Core Insights - The article emphasizes the importance of compliance in the operations of futures and risk management companies, highlighting the need for a dynamic compliance mechanism to navigate hidden compliance traps in business processes [3][5]. Compliance Key Points and Practical Recommendations 1. Key Compliance Nodes in Business Processes - Business entry must prevent internal cross-risk, ensuring risk isolation between futures companies and risk management companies as mandated by regulations [4]. - Recent cases reveal significant compliance failures, such as a brokerage firm failing to isolate customer information, leading to regulatory penalties [4][5]. 2. Contract Design: Substance Over Form in Rigid Payment Clauses - The Asset Management New Regulations prohibit any form of rigid payment clauses, with strict penalties for violations [6]. - Institutions must avoid ambiguous terms that imply guaranteed returns, as these may be deemed invalid in disputes [6]. 3. Margin Management: Building a Comprehensive Risk Control Loop - Margin management is critical for risk control, with recommendations for ensuring margin collection meets exchange standards and maintaining thorough records [7][8]. - Institutions should establish robust credit management systems and ensure that margin amounts are reasonable and aligned with contract risks [8][9]. 4. Investor Suitability Management Requirements - A dynamic customer assessment mechanism is essential, requiring ongoing evaluations of investors' risk tolerance [10][11]. - Strict product risk matching is necessary, prohibiting the sale of high-risk products to low-risk tolerance investors [12]. 5. Comprehensive and Intelligent Risk Control System - Institutions should develop a unified compliance data platform to standardize regulatory data collection and enhance real-time monitoring [15]. - Automated monitoring of key parameters and the implementation of algorithmic trading monitoring modules are recommended to improve compliance efficiency [16][17]. 6. Strengthening Data Security and Personal Information Protection - Institutions must classify and manage data according to its sensitivity, ensuring compliance with data protection laws [19][20]. - Long-term retention of business logs is necessary for regulatory audits and compliance verification [21]. 7. Cross-Border Business and Geopolitical Risk Prevention - The article discusses the increasing facilitation of foreign investor participation in China's futures market, while also highlighting the need for geopolitical risk management in cross-border contracts [25][26]. - Institutions are advised to include renegotiation mechanisms in contracts to address unforeseen geopolitical events [26]. Conclusion - The futures market is expected to develop with a focus on both compliance and innovation, necessitating futures companies to strengthen their compliance frameworks while seizing business opportunities [29].

（原标题：网红张雪峰、户晨风账号被处置详情披露） 专家认为，户晨风用这种大肆输出所谓"安卓人""苹果人"的做法，本质是通过制造尖锐对立议题、煽动 群体间情绪、贩卖焦虑，来吸引眼球和流量，最终目的是实现商业变现。 "宣扬扭曲价值观"乱象 编造标签，煽动群众对立；物欲横流，宣扬扭曲价值观；内容失格，污染网络环境；劣迹斑斑却试 图"换壳重生"。这几类乱象在当前的网络生态中尤为凸显。 12月3日，中央网信办集中通报了包括"户晨风""张雪峰""阑夕"等在内的一批网络名人账号违法违规处 置案例。此次行动因涉及多位头部网红而引发广泛关注。 中央网信办公布 网络名人账号违法违规案例 "煽动群众对立"乱象 网络账号"户晨风"在多个平台长期编造所谓"安卓人""苹果人"等煽动群体对立言论，各平台相关账号已 关闭。 安卓房子、苹果房子，从何而来？这是网红博主"户晨风"在网上发表的极端言论，在多个平台长期编造 所谓"安卓人""苹果人"等标签，人为制造并激化社会群体间的对立情绪。 实际上，从展示跨国消费差异到制造阶层对立，户晨风以"苹果、安卓论"收割流量，该账号因突破监管 红线被封禁，多平台账号被彻底注销。 为了博取眼球、吸引流量，户晨 ...

编造标签，煽动群众对立；物欲横流，宣扬扭曲价值观；内容失格，污染网络环境；劣迹斑斑却试图"换壳重生"。这几类乱象在当前的网络生态中尤为凸 显。 12月3日，中央网信办集中通报了包括"户晨风"、"张雪峰"、"阑夕"等在内的一批网络名人账号违法违规处置案例。此次行动因涉及多位头部网红而引发 广泛关注。 "户晨风"编造"安卓人""苹果人" 煽动群众对立 安卓房子、苹果房子，从何而来？这是网红博主"户晨风"在网上发表的极端言论，在多个平台长期编造所谓"安卓人""苹果人"等标签，人为制造并激化社 会群体间的对立情绪。 网络账号"户晨风"在多个平台长期编造所谓"安卓人""苹果人"等煽动群体对立言论，各平台相关账号已关闭。 实际上，从展示跨国消费差异到制造阶层对立，户晨风以"苹果、安卓论"收割流量，该账号因突破监管红线被封禁，多平台账号被彻底注销。 为了博取眼球、吸引流量，户晨风在他的视频和直播中构建了一套以"苹果/安卓"为核心的极端话语体系。在他的口中，"苹果人"就是所谓"精英阶层"，特 征包括使用iPhone手机、驾驶特斯拉汽车、在山姆会员店消费。 中国政法大学网络法学研究所教授郭旨龙：户晨风的行为是在网络上看起来像是 ...

