文 | 《BUG》栏目 周文猛 近日，国家金融监督管理总局青岛监管局公布行政处罚信息显示：海尔消费金融（简称：海尔消金）因 夸大营销、催收不当、部分信贷资金挪用等问题被罚205万元，创近三年消金行业最大罚款纪录。时任 公司董事兼总经理黄应华，也被罚款并取消2年任职资格。 在黑猫投诉 【下载黑猫投诉客户端】上，目前累计投诉高达1.6万条，绝大多数的投诉内容指向了"暴力 催收""威胁恫吓"。同时，截至目前，海尔消金名下已累计10.04万起官司，其中98.93%案件身份为原 告。 对此，海尔消金官方回应《BUG》栏目，称"暴力催收肯定是不被允许的，但合法催收是我们的权益， 客户出现逾期我们是会提醒的，可能从用户的角度来看，他们会认为这是'暴力催收'，我们希望客户遇 到逾期问题时，能第一时间联系我们，我们也会根据客户提供的证据适当减免。"但对于是否能为每个 逾期用户都给到最优的减免及逾期应对方案，海尔消金方面表示："这是不可能的，只是能给到真正有 困难的人员"。 海尔消金指出："催收环节暴露出的一系列问题，也是整个行业都存在的问题，公司会不断优化改进。" "暴力催收"笼罩，上万投诉压顶 提及海尔消金，借款人李铭（化名 ...

Group 1 - The core viewpoint of the news highlights that Lexin (LX) experienced a stock price increase of 5.07% on August 12, reaching $6.735 per share, with a total market capitalization of $1.133 billion [1] - Financial data shows that as of March 31, 2025, Lexin's total revenue was 3.104 billion RMB, representing a year-on-year decrease of 4.25%, while the net profit attributable to shareholders was 430 million RMB, reflecting a significant year-on-year increase of 113.43% [1] Group 2 - On August 7, Lexin disclosed its interim report for the fiscal year 2025, with the actual disclosure date subject to company announcements [2] - Lexin Holdings Limited is recognized as a leading new consumption service platform in China, focusing on technological innovation to create new consumption methods, primarily through its installment consumption brand Fenqile and membership-based service brand Lekar [2] - The main business segments of Lexin include the quality installment shopping platform Fenqile Mall, the membership service platform Lekar APP, the fintech open platform Dingsheng Technology, the online lending information intermediary service platform Juzi Finance, and the wealth management service brand Lexin Wealth [2]

资料显示，乐信控股有限公司是中国领先的新消费服务平台,以科技创新不断创造新消费方式,打造了以 分期消费品牌分期乐、会员制消费服务品牌乐卡为核心的新消费服务生态,帮助亿万用户快乐消费,通过 科技助力商家提升经营能力,创造更大商业价值,助力中国新商业文明加快建设,推动中国经济健康蓬勃发 展。 乐信旗下主要业务包括:品质分期购物平台分期乐商城、会员制消费服务平台乐卡APP、金融科技开放 平台鼎盛科技、网络借贷信息中介服务平台桔子理财,以及智慧新中产财富管理服务品牌乐信财富。 本文源自：金融界 财务数据显示，截至2025年03月31日，乐信收入总额31.04亿人民币，同比减少4.25%；归母净利润4.3 亿人民币，同比增长113.43%。 大事提醒： 8月7日，乐信(美东)盘前披露2025财年中报（数据来源于纳斯达克官网，预计披露日期为美国当地时 间，实际披露日期以公司公告为准）。 8月11日，乐信(LX)开盘上涨3.12%，截至21:30，报6.61美元/股，成交62.75万美元，总市值11.12亿美 元。 作者：行情君 ...

