营销误导催收不当 海尔消金被罚两百万！高管被取消任职资格

Core Viewpoint - Haier Consumer Finance Co., Ltd. has been fined a total of 2.35 million yuan for multiple violations, marking the highest single penalty in the consumer finance industry this year [1][3][9]. Summary by Categories Penalty Details - The company was fined 2.05 million yuan for six violations, including misleading marketing, improper collection practices, inadequate post-loan management, misappropriation of loan funds, charging fees that do not match the quality of services, and improper handling of interbank business [3][4]. - Six executives were also penalized, with the former general manager Huang Yinghua receiving a two-year disqualification from holding office and a fine of 200,000 yuan [3][6]. Company Response - Haier Consumer Finance accepted the penalties and stated that the violations were based on inspections from before 2021. The company has completed rectifications and will enhance governance to protect consumer rights [4][6]. Industry Context - The total penalties in the consumer finance sector for 2025 have reached 9.977 million yuan, surpassing the total fines for the entire year of 2024, which were 9.18 million yuan [9][10]. - The increasing number of penalties reflects a trend of intensified regulatory scrutiny in the consumer finance industry, highlighting issues such as poor management and compliance failures [11].