Lexin leverages scene ecology to help facilitate the implementation and effectiveness of policies to expand domestic demand

Recently, the Ministry of Commerce, the People’s Bank of China, and the State Administration of Financial Supervision jointly issued the “Notice on Strengthening Business and Financial Coordination and Making Greater Efforts to Boost Consumption,” which proposes 11 policy measures focused on commodity consumption, new types of consumption, consumption scenarios, and county-level consumption. Subsequently, nine departments including the Ministry of Commerce and the State Administration of Financial Supervision released the “2026 ‘LeGou New Year’ Spring Festival Special Event Plan.” Under the dual effects of continued favorable policies and active regulatory guidance, as a bridge connecting financial institutions and the consumer market, Lexin leverages its installment shopping mall, Fenqile Mall, with its scene-based installment advantages, to quickly deploy New Year goods festivals and billion-yuan subsidy activities, stimulating online installment consumption demand, while simultaneously optimizing inclusive financial services in counties, supporting the development of small micro businesses in rural areas, and cultivating consumption momentum in county and rural markets, contributing to increasing income and boosting consumption.

As the country’s first installment shopping platform, Fenqile Mall focuses on the Spring Festival scenarios of “family stocking and exchange” and “gathering and gifting,” launching multiple benefits such as 3C New Year gifts worth thousands of yuan, New Year consumption blind boxes, and supermarket cashback offers, covering categories like “home renovation,” “clothing updates,” and “digital upgrades,” to activate consumer enthusiasm at key consumption points.

Fenqile Mall continuously optimizes its supply chain to meet the diversified and quality-driven needs of consumption upgrades. In advantageous categories like 3C digital products, Fenqile Mall maintains deep cooperation with mainstream brands such as Apple, Huawei, and Xiaomi to ensure new product launches and continuously serve digital product upgrade consumption. Additionally, the mall offers factory-direct high-cost-performance products through its “Factory Store,” with the “Zhenpin Hui” selection of quality goods, and “Mai Ya Supermarket” focusing on essential daily necessities like food, grains, and household items, providing comprehensive convenience for essential consumer needs. Currently, the Fenqile App serves over 200 million users, leveraging its distinctive scene-based advantages and installment features to continuously provide differentiated installment services for young, high-growth consumer groups. The platform’s transaction scale steadily increases, reaching several billion yuan annually.

The development of county-level small micro entities is an important link connecting “wealth increase” and “consumer promotion.” Lexin’s Fenqile Puhui business shifts its service focus to the capillaries of county economies, helping support the development of county small micro businesses and individual entrepreneurs, assisting micro enterprises in expanding operations, optimizing product supply, and stabilizing employment, thereby improving the income levels of operators and related groups, and driving growth in local life, shopping, and various services in counties.