购车贷“高息高返”调查：多地整改，有国有大行直接叫停

Core Viewpoint - The "high interest high rebate" model for car installment loans is set to be discontinued by certain state-owned banks starting June 1, as part of a broader regulatory effort to address issues of unfair competition and consumer protection in the automotive finance sector [2][8]. Group 1: Industry Changes - A major state-owned bank has stopped accepting applications for the "high interest high rebate" car installment loans, following the issuance of self-regulatory agreements by various banking associations prohibiting high-commission financial products [2][9]. - The "high interest high rebate" model involved banks paying substantial commissions to car dealers to attract customers, which led to misleading practices and potential risks for all parties involved [2][4]. - Many banks are now implementing stricter policies regarding early repayment, with some requiring penalties for customers who wish to pay off their loans early [4][10]. Group 2: Consumer Impact - Complaints regarding car loans and early repayment issues have surged, with thousands of complaints highlighting the lack of transparency and clarity around penalty fees [5][6]. - Consumers have reported that sales personnel often fail to adequately inform them about the terms of early repayment and associated penalties, leading to confusion and potential financial burdens [5][6]. - The discontinuation of the "high interest high rebate" model may lead to reduced consumer benefits, as the previous structure allowed for significant discounts through rebates [10][11]. Group 3: Regulatory Actions - The National Financial Supervision Administration has mandated a comprehensive cleanup of the "high interest high rebate" business model, indicating that it may violate laws against unfair competition and potentially constitute usury [6][8]. - Multiple banking associations have introduced self-regulatory agreements aimed at curbing the use of high commissions and ensuring fair competition in the automotive finance market [9][10]. - The recent regulatory changes are expected to promote transparency and protect consumer rights, requiring dealers to fully disclose the costs associated with financing options [8][9].