重磅！监管摸排“24%+权益”产品，消金行业开启自查

Core Viewpoint - The upcoming implementation of the "New Regulations on Strengthening the Management of Internet Loan Business by Commercial Banks" has led to the rise of the "24% + Equity Services" business model in the consumer finance sector, prompting regulatory scrutiny on member rights and associated fees [1][2]. Group 1: Regulatory Focus - Regulatory authorities have issued a survey to 31 consumer finance companies regarding their member rights services, focusing on self-provided and partnered services, potential impacts, and existing issues [1][2]. - Key concerns include false advertising, binding member rights to loan approvals, and discrepancies between service quality and pricing [1][2][4]. Group 2: Fee Structure and Compliance - Consumer finance institutions are required to clarify their member rights service fees, including standards, collection methods, and any hidden charges or unreasonable conditions [2][4]. - The income from self-operated member rights services is categorized as off-balance-sheet income, included under fees and commissions, with one company reporting member service income of 53.49 million yuan in its 2024 annual report [2][3]. Group 3: Product Offerings - The "24% + Equity" products typically come in various subscription formats (monthly, quarterly, semi-annual, annual) and include financial rights (e.g., priority approval, interest-free loans) and lifestyle benefits (e.g., discounts on services) [3][5]. - Regulatory scrutiny extends to ensuring that member rights fees are included in the overall financing costs for borrowers, ensuring compliance with the 24% cap [4][5]. Group 4: Customer Complaints and Challenges - There is significant pressure on licensed financial institutions regarding customer complaints related to member rights, including issues of forced bundling, automatic renewals, and refund difficulties [7]. - Complaints on platforms highlight concerns over users being unaware of charges, mandatory membership for loan approval, and challenges in obtaining refunds [7][8].