京东消金再迎人事变动！吕齐获批副总经理任职资格

派财经02-04

文|文心近日，国家金融监督管理总局天津监管局正式核准吕齐担任天津京东消费金融有限公司（下称“京东消金”）副总经理。这一任职批复的落地，京东对原捷信消费金融历时一年的重组整合正式收官，核心管理团队全部就位。早在2024年10月，京东集团副总裁、京东科技金融科技事业群总裁李波的京东消金董事长任职资格便获监管核准，原捷信董事长Vladimir Nyc同步卸任。紧随其后，Ondrej Frydrych、...

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Lu Qi was approved as deputy general manager","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"89618":0.6,"JD":1.86,"09618":1.86},"content_text":"文|文心近日，国家金融监督管理总局天津监管局正式核准吕齐担任天津京东消费金融有限公司（下称“京东消金”）副总经理。这一任职批复的落地，京东对原捷信消费金融历时一年的重组整合正式收官，核心管理团队全部就位。早在2024年10月，京东集团副总裁、京东科技金融科技事业群总裁李波的京东消金董事长任职资格便获监管核准，原捷信董事长Vladimir Nyc同步卸任。紧随其后，Ondrej Frydrych、Tomas Skoumal、Martin Seda等原捷信团队捷克籍高管集体退出，京东委派的张含春、沈建光、张素娟、刘晓蒙等核心管理人员任职资格陆续获批，形成了以李波为核心的全新管理架构。2024年以来，消费金融行业迎来高管调整潮，近半数机构完成核心管理团队迭代，机构对合规运营、风险管控能力的更高追求。为拿下这张稀缺的消费金融牌照，京东通过旗下两家主体合计出资32.5亿元，最终斩获原捷信消费金融65%的股权。在此之前，京东已集齐支付、网络小贷、基金、保险、征信等多张金融牌照，唯独缺失消费金融与银行两大核心牌照。此次补位，彻底完善了其金融科技生态布局。相较于京东此前依托网络小贷公司运营消费金融业务的模式，消费金融牌照的优势尤为突出——更高的杠杆使用空间与更低的融资成本，成为京东拓展业务的核心底气。消费金融公司的杠杆倍数上限显著高于网络小贷公司，这意味着京东消金可撬动更多资金，扩大业务覆盖范围。2025年初，个人消费贷款财政贴息政策优化实施，京东成为首批响应的机构之一，迅速调整“白条”贴息规则，取消了此前的单笔及累计贴息上限和消费领域限制。尽管牌照、团队、政策三大优势叠加，京东消金仍面临多重挑战。最突出的是原捷信消金遗留的不良资产问题，其过往不良贷款率持续高企，进行了大规模不良资产转让，且股权高比例质押，偿债压力与资产处置难度较大。此外，捷信此前因高利率、暴力催收等问题积累了大量投诉，线下获客模式效率低下、成本高昂，也给京东的业务整合与优化带来考验。同时，消费金融行业“二八分化”格局已然形成，头部机构凭借资金、场景、技术优势占据大部分市场份额，京东消金想要突围，仍需突破现有竞争壁垒。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"executive","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.0","shortVersion":"4.42.0","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2608033515","isCrawlerRequest":true}