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中银消费金融狂甩60亿不良贷款背后:净利润节节败退,不良率再创新高
Sou Hu Cai Jing· 2025-06-06 01:01
Core Viewpoint - 中银消费金融有限公司 is facing significant challenges with deteriorating asset quality and declining performance, as evidenced by its recent bulk transfer of non-performing personal consumption loans totaling 1.302 billion yuan, involving over 9,400 borrowers across multiple provinces [1][4][6]. Group 1: Financial Performance - In 2024, 中银消费金融 reported a net loss of 306 million yuan, marking the first mid-year loss in its history, making it the only loss-making company among its peers [6][10]. - The company's total assets reached 79.67 billion yuan by the end of 2024, with a net asset value of 9.1 billion yuan and a loan balance of 78.41 billion yuan [6][7]. - The net profit has seen a drastic decline from 853 million yuan in 2021 to just 59.5 million yuan in 2024, representing a nearly 90% drop [7][10]. Group 2: Asset Quality - 中银消费金融 has been actively transferring non-performing loans, with over 6 billion yuan in personal non-performing loans transferred in 2024 alone [4][6]. - The non-performing loan (NPL) ratio has increased from 2.80% in 2022 to 3.56% in 2024, indicating a worsening asset quality situation [9][10]. - The company has seen a continuous rise in the scale of non-performing loans, with figures of 1.728 billion yuan in 2022, 2.495 billion yuan in 2023, and 2.792 billion yuan in 2024 [9][10]. Group 3: Market Position and Competition - Despite its strong backing from major shareholders like 中国银行 and 百联集团, 中银消费金融 has lost its competitive edge, with peers like 中邮消金 and 宁银消金 reporting net profits of 804 million yuan and 303 million yuan respectively in 2024, both showing over 50% growth [8][10]. - The company was once a leader in the consumer finance sector but has struggled since 2018, with its growth momentum halted and profits declining [6][10]. Group 4: Regulatory Issues - 中银消费金融 has faced regulatory scrutiny, receiving fines for improper collection practices and management failures, including a fine of 900,000 yuan in December 2024 [13][15]. - The company received 503 complaints in 2024, primarily related to repayment negotiations and post-loan management, indicating customer dissatisfaction [15].
消费贷上不上征信?
Jing Ji Wang· 2025-06-05 09:45
金融时报社答网友: 打开手机,花呗、借呗、微粒贷、京东白条这些名称是不是特别熟悉?它们就像随时能"救急"的钱 包,不少人习惯了先消费后还款的生活方式。可当大家满心欢喜计划买房、买车,去银行申请贷款时, 却可能被"贷款审批不通过"这几个字浇了盆冷水。这背后,很可能就和消费贷有关。 最近,有位网友在《金融时报》公众号留言:"消费贷上不上征信?"相信这也是很多人的疑惑,今 天就来聊聊消费贷和征信那些事儿。 首先,我们得先弄明白什么是"上征信"。简单来说,就是从事信贷业务的机构,将消费者借钱、还 钱这些信贷信息,报送到金融信用信息基础数据库,也就是大家常说的"央行征信系统"。这个系统是国 家设立的,由中国人民银行征信中心负责管理,它就像一个超大的信用档案库,记录着个人和企业的信 贷信息以及其他信用情况。建立这个系统,是为了帮金融行业防范风险,让金融市场能更好地发展。而 且,《征信业管理条例》规定,从事信贷业务的机构,必须按要求把信贷信息报送到央行征信系统,这 可是法律规定的义务。 ——《金融时报》网友"卢斌" 消费贷上不上征信?为何这么多人都不还款?是不是欠债也不会上征信,导致违约成本极低? 如实填写信息:申请贷款时 ...
“牛回头”后存显著预期差,如何看待乐信(LX.US)资产质量优化带来的投资机会
智通财经网· 2025-06-05 05:13
投资者群体里有一句广为流传的话:投资是认知能力的变现。这句话运用到二级市场,简单说便是市场普遍的看法形成了股价, 而看法的变化则制造了股价的波动。以此引申开来,可以说利用好波动便是投资者获取超额收益的重要途径,而这其中的关键便 是及时发现预期差。 进一步来看,由于乐信业务结构较为丰富,而若要探究公司核心业务的真实状况,投资者的关注重点其实更应该聚焦在金融净收 入这一指标上。Q1期间,乐信的信贷服务与科技赋能两项业务的收入合计为28.2亿元,扣除资金及信贷成本等总计约10.0亿元后, 实现金融净收入18.2亿元,较去年第四季度不仅没有下滑,反而增加了近亿元,这一点可能也被众多投资者忽略了。 | (单位:千,份额和每股数据除外) | 2024 | 载至3月31日止三个月, | | | --- | --- | --- | --- | | | | 2025 | | | | 人民币 | 人民币 | 美元 | | 营业收入: | | | | | 值用便利服务收入 | 2, 648, 478 | 2, 190, 866 | 301, 910 | | 贷款便利化和服务费一 是非民族地之 | 1, 417, 249 | 1, ...
