又有消费金融公司被罚！ 近日，国家金融监督管理总局北京监管局最新披露的罚单显示，北京阳光消费金融股份有限公司（下称"阳光消金"）被罚140万元。数据显示，这是2025年 以来消费金融企业收到的第二张百万级罚单。 《办法》第四十九条指出：消费金融公司应当持续对合作机构进行管理，及时识别、评估因合作机构违法违规导致的风险，督促合作机构落实合规管理、消 费者权益保护责任，结合服务内容、服务质量、服务合规性等制定合理的激励约束机制，严格规范其行为。此外，消费金融公司应当至少每年对合作机构开 展一次全面评估。 | 序 | 当事人 | 主要违法违规行为 | 行政处 | | --- | --- | --- | --- | | 를 | 名称 | 合作模式存在不足, | 内容 | | 1 | 北京阳光 消费金融 | | 罚款14 | | | | 合作业务管控不到 | | | | | 位;未自主计算授信 | | | | | 额度及贷款定价;贷 | | | | 股份有限 | | 万元 | | | 公司 | 后管理有效性不足; | | | | | 合作机构管理不到位 | | | | | र्स | | 因合作业务管理不善被罚 具体来 ...

Core Viewpoint - The recent administrative penalty imposed on Beijing Sunshine Consumer Finance Co., Ltd. highlights significant deficiencies in its cooperative business management and risk control practices, indicating a growing regulatory focus on the management of cooperative institutions within the consumer finance sector [1][3]. Group 1: Penalty Details - Beijing Sunshine Consumer Finance was fined 1.4 million yuan due to inadequate management of cooperative business, failure to independently calculate credit limits and loan pricing, insufficient post-loan management effectiveness, and poor management of cooperative institutions [1][3]. - This penalty marks the second instance of a consumer finance institution receiving a fine exceeding one million yuan in 2024, reflecting a trend of increased regulatory scrutiny in the sector [1][3]. Group 2: Industry Trends - In 2024, five consumer finance institutions, including Citic Consumer Finance and Industrial Bank Consumer Finance, received penalties for similar issues related to cooperative business management, with fines typically exceeding one million yuan [3]. - Regulatory authorities have emphasized that core risk control should not be outsourced, and the recent fine against Sunshine Consumer Finance for not independently calculating credit limits and loan pricing underscores the need for consumer finance companies to reassess and rectify their cooperative business models [3][6]. Group 3: Financial Performance - In 2024, Sunshine Consumer Finance reported a net profit of 58 million yuan, representing a 66.1% year-on-year decline, positioning it at the lower end of profitability among licensed consumer finance institutions [4]. - The over-reliance on cooperative business models is viewed as detrimental to the long-term development of institutions like Sunshine Consumer Finance, prompting a shift towards building proprietary business scenarios [4]. Group 4: Regulatory Framework - The "Consumer Finance Company Management Measures" mandate ongoing management of cooperative institutions to identify and assess risks arising from their non-compliance, emphasizing the need for effective compliance management and consumer protection [5]. - Recent regulations, including the "New Regulations on Internet Assistance Business Management," have heightened management requirements for consumer finance cooperative institutions, necessitating transparency and risk monitoring [5]. Group 5: Future Outlook - As regulatory scrutiny on cooperative business practices intensifies, consumer finance institutions are urged to enhance their self-operating capabilities and improve the prudent management of cooperative partners to avoid similar penalties in the future [6].