盛银消金 25% 股权再被冻结！新董事长年初刚上任

Core Viewpoint - Recently, the second-largest shareholder of Shengyin Consumer Finance, Dalian Dexu Economic and Trade Co., Ltd., had all its shares frozen by the court, indicating potential financial distress and governance issues within the company [1][4]. Group 1: Shareholder and Legal Issues - Dalian Dexu Economic and Trade Co., Ltd. holds a total of 75 million RMB in shares, which constitutes 25% of Shengyin Consumer Finance's total equity [4]. - The freezing period for the shares is from July 5, 2025, to July 4, 2028, lasting for 1,095 days [2][4]. - This is not the first instance of share freezing for Dexu Economic; in 2022, shares worth 60 million RMB were frozen for six months, and in July 2023, shares worth 75 million RMB were frozen for two years [4]. Group 2: Company Background and Financial Performance - Shengyin Consumer Finance was established in 2016 by Shengjing Bank, Shunfeng Industrial, and Dexu Economic, with respective shareholdings of 60%, 20%, and 20% [4]. - Following a share adjustment in July 2023, Shengjing Bank's stake increased to 75%, while Dexu Economic's stake remained at 25% [4]. - The company currently has a registered capital of 300 million RMB, which does not meet the 1 billion RMB minimum capital requirement set by the "Administrative Measures for Consumer Finance Companies" [4]. Group 3: Financial Metrics - As of the end of 2024, Shengyin Consumer Finance reported total assets of 7.902 billion RMB, reflecting a year-on-year increase of 19.97% [5]. - The loan balance reached 7.287 billion RMB, with a year-on-year growth of 25.8% [5]. - The company generated operating revenue of 293 million RMB in 2024, up 20.23% year-on-year, and net profit of 86 million RMB, a 4.88% increase [5]. - However, the company has experienced slow growth in recent years, with revenues of 267 million RMB, 178 million RMB, and 243 million RMB from 2021 to 2023, and net profits of 80.47 million RMB, 64.71 million RMB, and 82.42 million RMB during the same period [5]. Group 4: Customer Complaints and Governance - In 2024, Shengyin Consumer Finance reported 198 effective complaints, primarily related to third-party channel operations, with issues including collection practices, fee charges, repayment negotiations, and credit disputes [5]. - A new chairman, Zhou Zhi, was appointed at the beginning of this year, coming from Shengjing Bank, where he held various positions [6].