海尔消费金融：业绩高速增长的背后，藏着怎样的风险与质疑？

Core Viewpoint - Haier Consumer Finance is experiencing rapid growth in performance, but this is accompanied by significant risks and public skepticism regarding its practices and consumer treatment [3][9]. Group 1: Consumer Complaints and Issues - Haier Consumer Finance has received over 12,000 complaints on the Black Cat Complaint platform, ranking among the top licensed consumer finance companies in terms of complaints [3][6]. - Complaints primarily focus on aggressive debt collection practices, including harassment of family and friends, and high-interest rates exceeding regulatory limits [3][5]. - Specific cases highlight severe psychological impacts on consumers, with reports of threats and intimidation from collection agents posing as court officials [5][6]. Group 2: Financial Practices and Transparency - The company has been reported to charge annual interest rates as high as 36%, with hidden costs that can push effective rates above 35% [6][7]. - Consumers have reported being charged high fees for early repayment, which are often not clearly disclosed until they attempt to settle their loans [6][7]. - The company’s non-performing loan rate has increased from 2.06% in 2021 to 2.38% in the first half of 2024, surpassing the industry average of 2.22% [7][8]. Group 3: Regulatory Compliance and Corporate Structure - New regulations require consumer finance companies to have a minimum registered capital of 1 billion yuan and for major shareholders to hold at least 50% of the shares [8]. - Haier Consumer Finance has increased its registered capital to 2.09 billion yuan and adjusted its shareholder structure, but it still faces challenges in meeting all regulatory requirements [8][9]. - The company’s rapid growth and high profits are overshadowed by compliance issues and the need for improved consumer protection measures [9][10].