来源：新经济观察团 岁末年初，部分金融机构和助贷公司开始发力获客。近日，新经济观察团小编在微信APP内频繁刷到了 陕西长银消费金融有限公司（以下简称"长银消金"）的信息流广告。广告内容显示，"我借到了98000， 再也不欠人情债了"，最高可借20万，七天免息券，年化利率（单利）5%-23.95%。新经济观察团小编 就此展开了实际测试，发现该公司的自营产品合规度较高，但信披透明度和用户使用体验有待提高。 小编点击该广告，进入长银消金官方小程序，显示产品为"畅开花"。点击借款后，首先要提交个人身份 证信息。 令小编意外的是，跟大部分我们体验过的平台不同，长银消金平台在用户提交身份信息之前，下方的 《综合授权书》、《数字证书授权使用协议》、《敏感个人信息授权书》等与个人隐私密切相关的协议 居然均无法查看。只有在提交信息之后，小编才终于看到了这三份协议。 而《个人信息保护法》第十四条明确规定，"基于个人同意处理个人信息的，该同意应当由个人在充分 知情的前提下自愿、明确作出。法律、行政法规规定处理个人信息应当取得个人单独同意或者书面同意 的，从其规定。" 在《综合授权书》内，实际嵌套了两份个人信息授权书，以及央行的金融 ...

Core Viewpoint - The majority of the equity held by the second and third largest shareholders of Changyin Consumer Finance Co., Ltd. is under judicial freeze, indicating significant shareholder-level risks for the company [2][5]. Shareholder Equity Status - Changyin Consumer Finance has seen 49% of its equity frozen, with the second largest shareholder, Huixin Chengxin Leasing Co., Ltd., having its entire stake of 262.5 million yuan frozen [2][3]. - The third largest shareholder, Beijing Yide Chenxiang Investment Co., Ltd., also has its entire stake of 252 million yuan frozen, highlighting a concerning trend in shareholder equity [4][5]. Legal and Financial Issues - The company is involved in a high number of legal disputes, with 20,238 cases reported, of which 99.13% are as the plaintiff and 92.37% are civil cases related to financial loan contracts [7]. - The company has been actively pursuing loan recovery through litigation, which may indicate underlying issues with loan defaults and risk management [6][7]. Financial Performance - In 2024, Changyin Consumer Finance reported revenues of 1.815 billion yuan, a year-on-year increase of 29.6%, and a net profit of 351 million yuan, up 38% [6]. - The company's total assets reached 29.971 billion yuan, with total liabilities of 27.4 billion yuan by the end of 2024 [5][6]. Loan Products and Interest Rates - The company offers various consumer finance products with interest rates ranging from 0% to 24%, targeting customers with good credit profiles [6][8]. - The loan interest rates are set in compliance with regulatory limits, but the company has faced complaints regarding high fees and interest rates, particularly related to its partnerships with lending platforms [8][9]. Regulatory Environment - Recent regulations emphasize the need for financial institutions to strengthen the management of internet lending platforms, which may impact Changyin Consumer Finance's operations and partnerships [9].