Core Viewpoint - The article highlights the intensified crackdown on illegal financial intermediaries in China, particularly focusing on illegal loan intermediaries that exploit consumers and pose challenges to financial institutions [1][4]. Summary by Sections Illegal Loan Intermediaries - Illegal loan intermediaries are identified as a significant issue in the financial sector, with the Beijing Financial Regulatory Bureau implementing a comprehensive strategy to combat these practices [1][4]. - A case is presented where a business owner, Mr. Wu, was misled by an intermediary, resulting in a loan of over 6 million yuan, but he only received about 5 million yuan after the intermediary deducted nearly 1 million yuan as a "service fee" [2][3]. Common Tactics of Illegal Intermediaries - The article outlines several common tactics used by illegal intermediaries, including: - False marketing and low-interest promises, misleading consumers into believing they have partnerships with banks [4]. - Fraudulent packaging of loan applications, targeting small businesses and individuals with poor credit histories [5]. - Implementation of "trap loans," where intermediaries create false loan agreements and use coercive tactics to extract money from borrowers [5]. Regulatory Response - The Beijing Financial Regulatory Bureau has announced a multi-faceted approach to address these issues, which includes: - Holding banks accountable for their lending practices and prohibiting partnerships with illegal intermediaries [6]. - Conducting thorough investigations to identify suspicious intermediaries using data analysis and regular monitoring [6]. - Promoting collaboration between central and local authorities to enhance enforcement and address the root causes of these illegal activities [6].

湖北消费金融公司成立于2015年4月7日，法定代表人为蔡碧。其经营范围主要包括发放个人消费贷款、 接受股东境内子公司及境内股东的存款等业务。股东信息显示，该公司由新疆特易数科信息技术有限公 司、湖北银行股份有限公司、万得信息技术股份有限公司、TCL科技集团股份有限公司等共同持股。 北京商报讯 （记者 岳品瑜 实习生 岳雯艳）8月9日，天眼查App更新数据显示，湖北消费金融股份有限 公司完成工商变更，注册资本由约10.06亿元人民币大幅增加至约13.59亿元人民币，增幅约35%。此次 增资同时伴随部分高管人员变更。 ...

人民财讯8月11日电，企查查APP显示，近日，湖北消费金融股份有限公司发生工商变更，注册资本由 约10.06亿元增至约13.59亿元，同时部分高管发生变更。企查查信息显示，该公司成立于2015年，法定 代表人为蔡碧，经营范围包括发放个人消费贷款、接受股东境内子公司及境内股东的存款等。 ...

经济观察网8月11日，海尔消费金融股份有限公司(以下简称"海尔消金")宣布，其申报的"多模态大小模 型协同智能反欺诈系统"项目荣获2024年度青岛市金融创新成果激励二等奖。该奖项由青岛市金融工作 委员会办公室于8月7日公布的激励名单中正式发布。(编辑胡群) ...

Core Viewpoint - The announcement details the transfer of non-performing personal loans by China Bank Consumer Finance Co., with a total outstanding principal of approximately 186.16 million yuan and a total outstanding interest of about 102.99 million yuan, indicating significant asset management challenges for the company [1][2]. Group 1: Loan Details - Total outstanding principal amount is 186,164,965.85 yuan [1] - Total outstanding interest amount is 102,996,415.67 yuan [1] - Total outstanding principal and interest amount is 289,161,381.52 yuan [1] - Number of loans involved is 1,954 [1] - Average outstanding principal and interest balance per borrower is 147,984.33 yuan [1] Group 2: Borrower Information - Average age of borrowers is 45.96 years [1] - Maximum outstanding principal and interest balance for a single borrower is 433,771.86 yuan [1] - Average credit limit for borrowers is 149,620.46 yuan [1] Group 3: Loan Classification and Legal Status - The loans are classified as losses, totaling 1,954 cases [1][2] - Legal status includes 971 cases that have been adjudicated but not enforced, 599 cases that are not yet litigated, 217 cases that have concluded execution, and 167 cases under final execution [2] Group 4: Auction Details - The non-performing asset package will be auctioned starting on August 22, 2025, with a starting price of 9.53 million yuan and a bidding increment of 50,000 yuan [2]

