在温馨的互动环节，林霞老师现场教学了"你好"、"谢谢"、"需要帮助"等常用手语。观众积极参与学 习，通过弹幕分享学习成果，直播间洋溢着温暖的氛围。这一环节不仅拉近了观众与听障群体的距离， 也生动诠释了"无声世界·有爱守护"的深层含义。 直播伊始，微众银行个金共享平台部负责人袁庆丰介绍了该行无障碍服务的现状。通过科技赋能，微众 银行为听障与视障群体量身定制了便捷的金融服务方案，如"微粒贷"远程视频手语服务等，致力于让每 一位客户都能平等享受到安全、贴心的金融服务。 手语客服专家林霞随后亮相，不仅向观众演示了如何通过专业手语服务帮助听障客户跨越沟通障碍，更 分享了一个真实案例：手语客服凭借敏锐洞察，成功拦截了一起针对听障人士的"刷单返利"诈骗，守护 了客户财产安全。直播还深入剖析了收费修复征信、非法集资等多类诈骗手法，有效提升了观众的防骗 意识。 2025年12月26日，微众银行成功举办了一场以"无声世界·有爱守护"为主题的消费者权益保护(消保)专场 直播活动。本次活动生动展示了该行在推动金融服务无障碍化方面的积极实践，体现了金融机构对社会 责任的不断践行。 此次消保专场直播共吸引12.3万人次在线观看，收获点赞 ...

Core Viewpoint - Chinese online lending companies have faced significant failures in India, contrary to their profitable operations in China, leading to a complete loss of investment in the Indian market [2][3][10]. Group 1: Profitability in China - Online lending is a highly profitable industry in China, with companies like Qifu Technology reporting net profits of 2.7 billion in 2021, 4.4 billion in 2022, and projected 6.264 billion in 2024 [2]. - Other platforms such as Baidu's Du Xiaoman are also profitable, with a projected net profit of 859 million in 2024 [2]. Group 2: Challenges in India - Chinese online lending companies initially viewed India as a lucrative market, expecting to profit from lending and collecting interest [6]. - However, they encountered insurmountable challenges, leading to a total loss of investment [6][10]. Group 3: Collection Difficulties - Effective debt collection is crucial for profitability in online lending. In China, aggressive collection methods, despite being controversial, yield results [6]. - In India, these methods fail due to language barriers, lack of a credit system, and cultural differences, making it difficult to enforce repayment [7][9]. Group 4: High Default Rates - The bad debt rate for Chinese online lending companies in India has soared to 80%, meaning only 20 out of every 100 units lent are recovered [9]. - This high default rate, combined with operational costs, results in significant financial losses for these companies [9][10]. Group 5: Regulatory Environment - New regulations from the Reserve Bank of India require online lending companies to limit interest rates and increase transparency, further complicating profitability for Chinese firms [11]. - The lack of a high-credit society in India makes it nearly impossible for these companies to operate profitably, leading to widespread closures [11].

（来源：梅花资本洞察） 作为国内首家民营互联网银行，微众银行自2014年成立便头顶"普惠金融"光环，依托腾讯生态的流量红利，凭一款微粒贷站稳民营银行头部阵营，一度成 为行业内普惠金融的标杆范本。然而，走过十一个发展年头，这家明星银行却交出了一份满是瑕疵的答卷：营收净利双降创下历史首次，合规罚单连年落 地从未间断，不良贷款率持续攀升突破新高，暴力催收的投诉声浪此起彼伏。昔日的普惠初心，正被风控缺位、合规松弛的经营乱象层层掩盖，民营银行 龙头的光环，已然蒙上难以褪去的阴霾。 十一年深耕，微众银行的业务版图始终围绕"普惠"二字铺开，个人端的微粒贷、微车贷，企业端的微众企业+，瞄准的都是传统金融机构覆盖不足的中低 收入人群、偏远地区用户与中小微企业。这类客群的金融需求真实且迫切，也让微众银行收获了规模的快速增长，累计服务超4.3亿个人客户的成绩单， 一度成为其普惠价值的有力佐证。但市场很快发现，这份规模的背后，是风控底线的不断退让，是合规意识的持续淡薄，最终让普惠金融的初心，沦为规 模扩张的幌子。 合规漏洞的持续暴露，是微众银行十一年发展路上最刺眼的底色。自2022年起，监管罚单便与这家银行如影随形，四年时间里，罚单 ...

