金美信消金再吃罚单，因第三方机构管理不到位被罚120万

Core Viewpoint - Xiamen Jinmeixin Consumer Finance Co., Ltd. has been fined 1.2 million yuan due to inadequate management of third-party partners, insufficient consumer rights protection, and imprudent investigation of personal consumer loan business [1][2]. Group 1: Regulatory Actions - The Xiamen Financial Supervision Administration imposed a fine of 1.2 million yuan on Jinmeixin for various compliance failures [1][2]. - This is not the first penalty for Jinmeixin in 2023; previously, it was fined 820,000 yuan for violating credit information management regulations [1][2]. Group 2: Company Background - Jinmeixin was established on April 27, 2018, with approval from the China Banking and Insurance Regulatory Commission, and began operations on September 29, 2018 [2]. - The company is jointly owned by three major shareholders: Jinyuan Jinkong (33%), Gome Holdings Group (33%), and China Trust Commercial Bank (34%) [2]. Group 3: Product Offerings - Jinmeixin offers two loan products: "Jisu Loan 2.0" with a limit of 50,000 yuan and an annual interest rate between 18% and 24%, and "Life Loan" with a maximum limit of 200,000 yuan and an annual interest rate between 4.88% and 24% [3]. - The company has recently disclosed 51 third-party partners, including 32 lead generation partners, 13 guarantee institutions, and 5 external collection agencies [3]. Group 4: Industry Trends - In 2023, a total of 11 consumer finance institutions have faced regulatory penalties, primarily focusing on three areas: management of third-party partners, consumer rights protection, and data compliance [3]. - Regulatory emphasis is placed on the prudent management of third-party partners, consumer rights protection against misleading marketing and improper collection practices, and adherence to data security and compliance regulations [3].