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“黑马”中邮消费金融发生了什么?

????题图来自:视觉中国,本文来自公众号:经济观察报(ID:eeo-com-cn),作者:?张颖馨,
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,净利润同比增长达199%,这是中邮消费金融有限公司(下称“中邮消费金融”)此前交出的2018年成绩单。但抢眼的业绩光环如今却被新的焦点所取代:一方面,总经理余红永即将离职;另一方面,在多个已审理终结与借款人的金融借款合同纠纷案件中,法院指出中邮消费金融应对高利率罚息进行调整。中邮消费金融也因此被推上了风口浪尖。,
,针对上述情况,经济观察报记者致电中邮消费金融相关负责人,其透露公司董事会确实已收到总经理余红永的辞职申请,目前公司由董事长林茂新主持工作。与此同时,该负责人向记者强调,中邮消费金融所有产品均未超过年化利率36%。此外,2018年7月起上线的新产品均已取消滞纳金收取。,
,总经理余红永辞职,
,在2017年扭亏为盈,2018年业绩大放异彩,取得超2亿元净利润后,中邮消费金融成为了消费金融行业里近两年最大的一匹“黑马”。,
,企查查显示,中邮消费金融成立于2015年11月,目前注册资本30亿元,法定代表人是林茂新。中邮消费金融的大股东为中国邮政储蓄银行股份有限公司(持股70.5%),其他股东包括星展银行(持股15%)、渤海国际信托股份有限公司(持股3.67%)、拉卡拉网络技术有限公司(持股1.67%)等。,
,中邮消金的第一任总经理为王蓉晖,其于2017年4月离职加入包银消费金融有限公司。值得注意的是,王蓉晖离职后近半年时间内,中邮消费金融的总经理职位一直处于空缺状态。直到2017年11月,银保监会核准余红永出任中邮消费金融董事、总经理。,
,公开资料显示,余红永曾在央行、江西银监局担任过相关职务,监管过银行等金融机构,因此合规和风控经验较为丰富,此前其还担任过中国邮储银行西藏分行党委书记、行长。,
,余红永曾评价自己,既担任过“裁判员”,也亲自上场做过“运动员”。在接受媒体采访时,余曾表示,国内商业银行已经“发育”得非常充分、成熟,而消费金融则是一个全新的业态,一方面处在高速发展之中,同时又没有现成的经验和模式可以照搬,因此是一件“有难度、有挑战、有价值”的事情。,
,如今,任职不到两年,余红永便被曝出将从中邮消费金融总经理的位置上退下。记者致电中邮消费金融相关负责人,其向记者确认公司董事会已收到余红永的辞职申请,申请中列出的辞职原因为“个人原因”。目前中邮消费金融公司由董事长主持工作,运营一切正常。,
,公开信息显示,中邮消费金融自营业务包含“邮你花”、“邮你购”、“邮你贷”三条产品线,涵盖了场景分期、线上信贷和线下大额信贷业务。,
,过去几年中,中邮消费金融以“线上+线下”结合的O2O方式展业。目前,中邮消费金融线上布局的获客渠道还有中邮消费金融APP、支付宝、微信公众号等等;在线下,中邮消费金融的获客渠道则包含第三方渠道商、邮政邮储集团网点,以及分布在安徽、辽宁、山东、江西、广东、四川等16个省份的直营中心。,
,2019年3月,中国邮政储蓄银行发布的2018年财报显示,其控股子公司中邮消费金融2018年资产总额为236.71亿元,实现净利润2.03亿元,同比增长199%。不过,中邮消费金融的业绩细节并未披露。,
,罚息争议,
,对于中邮消费金融2018年实现的199%的净利增速,市场不乏有质疑称高额罚息或是其盈利重要构成部分。得出此结论的原因是,根据近日中国裁判文书网公布的部分中邮消费金融与借款人的金融借款合同纠纷案件,法院指出中邮消费金融应对过高的罚息进行调整。,
,所谓贷款罚息,就是当借款人未按时还款时交纳的罚息,作为未按时还款的处罚,也可理解成违约金、滞纳金。,
,日前,在广东省广州市南沙区人民法院在审理的中邮消费金融与魏俊康金融借款合同纠纷一案中,中邮消费金融也遇到一些麻烦。,
,在该案中,用户申请“邮你贷”个人消费贷款用于装修,申请金额15万元,分48期,其中,中邮消费金融和用户约定滞纳金按逾期的期数收取,每期(每月)收取标准为:欠付款项的5%且不少于50元。,
,法院认为,根据《还款计划表》推算,案涉借款利息年利率为12%(月利率1%)。对于违约金,《贷款协议》约定了逾期还款情况下的滞纳金计算标准为月利率5%,原告要求违约金按该标准计算,有合同依据。,
,根据中邮消费金融提供的《欠款明细表》记载:案涉借款年化利率为12%;逾期起始日为2017年12月7日,截至2018年4月28日尚欠本金34948.04元、利息1859.81元、违约金1176.16元、手续费900元。,
,法院表示,利息、违约金、手续费用之和应当不超过以解除时的借款本金余额34948.04元为基数按月利率2%为标准计算的结果,即每月不应超过698.96元(34948.04元×2%),否则明显过高,应予调整。,
,最终,法院判决:原告中邮消费金融与被告魏俊康签订的《“邮你贷”个人消费贷款协议》于2018年10月22日解除同时,2018年10月23日起的利息、违约金、手续费用之和以借款本金尚欠部分为基数按照月利率2%的标准计算至实际清偿之日止。,
,有消费金融行业律师告诉记者,以上法院的判决是依据2015年8月最高人民法院发布《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》:“借贷双方约定的利率未超过年利率24%,出借人请求借款人按照约定的利率支付利息的,人民法院应予支持。借贷双方约定的利率超过年利率36%,超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的,人民法院应予支持。”,
