距《关于加强商业 银行互联网助贷业务管理提升金融服务质效的通知》正式实施还有不到3个月的时 间，"24%+权益类服务"成为助贷行业的一大热门业务模式。记者从业内多个独立信源处获悉，7月11 日，监管正式对31家消费金融公司发出关于会员权益的调研通知。调研内容主要包括四个方面：一是消 金公司自主提供权益服务情况，二是合作助贷平台提供会员权益服务情况，三是影响分析，四是存在的 问题分析。"调研涉及的问题非常细致，基本涵盖了行业目前的'24%+权益'产品可能带来的影响及问 题。"有消金机构中高层表示，已在加速研究相关政策，来应对未来监管针对会员权益可能出台的相关 政策。 (21财经) ...

2025.07. 15 本文字数：1498，阅读时长大约3分钟 作者 | 第一财经 王方然 随着10月1日《关于加强商业银行互联网助贷业务管理 提升金融服务质效的通知》（下称"助贷新 规"）实施临近，监管部门正加速对"24%+权益"模式展开调研。7月15日，第一财经记者获悉，监管 部门近期向多家持牌消金公司下发问卷，重点调研该模式下，会员权益费用对借款人综合融资成本的 影响。 今年4月，国家金融监管总局出台新规，明确要求助贷机构将增信服务费纳入综合融资成本。这也意 味着，助贷行业提供服务的年化利率被压降至24%以下已是大势所趋。为承接原24%-36%区间的高 风险客群，部分机构探索"24%+权益"模式，但随之引发的默认勾选、强制捆绑等乱象不断，相关投 诉超5000条。（ 详见《助贷"24%+权益"新玩法兴起，变相加息遭遇大量客诉》 ） 监管摸底"24%+权益"模式 第一财经记者从多位业内人士获悉，监管部门近期向多家消费金融公司下发调查问卷，重点了 解"24%+权益"模式的具体运作情况。调研内容涵盖消金公司自主提供的权益服务、与助贷平台合作 的权益服务模式，以及当前存在的主要问题。一位消金公司人士透露，问卷特别 ...

在全球科技浪潮的推动下，金融机构正经历数字化、智能化的深刻变革。中国人民银行印发的《金融科技发展规 划（2022—2025年）》再次强调金融科技的重要性，进一步加大了对金融科技的支持力度，为金融服务提质增 效、防范金融风险提供了有力支撑。 谈及金融科技的发展历程时，梁树峰将其概括为"四部曲"。即1.0阶段实现服务在线化，依托云计算和互联网完成 线下到线上的迁移；2.0阶段进入数字化，通过数据中台和机器学习实现精准营销与风险决策；3.0阶段呈 现"+AI"特征，智能客服、生物识别等单点AI工具优化服务流程；当前已迈入4.0"AI+"阶段，AI全面融入业务全流 程，通过智能体技术重构决策体系与组织关系，实现超专家级响应。 "AI不再是辅助工具，而是定义新业务模式的核心动能。"他强调，在这一阶段，技术不仅能提升效率，更从根本 上改变金融服务的底层逻辑，推动金融行业从"人力密集型"向"智力密集型"转型。 7月10日，由中央广播电视总台主办的"AI领创企业重庆行暨西部金融中心之夜"活动正式拉开序幕。海尔消费金融 有限公司（简称"海尔消金"）首席信息官梁树峰在由两江新区管委会、国家金融监督管理局重庆监管局指导，重 庆蚂蚁 ...

Group 1 - Credit Acceptance Corporation has extended the maturity date of its $75.0 million revolving secured warehouse facility from September 30, 2026, to September 30, 2028 [1] - The interest rate on borrowings under the facility has decreased from SOFR plus 210 basis points to SOFR plus 185 basis points [1] - The servicing fee has been reduced from 6.0% to 4.0% of collections on the underlying consumer loans [1] Group 2 - As of July 11, 2025, there was no outstanding balance under the facility [2] - Credit Acceptance Corporation provides innovative financing solutions that enable automobile dealers to sell vehicles to consumers regardless of their credit history [3] - The financing programs are offered through a nationwide network of automobile dealers, benefiting from sales to consumers who otherwise could not obtain financing [3] Group 3 - Without these financing programs, consumers may struggle to purchase vehicles or may end up with unreliable options [4] - The company reports to the three national credit reporting agencies, allowing consumers to improve their credit scores and access more traditional financing sources [4] - Credit Acceptance Corporation is publicly traded on the Nasdaq Stock Market under the symbol CACC [4]

Core Viewpoint - Chongqing is leveraging its strong consumer finance foundation to drive the integration of artificial intelligence (AI) and financial services, aiming to establish itself as a Western financial center with a unique "finance + technology" development path [1][2][6]. Group 1: Financial Technology Growth - Financial technology companies in Chongqing have experienced explosive growth, with annual revenue surpassing 50 billion yuan and an average annual growth rate of over 18% since the start of the 14th Five-Year Plan [2][4]. - The city has linked 132 financial institutions, 309 high-tech companies, and 140 big data companies, fostering collaboration and innovation in the financial technology sector [2][3]. Group 2: Consumer Finance Landscape - Chongqing has developed a multi-layered consumer finance system, including over 80 entities such as banks, consumer finance companies, and online lending institutions, positioning itself as a new hub for consumer finance [4][5]. - Notably, three consumer finance companies in Chongqing hold the top two positions in registered capital and institution numbers nationwide, collectively accounting for 29.1% of the national loan scale [4]. Group 3: AI Integration in Financial Services - The Chongqing Financial Regulatory Bureau has released a list of AI innovation application scenarios, highlighting the demand for big data and AI technologies driven by the management of nearly 5 trillion yuan in consumer loans annually [3][6]. - Companies like Ant Group are innovating in AI-driven risk management, with features like the "Little Red Flower" credit limit interaction, which allows users to leverage their qualifications for credit assessments [5]. Group 4: Collaborative Initiatives - During a recent event, nearly 100 financial institutions, academic organizations, and AI tech companies signed cooperation agreements, with a total contract value exceeding 30 billion yuan, covering various aspects such as financial services, technology innovation, and talent development [6]. - The ongoing exploration of the "finance + technology" model is expected to enhance Chongqing's financial support for technological innovation and accelerate the digital transformation of financial services [6].