3、分期灵活：微粒贷的分期期数是有多种选择的，最长可以分24期还款，并且支持提前还款，且无违 约金与手续费，利息按实际借款天数计算，借几天算几天利息，很灵活方便。 4、额度灵活：微粒贷授信额度范围在500元—20万元之间，而且可以循环使用，只要账户状态正常 且"可借额度"大于等于100元，就可以继续借钱，最多能同时借20笔。 不管选择哪个深圳正规个人小额贷款，都要注意以下事项 使用贷款产品解决资金周转难题已经成为当下多数人的选择，网上小额贷款操作简单且申请流程快得到 了大家认可，那么如何选择正规的个人小贷款产品呢？小编为大家推荐一款深圳正规个人小额贷款产品 ——微粒贷，银行正规产品，安全有保障，是很多人应急时的选择。今天就带大家详细了解一下微粒贷 到底好在哪。 微粒贷是深圳微众银行推出的一款线上小额信用贷款产品，是银行正规贷款，安全有保障。自2015年上 线以来，已经服务了超千万用户。而微粒贷之所以能够成为小编关于"深圳正规个人小额贷款"的首选推 荐，还有几大亮点： 1、正规透明：微粒贷作为银行产品，息费透明，除利息外，没有任何手续费。微粒贷年利率(单利)范 围一般为3%-23.76%(日利率在0.0083% ...

Group 1 - The article highlights the significant number of complaints against WeBank's "Weilidai" loan collection practices, with over 26,000 complaints reported on consumer platforms, indicating a serious issue with aggressive collection tactics [4][5]. - Complaints primarily focus on harassment of family members, privacy breaches, and unauthorized deductions, with many users reporting violent collection methods [5][7]. - Legal experts emphasize that collection agencies must adhere to strict compliance guidelines, only contacting emergency contacts when unable to reach the debtor directly and prohibiting the disclosure of specific debt details [7]. Group 2 - WeBank, established in 2014, is China's first private and internet bank, offering various financial products, including "Weilidai," "Weiche DAI," and "Xiao'e Huqian" [4]. - As of October 1, the "Assisted Loan New Regulations" were implemented, which clarify management rules for internet loan services, including interest rate caps and a whitelist for partner institutions [8]. - WeBank's partnership network includes 382 third-party institutions, with a significant majority (320) being collection agencies, reflecting the bank's reliance on aggressive collection strategies [8][9]. - The bank's 2024 annual report indicates that "Weilidai" has served over 70 million borrowers, with a daily average of 930,000 loans issued, but also reveals a rising non-performing loan rate from 1.44% to 1.57% [10]. - Despite a commitment to resolving complaints, the high volume of grievances suggests ongoing challenges in post-loan management and customer relationship governance [10].

Core Viewpoint - Tencent's subsidiary, Shenzhen Financial Payment Network Small Loan Co., Ltd. (referred to as "Financial Payment Small Loan"), has received regulatory approval for a capital increase of 4.5 billion yuan, raising its registered capital to 15 billion yuan, marking a 50-fold increase over five years through six rounds of capital increases [1][4]. Group 1: Capital Increase and Regulatory Impact - The increase in registered capital allows Financial Payment Small Loan to leverage a maximum of 750 billion yuan in lending capacity based on the regulatory "1+4" financing leverage rule [1]. - Following the capital increase, Financial Payment Small Loan ranks second among national online small loan institutions, only behind ByteDance's Zhongrong Small Loan Co., Ltd., which has a registered capital of 19 billion yuan [2]. - The capital increase trend among internet small loan companies is driven by both regulatory logic and business needs, with 12 companies having registered capital exceeding 5 billion yuan as of July 2025 [2]. Group 2: Regulatory Framework - The regulatory framework for online small loans has evolved since the draft of the "Interim Measures for the Management of Online Small Loan Business" was released in November 2020, establishing a capital requirement of 5 billion yuan for cross-provincial operations [4]. - The new regulations, effective January 2025, focus on business norms and regional management, tightening requirements for the capital contribution ratio in joint loans with banks to a minimum of 30% [4]. Group 3: Product Development and Market Position - Financial Payment Small Loan offers two main products: "Fenfu," which allows for flexible repayment with a daily interest rate of 0.04%, and "Fengqi," which is designed for larger payments with fixed repayment terms [5][6]. - The "Fenfu" product has evolved from a consumption credit service to a cash loan service, allowing withdrawals to bank accounts, thus broadening its product offerings [7][8]. - As of June 2024, the loan balance for Financial Payment Small Loan was approximately 12.9 billion yuan, while the loan balance for WeChat's "Fenfu" reached 120 billion yuan by June 2025 [7]. Group 4: Financial Ecosystem and Performance - Tencent's financial ecosystem includes WeBank, which has become a significant profit contributor, with a net profit of 10.9 billion yuan in 2024, surpassing the combined net profits of 18 other private banks [9]. - The financial technology and enterprise services segment contributed 168.6 billion yuan in revenue in the first three quarters of 2025, becoming the second-largest revenue pillar for Tencent [11]. - The gross margin for the financial technology and enterprise services segment improved from 28% in 2020 to 50% in the third quarter of 2025, indicating a positive shift in revenue structure [10].