,其中规定:“出借人与借款人既约定了逾期利率,又约定了违约金或者其他费用,出借人可以选择主张逾期利息、违约金或者其他费用,也可以一并主张,但总计超过年利率24%的部分,人民法院不予支持。”,
,记者注意到,类似上述中邮消费金融与借款人的金融借款纠纷在中国裁判文书网上并不少见。因一些质疑者认为,若以“邮你贷”滞纳金的计算标准(即月利率5%)计算,那在不包括借款利息的情况下,年化利率已经达到了60%。,
,对此,中邮消费金融相关负责人告诉记者,邮你贷产品的滞纳金收取标准为欠付款项的5%,且不少于人民币50元。其中,“欠付款项”是指客户当期应缴未缴的欠款,而不是全部的欠款金额,不能仅以此项作为产品年化利率计算。产品年化利率是以包含利息、违约金、手续费等总费用为基数计算的。,
,“我司全部产品均未超过年化利率36%,且放款界面清晰显示执行利率,客户知悉并确认同意后即可放款,绝不会出现超出法律规定的情况。设置滞纳金并非是出于盈利考虑,本质是风控举措,是金融机构按照监管要求加强风险防范的一种通行措施,如客户按贷款合同约定正常还款是不会产生滞纳金的。”上述中邮消费金融负责人透露,考虑到客户体验,2018年7月起上线的新产品均已取消滞纳金收取。此前已签订相关贷款协议的客户,按照协议执行。,
,事实上,类似案例并非仅发生在中邮消费金融身上。兴业消费金融、北银消费金融此前也发生类似法院不支持超过24%年利率的判例。另据记者从多名行业人士处了解到,消费金融业务收入来源包括贷款息差、担保或者保险费返佣、服务费以及逾期罚息,其中前三者是消费金融机构的主要收入来源。,
,按照2017年底下发的《关于规范整顿“现金贷”业务的通知》:“各类机构以利率和各种费用形式对借款人收取的综合资金成本应符合最高人民法院关于民间借贷利率的规定,禁止发放或撮合违反法律有关利率规定的贷款。”麻袋研究院高级研究员王诗强指出,最高人民法院关于民间借贷利率的规定是年利率不能超过36%,因此,逾期收费不能超过这个标准。,
,在部分持牌消金机构负责人及第三方人士看来,当前法律法规仍有需要进一步完善的地方。“具体到中邮消费金融的案例,按照5%月利率计算出其达到60%的年化利率,这个算法过于笼统。假如客户在一个月内就全额结清逾期款项,是否依然为60%的年化率?”一名华北地区持牌消金机构负责人告诉记者,对于正常客户的息费和对于违约客户的一次性违约金,不应该全部以一个统计口径去计算。此外,并不是所有的机构都有违约金这项收费。,
,苏宁金融研究院高级研究员陈嘉宁称,目前我国并没有相关明确的罚息标准,“5%的罚息”在某种程度上说也是对机构自己的保护和对逾期借款人的压力,而且大家需要看到出现坏账后的催收成本、诉讼成本、执行成本以及信用风险等等。这些费用的收取其实属于行业惯例,比对银行信用卡中心,状况也颇为相似。,
,怎样的利率标准较为合理?王诗强告诉记者,最合理的利率标准是要结合借款人的还款能力进行综合考虑,对于生病等意外情况导致还款能力急速下降的借款人,建议进行大幅度减免;对于拥有正常还款能力的客户,按照最高人民法院关于民间借贷利率的规定执行即可,在鼓励借款人提前还款的要求下,建议给予一定减免。,
,本文来自公众号:经济观察报(ID:eeo-com-cn),作者:?张颖馨

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jie kuan ren de jin rong jie kuan he tong jiu fen an jian, fa yuan zhi chu zhong you xiao fei jin rong ying dui guo gao de fa xi jin xing tiao zheng.,, suo wei dai kuan fa xi, jiu shi dang jie kuan ren wei an shi hai kuan shi jiao na de fa xi, zuo wei wei an shi hai kuan de chu fa, ye ke li jie cheng wei yue jin zhi na jin.,, ri qian, zai guang dong sheng guang zhou shi nan sha qu ren min fa yuan zai shen li de zhong you xiao fei jin rong yu wei jun kang jin rong jie kuan he tong jiu fen yi an zhong, zhong you xiao fei jin rong ye yu dao yi xie ma fan.,, zai gai an zhong, yong hu shen qing" you ni dai" ge ren xiao fei dai kuan yong yu zhuang xiu, shen qing jin e 15 wan yuan, fen 48 qi, qi zhong, zhong you xiao fei jin rong he yong hu yue ding zhi na jin an yu qi de qi shu shou qu, mei qi mei yue shou qu biao zhun wei: qian fu kuan xiang de 5 qie bu shao yu 50 yuan.,, fa yuan ren wei, gen ju hai kuan ji hua biao tui suan, an she jie kuan li xi nian li lv wei 12 yue li lv 1. dui yu wei yue jin, dai kuan xie yi yue ding le yu qi hai kuan qing kuang xia de zhi na jin ji suan biao zhun wei yue li lv 5, yuan gao yao qiu wei yue jin an gai biao zhun ji suan, you he tong yi ju.,, gen ju zhong you xiao fei jin rong ti gong de qian kuan ming xi biao ji zai: an she jie kuan nian hua li lv wei 12 yu qi qi shi ri wei 2017 nian 12 yue 7 ri, jie zhi 2018 nian 4 yue 28 ri shang qian ben jin 34948. 