銀保監指平台侵害消費者合法權益 新網銀行:問題整改已取得階段性進展
中國銀保監會公布,四川新網銀行在與一家互聯網汽車消費分期服務平台的合作中,侵害消費者合法權益。
公告指,新網銀行與該互聯網平台合作業務存在以下侵害消費者合法權益的行為,包括新網銀行貸前調查不盡職、新網銀行催收管理不到位、以及新網銀行與該互聯網平台合作業務推高了消費者融資成本。
公告表示,消費者被該互聯網平台收取的平台費或服務費與汽車融資金額之比集中在14%至28%之間,有的費率達到30%以上;新網銀行向消費者發放貸款的年利率區間為7.7%-8.9%,均值為8.49%。消費者承擔的費率、利率等融資綜合成本大幅高於汽車消費貸款正常息費水平。
銀保監指,自2019年第四季度以來,監管系統接收到消費者對新網銀行的投訴舉報顯著上升,車貸方面的投訴舉報數量位列銀行業金融機構第二位,反映問題主要集中在銀行違規放款、對車貸金額存在異議、貸款息費過高、暴力催收等方面。其中,對新網銀行與上述互聯網平台合作業務的投訴舉報尤為突出。
新網銀行回應指,問題集中發生在開業初期的個別業務渠道。近一年多來,根據監管部門的指導意見,該行成立專項整改小組,全面開啟自查和持續整改工作,主要問題整改已取得階段性進展。將不斷完善消費者權益保護工作,持續提升服務水平。
四川新網銀行是全國三家互聯網銀行之一,由新希望集團、小米(01810.HK)、紅旗連鎖等股東發起設立。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.