Group 1 - The core viewpoint of the articles indicates that Qudian Inc. (QD) has experienced a stock price increase of 2.2%, reaching $4.19 per share, with a total market capitalization of $692 million as of August 8 [1] - Financial data shows that as of March 31, 2025, Qudian's total revenue was 25.789 million RMB, representing a year-on-year decrease of 53.82%, while the net profit attributable to shareholders was 150 million RMB, reflecting a significant year-on-year increase of 303.92% [1] - Qudian is set to disclose its fiscal year 2025 mid-term report on September 5, with the actual disclosure date subject to the company's announcement [2] Group 2 - Qudian is identified as a consumer-oriented technology company based in China, initially focused on providing lending solutions to consumers [2] - The company is currently exploring innovative consumer products and services, leveraging its technological advantages to meet the basic needs of Chinese consumers in their daily lives [2]

Central Bank and Foreign Exchange Reserves - As of July 2025, China's foreign exchange reserves stood at $32,922 billion, a decrease of $252 billion from June, marking a decline of 0.76% [1] - The central bank has increased its gold reserves for the ninth consecutive month, reaching 7,396 million ounces (approximately 2,300.41 tons), with a month-on-month increase of 6,000 ounces (approximately 1.86 tons) [1] - The gold reserve balance increased by $10 billion to $243.985 billion, accounting for 7.41% of the foreign exchange reserves, up 0.09 percentage points from the previous month [1] Banking Sector Performance - Five banks, including Ningbo Bank and Hangzhou Bank, reported double-digit growth in both operating income and net profit for the first half of 2025 [1] - Ningbo Bank's total assets reached 3.47 trillion yuan, growing by 11.04% year-on-year, while Hangzhou Bank's total assets were 2.24 trillion yuan, up 5.83% [1] - As of June 2025, the total assets of Qilu Bank and Qingdao Bank were in the range of 700 billion to 800 billion yuan, and Changshu Bank's total assets exceeded 400 billion yuan, reaching 401.251 billion yuan [1] Retail Banking Developments - China Merchants Bank's retail assets under management (AUM) surpassed 16 trillion yuan, making it the first joint-stock commercial bank in China to achieve this milestone [2] - The bank's AUM growth accelerated, with the first 5 trillion yuan taking 9 years, the second 5 trillion yuan taking 5 years, and the latest 5 trillion yuan achieved in just over 3 years [2] - The bank's asset custody scale exceeded 24 trillion yuan, and its asset management scale approached 4.5 trillion yuan [2] Corporate Governance Changes - 18 listed banks have announced the cancellation or advancement of the dissolution of their supervisory boards, following a trend initiated by several state-owned banks [4] - This change is attributed to the implementation of the new Company Law in 2024 and regulatory guidance, indicating a shift in corporate governance practices [4] - The supervisory board's functions will be primarily taken over by the audit committee of the board of directors and employee directors, raising the governance standards for companies [4] Credit Card and Asset Management Innovations - China Bank will include litigation fees related to overdue credit card accounts in the billing statements starting September 14, 2025 [3] - The fees will cover various costs such as litigation, arbitration, and legal fees, with a pilot program starting in Shanghai [3] - Gansu Bank has sold non-performing assets to local asset management companies, with the latest sale valued at 14.922 billion yuan, resulting in a projected financial impact of 1.26 billion yuan [3] Insurance Sector Performance - 147 non-listed insurance companies reported a net profit exceeding 29 billion yuan in the first half of 2025, a significant increase from the previous year [4] - The number of loss-making insurance companies decreased from 30 to 21, with notable profits from companies like Taikang Life and Zhongyi Insurance [4] - Taikang Life's net profit surged by 164% year-on-year, reaching a historical high, while Zhongxin Insurance turned a profit after previous losses [4] Dividend Distribution by Major Insurers - Five major listed insurers announced a total cash dividend distribution of 907.89 billion yuan for 2024, reflecting a year-on-year increase of 20.21% [5] - China Insurance and New China Life announced significant cash dividends, with New China Life's total cash dividends for 2024 increasing by 197.6% compared to 2023 [5] Financial Technology Developments - Lexin's Q2 revenue reached 3.59 billion yuan, a 15.6% increase from the previous quarter, with a profit of 670 million yuan, marking a 116.4% year-on-year increase [9] - The company reported improved asset quality, with a decrease in various risk indicators for four consecutive quarters [9] - Yika's subsidiary in Japan achieved significant milestones, including registration for credit card business and compliance with global security standards [10]