严监管！海尔小贷违反信用信息管理规定遭“双罚”，背后是海尔金控

Core Viewpoint - Chongqing Haier Microfinance Company has been fined a total of 551,000 yuan for violations related to credit information management, highlighting ongoing regulatory scrutiny in the microfinance sector [1][4]. Regulatory Actions - Chongqing Haier Microfinance was fined 480,000 yuan for violating regulations on credit information collection, provision, and inquiry [2] - The company's former Big Data Director was fined 71,000 yuan for being responsible for the violations [3] Regulatory Context - In January 2025, the National Financial Supervision Administration issued interim measures for the supervision of microfinance companies, emphasizing the protection of consumer data and requiring explicit consent for data collection [4] Company Background - Chongqing Haier Microfinance was established in 2014 with a registered capital of 1.925 billion yuan and is one of the first licensed internet microfinance companies in China [4] - The company offers various loan products, including "Wanlian Puhui Loan" with an annual interest rate of 12%-24% and loan amounts ranging from 50,000 to 5 million yuan [5] Ownership Structure - Chongqing Haier Microfinance is wholly owned by Chongqing Haier Cloud Chain Technology, which is fully controlled by Haier Group's financial subsidiary [5] Market Position and Recommendations - Analysts suggest that Chongqing Haier Microfinance has not developed a competitive business model in recent years and should leverage its parent company's resources to create a unique market presence [6] - Recommendations include strict adherence to regulatory requirements and the development of new financial products that align with market demands and policy directions [6]