04 yuan li xi 1859. 81 yuan wei yue jin 1176. 16 yuan shou xu fei 900 yuan.,, fa yuan biao shi, li xi wei yue jin shou xu fei yong zhi he ying dang bu chao guo yi jie chu shi de jie kuan ben jin yu e 34948. 04 yuan wei ji shu an yue li lv 2 wei biao zhun ji suan de jie guo, ji mei yue bu ying chao guo 698. 96 yuan 34948. 04 yuan 2, fou ze ming xian guo gao, ying yu tiao zheng.,, zui zhong, fa yuan pan jue: yuan gao zhong you xiao fei jin rong yu bei gao wei jun kang qian ding de" you ni dai" ge ren xiao fei dai kuan xie yi yu 2018 nian 10 yue 22 ri jie chu. tong shi, 2018 nian 10 yue 23 ri qi de li xi wei yue jin shou xu fei yong zhi he yi jie kuan ben jin shang qian bu fen wei ji shu an zhao yue li lv 2 de biao zhun ji suan zhi shi ji qing chang zhi ri zhi.,, you xiao fei jin rong hang ye lv shi gao su ji zhe, yi shang fa yuan de pan jue shi yi ju 2015 nian 8 yue zui gao ren min fa yuan fa bu zui gao ren min fa yuan guan yu shen li min jian jie dai an jian shi yong fa lv ruo gan wen ti de gui ding:" jie dai shuang fang yue ding de li lv wei chao guo nian li lv 24, chu jie ren qing qiu jie kuan ren an zhao yue ding de li lv zhi fu li xi de, ren min fa yuan ying yu zhi chi. jie dai shuang fang yue ding de li lv chao guo nian li lv 36, chao guo bu fen de li xi yue ding wu xiao. jie kuan ren qing qiu chu jie ren fan huan yi zhi fu de chao guo nian li lv 36 bu fen de li xi de, ren min fa yuan ying yu zhi chi.",, qi zhong gui ding:" chu jie ren yu jie kuan ren ji yue ding le yu qi li lv, you yue ding le wei yue jin huo zhe qi ta fei yong, chu jie ren ke yi xuan ze zhu zhang yu qi li xi wei yue jin huo zhe qi ta fei yong, ye ke yi yi bing zhu zhang, dan zong ji chao guo nian li lv 24 de bu fen, ren min fa yuan bu yu zhi chi.",, ji zhe zhu yi dao, lei si shang shu zhong you xiao fei jin rong yu jie kuan ren de jin rong jie kuan jiu fen zai zhong guo cai pan wen shu wang shang bing bu shao jian. yin yi xie zhi yi zhe ren wei, ruo yi" you ni dai" zhi na jin de ji suan biao zhun ji yue li lv 5 ji suan, na zai bu bao kuo jie kuan li xi de qing kuang xia, nian hua li lv yi jing da dao le 60.,, dui ci, zhong you xiao fei jin rong