每经编辑｜段炼 编造标签，煽动群众对立；物欲横流，宣扬扭曲价值观；内容失格，污染网络环境；劣迹斑斑却试图"换壳重生"。这几类乱象在当前的网络生态中尤为凸 显。 12月3日，中央网信办集中通报了包括"户晨风"、"张雪峰"、"阑夕"等在内的一批网络名人账号违法违规处置案例。此次行动因涉及多位头部网红而引发 广泛关注。 "户晨风"编造"安卓人""苹果人" 煽动群众对立 网络账号"户晨风"在多个平台长期编造所谓"安卓人""苹果人"等煽动群体对立言论，各平台相关账号已关闭。 安卓房子、苹果房子，从何而来？这是网红博主"户晨风"在网上发表的极端言论，在多个平台长期编造所谓"安卓人""苹果人"等标签，人为制造并激化社 会群体间的对立情绪。 实际上，从展示跨国消费差异到制造阶层对立，户晨风以"苹果、安卓论"收割流量，该账号因突破监管红线被封禁，多平台账号被彻底注销。 为了博取眼球、吸引流量，户晨风在他的视频和直播中构建了一套以"苹果/安卓"为核心的极端话语体系。在他的口中，"苹果人"就是所谓"精英阶层"，特 征包括使用iPhone手机、驾驶特斯拉汽车、在山姆会员店消费。 中国政法大学网络法学研究所教授 郭旨龙：户晨风的行为是 ...

12月3日，中央网信办集中通报了包括"户晨风"、"张雪峰"、"阑夕"等在内的一批网络名人账 号违法违规处置案例。此次行动因涉及多位头部网红而引发广泛关注。 网络账号"户晨风"在多个平台长期编造所谓"安卓人""苹果人"等煽动群体对立言论，各平台相 关账号已关闭。 编造标签，煽动群众对立；物欲横流，宣扬扭曲价值观；内容失格，污染网络环境；劣迹斑斑 却试图"换壳重生"。这几类乱象在当前的网络生态中尤为凸显。 安卓房子、苹果房子，从何而来？这是网红博主"户晨风"在网上发表的极端言论，在多个平台 长期编造所谓"安卓人""苹果人"等标签，人为制造并激化社会群体间的对立情绪。 "煽动群众对立"乱象 实际上，从展示跨国消费差异到制造阶层对立，户晨风以"苹果、安卓论"收割流量，该账号因 突破监管红线被封禁，多平台账号被彻底注销。 中国传媒大学网络空间全球治理研究中心教授 徐培喜：煽动所谓的使用苹果和安卓的这种阶 层对立，有些是他们故意制造的，比如说男女之间的对立和歧视，煽动年轻人和老年人之间的 对立。如果他是为了博取流量、增加粉丝，攫取经济利益，随意传播有害信息去误导公众，非 常严重破坏了健康的网络生态秩序。 为博流量毫无底线 ...

Core Viewpoint - Xiamen Jinmeixin Consumer Finance Co., Ltd. has received a fine of 1.2 million yuan due to inadequate management of third-party partners, insufficient consumer rights protection, and lack of due diligence in personal consumer loan business [1] Group 1: Regulatory Actions - Jinmeixin Consumer Finance has been fined twice in 2023, with the first fine of 820,000 yuan in June for violations related to credit information management [1] - The increase in frequency and amount of penalties indicates a shift towards more stringent regulatory oversight in the consumer finance industry, emphasizing the need for comprehensive management of partnerships and consumer rights protection [1] Group 2: New Regulations - The new lending regulations implemented in October require consumer finance companies to manage partner institutions through a publicized list and disclose all fees and costs to borrowers, with a cap on total financing costs at 24% [2] - Jinmeixin has updated its list of third-party partners, which includes 32 lead generation institutions, 13 guarantee institutions, and 5 outsourced collection agencies [2] Group 3: Internal Control and Compliance - The internal control system of Jinmeixin has been criticized for not effectively integrating risk management throughout its business processes, particularly in partner selection and monitoring [3] - The company needs to establish a dynamic evaluation and exit mechanism for partner institutions and enhance its technology investments to improve customer acquisition and independent risk management [3] Group 4: Corporate Governance - Jinmeixin is one of the few consumer finance companies that do not meet the capital requirement of 1 billion yuan, with a current registered capital of only 500 million yuan [4] - The company has not provided responses regarding its compliance measures and capital increase plans following the penalties [4]

