这家公司名字听起来或许有些陌生，但其背后的资本版图却不容小觑——它的实际控制方，正是美的集团创始人何享健之子何剑锋所 掌舵的盈峰集团。 01.千亿帝国下的金融棋子 资料显示，盈峰集团已构建起一个横跨消费、环境、文化、资管、科技等多个领域的庞大投资版图。集团业务覆盖全球200多个国家 和地区，资产规模近900亿元，年营收约400亿元，员工总数超过6万人，是不折不扣的产业巨头。 临近新年，金融监管罚单并未停歇。2025年12月31日，中国人民银行广东省分行官网披露，广东盈峰普惠互联网小额贷款股份有限公 司因违反征信业务管理有关规定，被处以83.91万元罚款。这张罚单的作出日期是2025年12月26日。 此次被罚的盈峰小贷，隶属于盈峰集团旗下的科技板块——盈峰数科。盈峰数科成立于2015年，总部设在广州，手握全国互联网小 贷、商业保理等多个金融牌照，注册资本金合计超过13亿元。 | 广东盈峰普惠互联 小额贷款股份有限 公司 | 广东银罚决字 〔2025〕 51号 | 违反征信业务管理有关规定。 | 处罚款83.91万元 | 中国人民银行广东省 分行 | 12月26日2025年 | | --- | --- | --- ...

Core Viewpoint - Shanghai Shengteng Data Technology Co., Ltd. was fined for violations related to credit reporting and evaluation methods, highlighting the increasing regulatory scrutiny in the credit information industry [1][3]. Group 1: Company Specifics - Shanghai Shengteng Data Technology Co., Ltd. was fined RMB 115,500 for failing to report the required credit report templates and evaluation methods [1][2]. - The direct responsible person, Hong, was fined RMB 3,850 for the violations [1][2]. - The company, established in 2017, offers a product called "Qixinbao," which provides enterprise information retrieval services [1]. Group 2: Regulatory Environment - The penalty reflects the high standards and strict requirements imposed by the regulatory authorities, particularly the People's Bank of China [3]. - The Central Bank's 2021 regulations mandate that credit institutions report specific credit information, including templates and evaluation methods, to prevent biased evaluations [3]. - Recent penalties in the credit information sector indicate a trend of increasing regulatory demands, particularly concerning user data collection and privacy protection [4]. Group 3: Industry Implications - The fine serves as a warning for the industry, emphasizing the need for compliance over innovation in credit-related businesses [5]. - Future regulatory focus is expected to be on data sources, algorithm logic, and fairness of results, necessitating enhanced internal controls and governance structures within institutions [5]. - Companies are encouraged to invest in financial technology to improve data handling capabilities and ensure the accuracy and security of credit information [5].

Core Viewpoint - The management and regulation of the credit information market in China are being strengthened, with an increase in penalties for non-bank financial institutions violating credit information management regulations [1][2]. Group 1: Regulatory Actions - In 2025, Chongqing Xiaoyudian Microloan Co., Ltd. was fined 2.491 million yuan for violating credit information management regulations, marking the largest single fine in the microloan industry [1]. - Other companies, such as BMW Automotive Finance (China) Co., Ltd. and Haier Microloan Co., Ltd., have also faced penalties for unauthorized credit information queries and violations of credit information management regulations, with fines ranging from 480,000 yuan to 901,000 yuan [2]. Group 2: Compliance Challenges - Common compliance issues in the industry include unclear authorization during customer marketing, inadequate anti-money laundering measures, and excessive collection of personal credit information without consent [3]. - Financial companies have been found to violate regulations by not adhering to the principle of minimal necessity in information collection and failing to remove settled loan customers from batch query lists [3]. Group 3: Need for Improved Compliance Systems - There is a consensus in the industry that institutions need to establish more robust compliance systems to meet regulatory requirements [4]. - Companies are encouraged to implement multiple verification mechanisms and designate specialized departments for credit compliance review to ensure thorough oversight of credit-related activities [4]. Group 4: Internal Audits and Training - Regular internal audits should be conducted to ensure compliance with laws and internal policies, allowing for timely identification and rectification of issues [5]. - Companies like Xiaoyudian Microloan are focusing on training their staff on credit-related laws and regulations to enhance overall compliance capabilities and risk management [5].