周峙代行盛银消金董事长职责！五年三换帅、注资仍未达标

Core Viewpoint - Shengyin Consumer Finance Co., Ltd. has appointed Zhou Zhi to act as the chairman and legal representative, pending formal approval of his qualifications, highlighting ongoing management instability within the company [1][4]. Management Changes - Zhou Zhi has been recommended as chairman since January 2025, but his qualifications were only approved on September 4, 2025, with the chairman position still awaiting further approval [4]. - The company has experienced significant management turnover, having changed three chairpersons in the past five years, indicating instability [8]. Company Background - Shengyin Consumer Finance is the first and only consumer finance institution in Northeast China approved by the former China Banking and Insurance Regulatory Commission, established in February 2016 with a registered capital of 300 million yuan [8]. Financial Performance - As of the end of 2024, Shengyin Consumer Finance reported total assets of 7.902 billion yuan, a year-on-year increase of 19.96%, with operating income of 293 million yuan, up 20.58%, and net profit of 86 million yuan, rising 4.88% [14]. - Despite these increases, the company ranks below the top 20 among 31 licensed consumer finance companies, indicating a mid-to-low tier position in the market [14]. Capital Requirements - The company's registered capital of 300 million yuan is the lowest among 31 licensed consumer finance companies and does not meet the new regulatory requirement of 1 billion yuan established in March 2024 [15]. - The company faces challenges in increasing its capital due to limited profitability and difficulties in reaching consensus among shareholders regarding capital increase plans [15]. Partnerships and Business Strategy - Shengyin Consumer Finance has disclosed a list of 37 partner institutions, including 17 lead generation and 20 guarantee institutions, which may enhance its customer base through partnerships with major internet companies [12][13]. - The company aims to leverage scene-based platforms for integrating financial services into everyday scenarios, potentially improving customer engagement and service delivery [13].