1个月两次被罚！海尔消金因误导宣传等收百万级罚单，催收投诉不断

Core Viewpoint - Haier Consumer Finance Co., Ltd. has faced multiple penalties in a short period, highlighting issues in compliance management and consumer complaints related to aggressive collection practices and misleading marketing [1][5][7]. Group 1: Penalties and Violations - Haier Consumer Finance was fined a total of 2.05 million yuan for various violations, including misleading marketing, improper collection practices, and inadequate post-loan management [2][4]. - Specific fines included 1.05 million yuan for misleading marketing and improper collection, 500,000 yuan for adjusting loan classifications, and 500,000 yuan for unauthorized interbank business [2][3]. - The company's former general manager, Huang Yinghua, received a two-year disqualification from holding office due to these violations [4][5]. Group 2: Consumer Complaints - The company has accumulated over 16,000 complaints on the Black Cat Complaints platform, with common issues including "violent collection," "SMS bombardment," and "high interest rates" [1][7]. - Complaints detail aggressive collection tactics, including threats and excessive messaging to consumers and their families [7][11]. Group 3: Company Response and Management Changes - Haier Consumer Finance acknowledged the penalties, stating they pertain to inspections from before 2021, and emphasized that they have completed necessary rectifications [5]. - The position of general manager remains vacant following the departure of Zhang Ximing, who left for personal reasons after less than a year [6]. Group 4: Shareholding and Regulatory Compliance - Haier Group holds a 49% stake in Haier Consumer Finance, which does not meet the upcoming regulatory requirement of a minimum 50% stake for major shareholders [16]. - The company is under pressure to adjust its ownership structure to comply with the new Consumer Finance Company Management Measures set to take effect in April 2024 [16]. Group 5: Financial Performance - In 2024, Haier Consumer Finance reported total revenue of 3.168 billion yuan, a year-on-year increase of 27.25%, and a net profit of 445 million yuan, up 21.9% [17]. - The company has shifted its focus towards online cash loans, with online business accounting for 80% of its operations by the end of 2024 [17]. - The company has seen significant growth in its off-balance sheet joint loan and assistance loan business, with a balance of 6.449 billion yuan, reflecting a year-on-year increase of 108.75% [17]. Group 6: ABS Issuance - Haier Consumer Finance has issued multiple Asset-Backed Securities (ABS) to raise funds, with the latest issuance being 1.5 billion yuan at a record low interest rate of 1.8% [18]. - The funds raised through ABS are intended to support the company's main business development and enhance financial supply [18].