阳光消金因合作机构管理不当被罚超百万，去年净利润跌超六成

Core Viewpoint - Beijing Sunshine Consumer Finance Co., Ltd. was fined 1.4 million yuan due to inadequate management of cooperative business and failure to independently calculate credit limits and loan pricing, marking the second million-level fine for consumer finance companies since 2025 [1][4][10]. Group 1: Penalty Details - The penalty against Sunshine Consumer Finance includes issues such as insufficient cooperation model, inadequate control over cooperative business, failure to independently calculate credit limits and loan pricing, ineffective post-loan management, and poor management of cooperative institutions [4][10]. - This fine is part of a broader trend, with five consumer finance companies fined a total of over 5.2 million yuan in 2025, indicating a tightening regulatory environment [10][12]. Group 2: Financial Performance - Sunshine Consumer Finance reported a net profit of 58 million yuan in 2024, a decline of 66.08% from 171 million yuan in 2023, ranking low among 31 consumer finance companies [7]. - The company's total assets decreased to 9.783 billion yuan by the end of 2024, down 16.22% from 11.677 billion yuan in 2023, marking the second consecutive year of decline [7]. Group 3: Regulatory Context - The regulatory framework for consumer finance companies has been reinforced, with the issuance of the "Consumer Finance Company Management Measures" in March 2024, which emphasizes the need for ongoing management of cooperative institutions [5][6]. - The "New Regulations on Internet Loan Business Management" released in April 2025 require banks to implement a whitelist management system for cooperative platforms, further tightening the operational landscape for consumer finance companies [6].