素喜智研高级研究员苏筱芮在接收21世纪经济报道记者采访时表示，在贷款风控尽调环节，监管部门多 次强调不得将核心风控进行外包。本次阳光消费金融罚单出现"未自主计算授信额度及贷款定价"这样的 细化受罚事由，需要引起持牌消金公司高度重视，也表明持牌消费金融公司需要遵照监管原则，在助贷 合作协议中厘清权责，对授信、定价这样的核心环节进行自主把控而不是交由其他第三方。 21世纪经济报道记者 郭聪聪 北京报道 2025年5月30日，国家金融监督管理总局北京监管局公布的行政处罚信息显示，北京阳光消费金融股份 有限公司（简称 "阳光消金"）因多项违法违规行为被处以140万元罚款。 这是继 2025年3月重庆蚂蚁消费金融有限公司被罚140万元后，本年度消费金融行业开出的第二张超百 万元的罚单，再次凸显出监管层对消费金融领域合规经营的严格要求。 根据5月30日公布的行政处罚信息公开表，阳光消金被罚事由主要集中在合作业务领域，具体包括："合 作模式存在不足，合作业务管控不到位；未自主计算授信额度及贷款定价；贷后管理有效性不足；合作 机构管理不到位"等。 从处罚事由来看，多项违规事由涉及与助贷公司等机构的合作业务。其中"合作模式存在 ...

Core Viewpoint - The consumer finance industry is experiencing an increase in business complaints, primarily related to loan contract disputes and improper collection practices [1][2]. Group 1: Industry Trends - There is a rising trend in litigation cases within the consumer finance sector, with many complaints focusing on aggressive collection tactics and poor service experiences [1]. - Users have expressed dissatisfaction with certain consumer finance institutions, highlighting issues such as excessive fees and inadequate service during loan processes [1]. Group 2: Regulatory Environment - The newly implemented "Management Measures for Consumer Finance Companies" emphasizes consumer rights protection, mandating that institutions establish proper overdue loan collection management systems [2]. - The regulations prohibit the use of violence, threats, or harassment in debt collection, aiming to improve the treatment of consumers [2]. Group 3: Recommendations for Improvement - Consumer finance companies need to enhance their compliance and risk management practices while maintaining a focus on service quality to foster sustainable growth [1][3]. - Institutions should transform consumer complaints into opportunities for improvement, ensuring that they do not compromise on service quality in pursuit of profit [2][3].