献。PPF集团About PPF Group PPF集团是捷信集团的母公司，是中东欧地区的国际金融和投资集团之一，业务横跨欧洲、俄罗斯、亚洲及美国市场，投资领域覆盖银行、金融服务、电信、房地产、零售、保险、矿产业、农业及生物科技领域等诸多领域。截至2017年6月30日，PPF集团管理资产近350亿欧元

PPF Group is the parent company ofHome Credit B.V. It is one of the largest investment groups in Central andEastern Europe, with business activities in Europe, Russia, Asia and the USA.PPF’s diverse business activities encompass banking and financial services,telecommunications, insurance, retail, real estate, mining, agriculture andbiotechnology. As of June 30, 2017, PPF manages total assets near EUR 35billion.

捷信介绍About Home Credit 捷信集团（HomeCredit B.V.）成立于1997年，是国际领先的消费金融服务提供商，业务遍及中东欧地区、独联体国家、亚洲及美国。捷信集团主要向信用记录缺失或很少的人群提供负责任的贷款，以及简单、方便和快捷的消费金融服务。在每个开展业务的国家中，捷信集团都致力成为当地市场的领先者。凭借丰富的跨国运营经验和专业知识，捷信集团得以持续领先众多的同行企业。通过提供安全和优质的贷款体验，捷信集团积极地推动并发展普惠金融政策，覆盖传统银行贷款服务覆盖不到的人群——我们的很多客户都是次体验消费金融服务。捷信集团积极推动借款人生活水平的提升，同时满足借款人的金融需求。截至2017年年底，捷信集团在全球10个国家开展业务，活跃客户超过2,900万，拥有将近40万个线下贷款服务点（POS）。 

Home Credit B.V., founded in 1997, isan international consumer finance provider, with operations in Central EasternEurope, CIS countries, Asia and United States. Home Credit B.V. focus onresponsible lending primarily to people with little or no credit history. Theirservices are simple, easy and fast. They operate in highly attractive marketswith significant barriers to entry, as a leading provider of consumer financein selected countries. It is their experience and knowledge across thedifferent markets, which sustainably puts them ahead of competitors. HomeCredit drive and broaden financial inclusion for the unbanked population byproviding a positive and safe borrowing experience – the first for many oftheir customers. They promote higher living standards and meet borrowers’ financialneeds. As of year-end of 2017, Home Credit has operated in 10 countries, haveserved over 29 million active customers through the vast distribution networkcomprising near 400,000 POS outlets.  

截至2018年3月，捷信在中国的业务已覆盖29个省份和直辖市，312个城市。捷信与迪信通、苏宁等全国知名的零售商有非常好的合作关系，通过超过23万个贷款服务网点，服务的活跃客户超过1,900万。

 As of March 2018, Home Credit China haspresence in 312 cities covering 29 provinces together with municipalitiesdirectly under the central government. By working closely with national retailchains such as D.Phone and Suning, it has set up more than 230,000 POS outletsacross the country, and serving over 19 million active customers. 

继武汉和长沙客户服务中心投入运营后，2016年9月，捷信正式启用其在华投资的全新客户服务中心–天津客户服务中心。此前，捷信在华共设有武汉和长沙两大客户服务中心，共可容纳8000名专业客服人员，日均服务量可达750,000次。随着天津客户服务中心全面投入运行，有近15,000名客服人员为客户提供7天无休的专业服务，服务能力和水平都将得到显著提升。 After the Wuhan and Changsha customerservice centers went into operations, Home Credit launched another customerservice center in Tianjin in September 2016. The two centers in Wuhan andChangsha combined can accommodate over 8,000 professional customer serviceoperators who can handle 750,000 calls a day. With the full operation of Tianjincustomer service center, nearly 15,000 professional customer service operators canprovide 7/24 professional services for customers, and the service capabilityand level will be significantly improved.  

作为银监会批准设立的首批四家试点消费金融公司中的外资公司，捷信消费金融有限公司，其股东为国际领先的消费金融服务提供商捷信集团，于2010年底正式在中国开业，为中国的客户提供消费金融服务。消费是促进中国经济结构转型的重要推动力。捷信消费金融有限公司积极响应国家扩大内需、大力发展消费金融的要求，通过为客户提供安全、负责任的消费金融服务，持续为中国的经济发展和人民生活水平的提高做出贡献。 

Home Credit Consumer Finance Co. Ltdis invested by a world leading consumer finance provider Home Credit B.V. andstarted its operations at the end of 2010. It one of the four pilot consumerfinance companies andthe only onethat is wholly foreign invested. Consumption is an important driving force forChina's economic restructuring. Actively responding to the government agenda ofexpanding domestic demand and developing the consumer finance, Home CreditConsumer Finance Company provides customers with safe and responsible consumer financeservices, contributing to China's economic development and the improvement ofpeople's living standards. 

捷信消费金融有限公司致力于成为负责任的消费金融服务提供商。通过金融知识讲座、动漫和在线互动等多种形式，宣传普及金融知识，培养并提高消费者对社会信用和负责任借贷的意识。本着对客户负责的精神，捷信消费金融有限公司创新性地推出了贷款“15天犹豫期”的制度，为客户提供安全和优质的贷款体验。 

Home Credit Consumer Finance Co, Ltdis committed to becoming a responsible consumer finance service provider,promoting financial literacy (i.e. seminar, cartoon) and enhancing publicawareness of credit records and responsible lending. It innovatively introducesa "15-day cooling-off period" for customers to ensure safe andquality lending experience.