The second-quarter 2025 earnings season will kick off next week, with banking sector players due to report numbers. The overall picture ahead of this reporting cycle is one of continued resilience and a steadily improving outlook.Total S&P 500 earnings are expected to be up 4.9% from the year-ago period on 3.9% higher revenues, per the latest Earnings Trends report. While negative revisions to Q2 estimates have stabilized in recent weeks, estimates for the period have been under significant pressure relativ ...

今年来，消费金融行业监管持续收紧。具体来看，蒙商消费金融、中邮消费金融、蚂蚁消费金融、湖北 消费金融、阳光消费金融、金美信消费金融和海尔消费金融7家消费金融公司均在今年上半年收到罚 单，合计被罚627.7万元。 | 处罚日期 | 主体 | 违规说明 | 处罚决定 | | --- | --- | --- | --- | | 2025-06-25 | 海尔消费金融 | 违反信用信息采集、提供、查询及相关管 理规定 | 处罚款25万元 | | 2025-06-19 | 厦门金美信消费金融 | 违反信用信息采集、提供、查询及相关管 | 处罚款82万元 | | | | 理规定 | | | 2025-05-30 | 北京阳光消费金融 | 合作模式存在不足,合作业务管控不到 | 罚款140万元 | | | | 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 | | | 2025-04-29 | 湖北消费金融 | 违反信用信息采集、提供、查询相关管理 | 罚款72.7万元 | | 2025-03-28 | 重庆蚂蚁消费金融 | 公司治理不完善、风控独立性不足、贷后 | 罚款14 ...

Company Overview - OneMain Holdings, Inc. is a leader in providing nonprime consumers with responsible access to credit, dedicated to improving the financial well-being of hardworking Americans [3] - The company operates across 47 states, offering personalized solutions both online and in 1,300 locations [3] Upcoming Financial Results - OneMain Holdings plans to report its second quarter 2025 results before the market opens on July 25, 2025 [1] - The earnings release will be accessible on the company's investor relations website [1] Conference Call Details - A conference call to discuss the company's results and outlook will take place on the same day at 9:00 a.m. Eastern [2] - The public can listen to the call by dialing specific numbers or via a live audio webcast on the investor relations website [2] - A replay of the call will be available on the website for those unable to attend the live broadcast [2]

21世纪经济报道记者 吴霜 实习生王彦颖 上海报道 近日，宁银消费发布公告，拟发行10亿元1年期固定利率金融债，票面利率将通过簿记建档、集中配售确定，簿记建档日为 7月10日。据募集说明书，此次募资将用于补充公司流动资金及监管机构允许的其他用途。 相较于其他融资渠道，发行金融债的优势更多。西南证券固收研究分析师杨杰峰认为，消费金融公司发行金融债进行融资 的优势主要在于其融资成本相对较低且资金用途更加丰富。融资成本方面，由于近期债券市场需求整体较为旺盛，金融债 发行成本可能整体低于银行借款成本；资金用途方面，发行金融债除了可以用于补充业务资金需求，还可以用于补充资本 并优化负债端结构。 进入2025年，截至7月8日，消金公司金融债发行节奏有所放缓，累计发行11只金融债，总规模131亿元，较2024年同期的 255亿元下降48.63%，发行主体的集中度也有所降低，中银消费金融、杭银消费金融、马上消费金融、宁银消费金融各发 行2只，累计规模前三甲均为25亿元，宁银消金20亿元。而2024年表现突出的招联消费金融、兴业消费金融在2025年上半年 暂未参与发行，一定程度上影响了整体规模。 票面利率则延续了2024年的下 ...

Core Viewpoint - The upgrade of the brand from "柚卡" to "中原提钱花" by 中原消费金融 is a strategic move to enhance brand recognition and service capability in response to national policies aimed at boosting consumption and promoting high-quality economic development [1][2][3] Group 1: Brand Upgrade - The brand upgrade aims to improve brand influence and recognition while maintaining existing product functionalities, rates, and user rights [1][2] - The new name "中原提钱花" is designed to reduce user memory costs and enhance trust through the backing of the 中原银行 parent brand [2] - The upgrade is expected to optimize product recognition and marketing efficiency, leveraging natural search traffic to lower customer acquisition costs [2] Group 2: Service Model and Target Audience - 中原消费金融 focuses on the financial needs of new citizens and small individual businesses, utilizing an "online + offline" service model [3] - The company has developed a proprietary risk control system, "信鸽," to address credit information gaps and provide financial support to underserved groups [3] - The brand upgrade aligns with national policies promoting financial technology and inclusive services, aiming to enhance the accessibility and fairness of financial services [3] Group 3: Future Outlook - The company plans to leverage its advantages and innovate products and services to support the prosperity of the consumer market and the high-quality development of the real economy [3]