上市公司金螳螂旗下“金诺小贷”被曝涉嫌违规放贷

Core Viewpoint - Suzhou Jintenglong Enterprise Group, the parent company of the listed company Jintenglong, is facing allegations of usury and illegal lending through its wholly-owned online micro-lending subsidiary, Guangzhou Jinnuo Internet Micro-loan Co., Ltd. [1] Group 1: Company Overview - Jinnuo Micro-loan was established in March 2016 with a registered capital of 200 million, significantly below the regulatory minimum of 1 billion for online lending companies [1] - The legal representative and chairman of Jinnuo Micro-loan is Zhuang Haihong, who directly holds 5.2% of Jintenglong Enterprise Group [1] - Jinnuo Micro-loan operates several lending apps, including "Xinyongqian" and "Subei Wallet," which are currently in operation [1] Group 2: Business Operations - Jinnuo Micro-loan has registered 18 loan-related trademarks, indicating its focus on lending services [5] - The "Subei Wallet" app has over 100,000 downloads on various platforms, while "Xinyongqian" has several thousand downloads [5] Group 3: Customer Complaints - Users have reported issues with "Subei Wallet," including difficulties in account cancellation and high service fees [7][9] - Complaints also highlight a lack of customer service support, with users unable to reach representatives [10] Group 4: Regulatory Concerns - Allegations have emerged regarding the unauthorized sharing of personal information by Jinnuo Micro-loan's products with multiple loan platforms [15][16] - The company has been linked to other entities that have faced regulatory penalties for illegal lending practices [16] Group 5: Financial Performance - Jintenglong's 2024 annual report indicates a total revenue of 18.329 billion, a year-on-year decline of 9.20%, and a net profit of 544 million, down 46.89% [17] - The company's total assets decreased by 4.83% to 35.289 billion [17]