北京商报讯（记者 岳品瑜 董晗萱）时隔不到半年，这家消费金融公司再领罚单。来自金融监管总局12月1日披露的行政处罚显示，厦 门金美信消费金融有限责任公司（以下简称"金美信消金"）因第三方合作机构管理不到位、消费者权益保护工作不到位及个人消费贷 款业务调查审查不审慎，被厦门金融监管局罚款120万元，相关责任人庄雅兰、周忠德被警告。 | 国家金融监督管理总局 | 厦门监管局 | | 无障碍浏览 繁 I M | | --- | --- | --- | --- | | 请输入您要搜索的内容 ... | | | | | 0 机构概况 - 新闻资讯 政务信息 在线服务 互动交流 | | | 统计数据 | | 当前位置: 首页 > 政务信息 > 行政处罚 > 监管局本级行政处罚 | | | | | 发布时间:2025-12-01 来源:厦门监管局 文章类型:原创 高打印 | | | 合微博 9 微信 +更多 | | 国家金融监督管理总局厦门监管局行政处罚信息公开表（编号:2025-3） | | | | | 序 当事人名称 主要违法违规行为 름 | 行政处罚内容 | 作出决定机 关 | | | 厦门金美信消费 第三方合作机构 ...

Core Viewpoint - The rapid development of the digital economy has made live e-commerce a significant driver of consumption and economic growth, but it also faces issues such as false advertising, after-sales difficulties, and data fraud. The new regulatory framework aims to establish a comprehensive system for managing responsibilities among all parties involved in live e-commerce [1][2]. Group 1: Regulatory Framework - The State Administration for Market Regulation (SAMR) and the National Internet Information Office have developed the "Live E-commerce Supervision Management Measures," which will soon be officially released [1]. - The new regulations aim to define the responsibilities of all parties involved in live e-commerce, moving the industry towards a more standardized and legally compliant phase of "high-quality development" [1][2]. Group 2: Industry Characteristics and Challenges - Live e-commerce features a distinct separation of "people, goods, and scenes," complicating the resolution of disputes as consumers often struggle to identify responsible parties [2]. - The SAMR plans to enhance the regulatory framework by establishing an integrated supervision mechanism that includes both online detection and offline investigation [2][3]. Group 3: Regulatory Innovations - The SAMR will implement a "layered and graded supervision" approach and a "penetrating supervision" system to improve governance capabilities in the live e-commerce sector [3]. - The focus of competition in live e-commerce is expected to shift from mere traffic and lowest prices to supply chain capabilities, service quality, and brand reputation as the regulatory framework matures [3].

市场监管总局网监司副司长吴东美。封面新闻记者 戴云 摄 一是强化分层分级层级对应监管。针对电商平台跨域跨界经营的特点，市场监管部门将进一步合理划分平台监管职责，统筹运用提级管辖、指定管辖等机 制，进一步加大监管执法力度。总局将坚决依法查处具有全国影响的直播电商重大案件，支持省级市场监管部门特别是直播电商主体较为集中地区监管部 门积极主动作为，形成治理合力，确保直播电商行业整治取得可感可及的标志性成果。 二是强化跨区域指挥调度。针对直播电商行业人、货、场分离的特点，总局将继续加强对跨区域重大案件的指挥调度，强化信息共享和协同配合，建立健 全"线上发现、线下追查，线下发现、线上管控"的直播电商一体化监管机制，推动全链条打击，实现源头治理。 封面新闻记者 戴云 11月28日，市场监管总局召开直播电商监管专题新闻发布会，网监司副司长吴东美在会上表示，直播电商监管涉及直播电商平台、直播间运营者、直播营 销人员及其服务机构等多方主体，人、货、场分离，交易链条长，涉及区域广，参与主体的法律关系复杂，给监管工作带来重大挑战。市场监管部门将进 一步加强系统化监管、跨区域监管、穿透式监管，着力提升直播电商行业治理能力和水平。 三 ...

Core Viewpoint - The Market Supervision Administration is developing a new regulatory model to address the challenges posed by live-streaming e-commerce, focusing on enhancing governance capabilities through three main measures [1][2]. Group 1: Regulatory Measures - Strengthening tiered and graded regulatory enforcement to address the cross-regional nature of e-commerce platforms, with a focus on delineating regulatory responsibilities and enhancing law enforcement efforts [2]. - Enhancing cross-regional command and coordination to achieve comprehensive chain-wide enforcement, establishing an integrated regulatory mechanism that combines online detection with offline investigation [2]. - Exploring penetrating regulation to innovate regulatory models, conducting pilot programs in active platform economies to analyze complex legal relationships and manage associated risks effectively [2].