违规催收？微粒贷2.6万条投诉背后：微众银行合作超280家催收机构

Group 1 - The article highlights the significant number of complaints against WeBank's "Weilidai" loan collection practices, with over 26,000 complaints reported on consumer platforms, indicating a serious issue with aggressive collection tactics [4][5]. - Complaints primarily focus on harassment of family members, privacy breaches, and unauthorized deductions, with many users reporting violent collection methods [5][7]. - Legal experts emphasize that collection agencies must adhere to strict compliance guidelines, only contacting emergency contacts when unable to reach the debtor directly and prohibiting the disclosure of specific debt details [7]. Group 2 - WeBank, established in 2014, is China's first private and internet bank, offering various financial products, including "Weilidai," "Weiche DAI," and "Xiao'e Huqian" [4]. - As of October 1, the "Assisted Loan New Regulations" were implemented, which clarify management rules for internet loan services, including interest rate caps and a whitelist for partner institutions [8]. - WeBank's partnership network includes 382 third-party institutions, with a significant majority (320) being collection agencies, reflecting the bank's reliance on aggressive collection strategies [8][9]. - The bank's 2024 annual report indicates that "Weilidai" has served over 70 million borrowers, with a daily average of 930,000 loans issued, but also reveals a rising non-performing loan rate from 1.44% to 1.57% [10]. - Despite a commitment to resolving complaints, the high volume of grievances suggests ongoing challenges in post-loan management and customer relationship governance [10].