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来源：大众新闻-大众日报 （图为张女士社交媒体账号发布视频 后收到的评论信息，张女士称，并未购买奔驰汽车，也未发布购车相关信息） 张女士提供的证据显示，这张名为"催告函"的文件，发出机构为"博源（北京）律师事务所"，落款公章 为"北京博源律师事务所"。 （图为张女士收到的催 告函） 通过微信平台申请"微粒贷"后，因家庭变故导致借款逾期，一个月后，便遭到"假律师"堵门，其社交媒 体账号也遭到不明人士的造谣诽谤。用户投诉至微众银行后，银行表示所有合作机构均签订双边协议， 需对此事做进一步确认。 日前，来自上海的张女士，向大众新闻记者讲述了自己"微粒贷"逾期两个月的遭遇：2017年9月首次使 用微众银行个人消费贷款开始，张女士一直保持良好的还款记录。2024年11月11日，张女士通过微信平 台，向微众银行申请了一笔10000元的"微粒贷"，合同约定借款年利率（单利）为18%。此后又陆续申 请了多笔"微粒贷"，利率均为18%。2025年10月，因家庭变故，张女士的借款出现逾期。一个月后，她 便遭遇了"软暴力催收"。 "对方先是找到我的社交账号，在下面造谣诽谤，随后又带着一张'催告函'上门，要求我偿还使用'微粒 贷'的 ...

近日，演员杜淳的妻子王灿兮在微博平台发文称，自己从未开通过花呗，却频繁遭到花呗相关催债电话骚扰，该事件迅速引发广大网友关注和热议。 另外，据信号新闻报道，负责花呗安全技术的工作人员回应，用户遭遇此类情况可先向平台反馈，平台核实后会进行对应处理，但对于信息保护措施等核心 问题，并未给出明确答复。这种模糊回应，也让部分用户对平台的信息安全保障能力产生质疑。 作为重庆蚂蚁消费金融有限公司旗下消费信贷产品，花呗以"先消费、后还款"为核心机制，凭借便捷性和灵活性等优势，在市场中占据重要地位。此外，依 托支付宝生态，无需实体卡片与复杂手续，大幅降低了用户接入成本。 然而，在为广大用户带来便利的同时，花呗也暗藏不少隐忧，进一步加剧了用户端的信任危机。在黑猫投诉平台上，关于支付宝花呗的相关搜索词超4万 条，暴力催收已成为投诉重灾区。 有网友反映，"我在支付宝花呗上有逾期，目前暂无能力偿还，但肯定会还，可支付宝花呗催收人员采取暴力催收方式，给我父母打电话，导致我妈妈心悸 就医"。这类事件的频发，不仅损害了用户权益，更不断消耗着平台积累的用户信任。 不少有过类似经历的网友纷纷分享自身遭遇，并支招解决办法。收到网友建议后，王灿兮于 ...

本期为银行社交媒体指数（2025年10月）。 本期为银行社交媒体指数（2025年10月）。 10月银行SMI总榜出现小幅变动：9月榜单中的兴业银行（原Top2）、网商银行（原Top8）、浙商银行（原Top11）、重庆银行（原Top13）、徽商银行（原 Top20）均跌出本月榜单；而吉林银行（Top7）、天津银行（Top14）、天府银行（Top15）、成都银行（Top18）、赣州银行（Top20）则新晋入榜。在10月 机构抖音高赞榜单里，上榜作品的核心关联点集中在情感共鸣、AI热点、节假日氛围三类方向。情感共鸣类内容向来是抖音"流量密码"，10月的榜单再次印 证了这一点。例如，网商银行以18.5万+点赞断层领跑，稳稳占据榜首——此次内容聚焦"一毛钱奶奶摆摊38年不涨价"的普通人温暖坚守故事；微众银行的 高赞作品则讲了"员工从被赶出投标现场到成为投标王"的职场成长故事，其中嘉宾那句"犯错误的成本很高，但你不允许员工犯错，只会酿成更大的错"，精 准戳中职场人的共鸣点，助力内容收获8500+点赞。AI作为近年来市场的热度核心，也延续了用户关注度：10月国内外科技市场热度不减，AI相关内容继续 跻身高赞榜——邮储银行联 ...