年省11亿!企业个人迎征信服务降费大礼包
第一财经· 2025-06-05 03:16
2025.06. 05 本文字数:1469,阅读时长大约2分钟 作者 | 第一财经 杜川 近日,国家发展改革委印发《关于进一步降低征信服务收费标准的通知》(下称《通知》),自 2025年7月1日起,一系列降费举措正式实施。 此次调整旨在进一步降低企业经营成本,优化营商环境,促进实体经济发展和社会信用体系建设,对 金融机构、企业和个人都将产生深远影响。 据了解,本次征信服务收费下调,预计每年可为用户节省成本支出约11亿元。 大幅降费 此次征信服务收费下调力度颇大,商业银行等机构查询企业信用报告基准服务费标准从每份20元降 至9元,查询个人信用报告基准服务费标准从每份2元降至1元。 降低社会综合融资成本 在银行息差压力增大、贷款利率下降难度提升的情况下,降低利率之外的非利息成本显得尤为重要。 国家金融监督管理总局发布的2025年一季度银行业保险业主要监管指标数据显示,继去年四季度商 业银行净息差降至1.52%后,今年一季度进一步降至1.43%。 "降低征信成本是降低社会综合融资成本的一项措施。在银行息差压力这么大的情况下,贷款利率下 降难度越来越大,降低利率之外的这些非息成本成了重中之重。其中,降低征信成本就是一 ...
信托业资产规模逼近30万亿元;就业数据不及预期,特朗普再催降息丨金融早参
Sou Hu Cai Jing· 2025-06-05 00:05
丨2025年6月5日 星期四丨 NO.1央行开展2149亿元7天期逆回购操作 中国人民银行公告显示,6月4日以固定利率、数量招标方式开展了2149亿元7天期逆回购操作,操作利 率1.40%,投标量2149亿元,中标量2149亿元。数据显示,6月4日2155亿元逆回购到期,据此计算,单 日净回笼6亿元。 点评:央行6月4日开展2149亿元7天期逆回购操作,中标量与投标量相等,操作利率维持1.40%。当日 逆回购到期2155亿元,单日净回笼6亿元,规模相对较小。从宏观视角来看,这一操作体现了央行在流 动性管理上的灵活精准调控。近期市场资金面整体较为平稳,央行通过小幅净回笼微调,有助于维持市 场资金供求平衡,避免资金过度淤积或短缺。 NO.2 欧洲央行正式批准保加利亚加入欧元区 据央视新闻,当地时间4日,欧洲央行正式批准保加利亚使用欧元的申请,使其成为欧元区第21个成员 国。欧盟委员会当天发布新闻稿称,保加利亚已准备好自2026年1月1日起使用欧元,这是一个重要的里 程碑。欧盟委员会主席冯德莱恩表示,保加利亚距离欧元成为其正式货币又近了一步。 点评:"2024年末信托资产规模接近30万亿元,这并不是一次简单的年度性 ...
年内多家消费金融公司领罚单 涉及贷后管理不到位等问题
Zheng Quan Ri Bao· 2025-06-04 16:46
中国邮政储蓄银行研究员娄飞鹏对《证券日报》记者表示,从监管罚单看,消费金融公司在经营管理中 需进一步完善公司治理、强化合规经营、有效防控风险,并加强合作机构管理、贷前贷后管理。 南开大学金融学教授田利辉对《证券日报》记者表示,消费金融公司需深刻反思并主动整改,强化合作 机构管理;完善全流程风控体系,提升消费者权益保护能力。在合规建设方面,需从"被动应对"转 向"主动预防",建议从制度、技术、人才和生态四大层面发力。 国家金融监督管理总局2024年3月份发布的《消费金融公司管理办法》明确要求,消费金融公司应当强 化风险管理主体责任,加强对合作机构的管理。例如,消费金融公司应当对合作机构实行名单制管理, 并根据合作内容、风险程度对合作机构进行分类管理,确保合作机构与合作事项符合法律法规和监管要 求。 近两年,多家消费金融公司因"合作机构管理不审慎""合作业务管控不到位"等问题领到罚单。"自2024 年开始,消费金融公司罚单呈现金额与数量双增、机构和个人'双罚'以及违规问题集中的三大特 征。"田利辉表示,从违规原因来看,合作机构管理不审慎和贷前贷后管理不到位等问题是监管部门关 注重点。 近期,又有一家消费金融公司收 ...
