银保监指平台侵害消费者合法权益 新网银行:问题整改已取得阶段性进展
中国银保监会公布,四川新网银行在与一家互联网汽车消费分期服务平台的合作中,侵害消费者合法权益。
公告指,新网银行与该互联网平台合作业务存在以下侵害消费者合法权益的行为,包括新网银行贷前调查不尽职、新网银行催收管理不到位、以及新网银行与该互联网平台合作业务推高了消费者融资成本。
公告表示,消费者被该互联网平台收取的平台费或服务费与汽车融资金额之比集中在14%至28%之间,有的费率达到30%以上;新网银行向消费者发放贷款的年利率区间为7.7%-8.9%,均值为8.49%。消费者承担的费率、利率等融资综合成本大幅高於汽车消费贷款正常息费水平。
银保监指,自2019年第四季度以来,监管系统接收到消费者对新网银行的投诉举报显着上升,车贷方面的投诉举报数量位列银行业金融机构第二位,反映问题主要集中在银行违规放款、对车贷金额存在异议、贷款息费过高、暴力催收等方面。其中,对新网银行与上述互联网平台合作业务的投诉举报尤为突出。
新网银行回应指,问题集中发生在开业初期的个别业务渠道。近一年多来,根据监管部门的指导意见,该行成立专项整改小组,全面开启自查和持续整改工作,主要问题整改已取得阶段性进展。将不断完善消费者权益保护工作,持续提升服务水平。
四川新网银行是全国三家互联网银行之一,由新希望集团、小米(01810.HK)、红旗连锁等股东发起设立。
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