平安消金触碰数据“红线”遭通报，实测一键授权18家公司

Core Viewpoint - The Shanghai Communications Administration has reported that the Ping An Consumer Finance App is involved in the excessive collection of personal information, violating user rights and privacy regulations [1][3][4]. Group 1: Regulatory Actions - The Shanghai Communications Administration has identified 27 apps, including 14 financial institutions, that violate user rights by collecting personal information beyond necessary limits [3][4]. - The Ping An Consumer Finance App has been specifically named for its practices, which include requiring users to authorize information sharing with 18 affiliated companies [4][5]. Group 2: Company Response and Compliance - Ping An Consumer Finance has stated that it is actively communicating with the Shanghai Communications Administration to ensure timely rectification of the identified issues [5][12]. - The app's registration process requires users to agree to multiple agreements, which some analysts argue infringes on user rights and lacks transparency [9][10]. Group 3: Financial Performance - As of the end of 2024, Ping An Consumer Finance reported total assets of 54.293 billion yuan, with an annual revenue of 4.519 billion yuan and a net profit of 1.02 billion yuan, showing significant growth compared to 2023 [11][12]. - The company has established partnerships with 77 institutions to enhance its service offerings and customer acquisition capabilities [11]. Group 4: Industry Context - The financial sector is under increasing scrutiny regarding personal information protection, with regulations emphasizing the "minimum necessary" principle for data collection [12][13]. - Analysts suggest that compliance with these regulations is crucial for protecting consumer rights and maintaining the integrity of the financial industry [12][13].