小米消费金融,有点奇怪
Ge Long Hui· 2025-06-04 10:14
通过小米消费金融的客服得知,小米消费金融的自营产品名为诚星借。 而诚星借又出现了十分神奇的一幕,在人脸识别之后,诚星借仅要求填写"居住信息及职业类型",对于 一般贷款产品必备的"收入情况、贷款用途和紧急联系人"等完全没有填写的页面。 2017年发布的《关于规范整顿"现金贷"业务的通知》(下称《通知》)要求:(各类机构)应全面持续 评估借款人的信用情况、偿付能力、贷款用途等,审慎确定借款人适当性、综合资金成本、贷款金额上 限、贷款期限、贷款展期限制、"冷静期"要求、贷款用途限定、还款方式等。不得向无收入来源的借款 人发放贷款,单笔贷款的本息费债务总负担应明确设定金额上限,贷款展期次数一般不超过2次。 那么收入、贷款用途等信息,小米消费金融均未获取,它是如何"全面持续评估"、"审慎确定"的呢?甚 至于,如何确定借款人有无收入来源? 换言之,它涉嫌违规了吗?还真不好说。 很疑惑,小米消费金融的产品是什么?官网竟没有披露,只有一个公众号二维码。 作者关注该账号,并尝试申请后出现了奇怪的一幕:仅对特邀用户开放申请。 官网披露的借款渠道仅对特邀用户开放申请,那非特邀用户该去哪里申请贷款? 1、 2、 在填写信息后,诚星贷 ...
捷信消金正式更名为京东消费金融
news flash· 2025-06-04 07:55
捷信消金正式更名为京东消费金融 金十数据6月4日讯,天眼查App显示,近日,捷信消费金融有限公司发生工商变更,企业名称变更为天 津京东消费金融有限公司,新增广州晶东贸易有限公司、网银在线(北京)商务服务有限公司、中国对 外经济贸易信托有限公司等为股东,同时注册资本由70亿人民币减至50亿人民币。 ...
Upstart (UPST) 2025 Conference Transcript
2025-06-03 18:40
Upstart (UPST) 2025 Conference Summary Company Overview - **Company**: Upstart (UPST) - **Industry**: Consumer Finance and Payments Key Points and Arguments AI and Machine Learning - Upstart has been utilizing AI and machine learning techniques for many years, distinguishing itself from other lenders who have recently adopted similar technologies [5][6] - The competitive advantage of Upstart lies in its speed and the extensive investment in a specialized technology team of approximately 70 machine learning researchers [8][9] - Upstart's models are continuously improved, achieving a 2-3% enhancement in model accuracy each month through investments in model architecture, new consumer data, and computational resources [21][22][23] Macro Resilience and Calibration - Upstart's models have been adjusted to be more macro-aware, allowing them to respond to current economic conditions rather than relying solely on historical data [27][28] - The introduction of the Upstart Macro Index (UMI) helps assess the likelihood of defaults based on current macro conditions, improving the model's calibration speed from eight quarters to as little as two quarters [29][32] Financial Performance and Credit Risk - Credit performance is the key performance indicator (KPI) for Upstart, directly influencing capital market confidence and borrower approvals [36] - The company has established forward flow agreements with private funds, which involve extensive due diligence to ensure credit performance during economic stress [39][40] - Upstart manages risk by creating a macro insurance layer, where overperformance in benign periods compensates for underperformance during economic downturns [61][62] Product Diversification - Upstart is expanding its product offerings to include auto loans, HELOCs, and small dollar loans, driven by borrower needs and market opportunities [42][43] - The strategy aims to serve borrowers throughout their credit lifecycle, leveraging existing data to enhance underwriting accuracy across various products [46][48] Market Conditions and Economic Outlook - The current economic environment shows a disconnect between consumer spending and financial security, with many Americans relying on cash flow products to manage expenses [66][71] - Despite a resilient labor market, there is a significant portion of the population that feels financially insecure, which could impact future credit performance [70][71] Additional Important Insights - Upstart's focus on continuous improvement in its models and the ability to adapt to macroeconomic changes positions it favorably for future challenges [12][30] - The company has made strategic decisions to protect its core product offerings during economic stress, which are now showing positive momentum [50][51] - The leadership team expresses excitement about the potential of new products and their ability to meet diverse consumer needs [52][56]
阳光消费金融被罚140万元,直指核心风控能力不足
Guo Ji Jin Rong Bao· 2025-06-03 14:06
Group 1 - The core viewpoint is that Sunshine Consumer Finance has been fined 1.4 million yuan due to regulatory compliance issues and inadequate management of cooperative business models [1] - The fine indicates ongoing regulatory pressure on the consumer finance industry, particularly regarding the management of credit limits and loan pricing in partnerships with other institutions [1] - Analysts suggest that the fine reflects a broader trend of stringent regulation on cooperative business practices within the consumer finance sector [1] Group 2 - Sunshine Consumer Finance reported its first annual performance decline since its establishment in August 2020, with a net profit of only 58 million yuan in 2024, a year-on-year drop of 66.1% [2] - The company experienced a loss of 4 million yuan in the second half of 2024, and its total assets decreased by 16.2% to 9.783 billion yuan by the end of 2024 [2] - Sunshine Consumer Finance is a licensed consumer finance institution approved by the China Banking and Insurance Regulatory Commission, with a registered capital of 1 billion yuan [2]