xiang guan fu ze ren gao su ji zhe, you ni dai chan pin de zhi na jin shou qu biao zhun wei qian fu kuan xiang de 5, qie bu shao yu ren min bi 50 yuan. qi zhong," qian fu kuan xiang" shi zhi ke hu dang qi ying jiao wei jiao de qian kuan, er bu shi quan bu de qian kuan jin e, bu neng jin yi ci xiang zuo wei chan pin nian hua li lv ji suan. chan pin nian hua li lv shi yi bao han li xi wei yue jin shou xu fei deng zong fei yong wei ji shu ji suan de.,," wo si quan bu chan pin jun wei chao guo nian hua li lv 36, qie fang kuan jie mian qing xi xian shi zhi xing li lv, ke hu zhi xi bing que ren tong yi hou ji ke fang kuan, jue bu hui chu xian chao chu fa lv gui ding de qing kuang. she zhi zhi na jin bing fei shi chu yu ying li kao lv, ben zhi shi feng kong ju cuo, shi jin rong ji gou an zhao jian guan yao qiu jia qiang feng xian fang fan de yi zhong tong xing cuo shi, ru ke hu an dai kuan he tong yue ding zheng chang hai kuan shi bu hui chan sheng zhi na jin de." shang shu zhong you xiao fei jin rong fu ze ren tou lu, kao lv dao ke hu ti yan, 2018 nian 7 yue qi shang xian de xin chan pin jun yi qu xiao zhi na jin shou qu. ci qian yi qian ding xiang guan dai kuan xie yi de ke hu, an zhao xie yi zhi xing.,, shi shi shang, lei si an li bing fei jin fa sheng zai zhong you xiao fei jin rong shen shang. xing ye xiao fei jin rong bei yin xiao fei jin rong ci qian ye fa sheng lei si fa yuan bu zhi chi chao guo 24 nian li lv de pan li. ling ju ji zhe cong duo ming hang ye ren shi chu liao jie dao, xiao fei jin rong ye wu shou ru lai yuan bao kuo dai kuan xi cha dan bao huo zhe bao xian fei fan yong fu wu fei yi ji yu qi fa xi, qi zhong qian san zhe shi xiao fei jin rong ji gou de zhu yao shou ru lai yuan.,, an zhao 2017 nian di xia fa de guan yu gui fan zheng dun" xian jin dai" ye wu de tong zhi:" ge lei ji gou yi li lv he ge zhong fei yong xing shi dui jie kuan ren shou qu de zong he zi jin cheng ben ying fu he zui gao ren min fa yuan guan yu min jian jie dai li lv de gui ding, jin zhi fa fang huo cuo he wei fan fa lv you guan li lv gui ding de dai kuan." ma dai yan jiu yuan gao ji yan jiu yuan wang shi qiang zhi chu, zui gao ren min fa yuan guan yu min jian jie dai li lv de gui ding shi nian li lv bu neng chao guo 36, yin ci, yu qi shou fei bu neng chao guo zhe ge biao zhun.,, zai bu fen chi pai xiao jin ji gou fu ze ren ji di san fang ren shi kan lai, dang qian fa lv fa gui reng you xu yao jin yi bu wan shan de di fang." ju ti dao zhong you xiao fei jin rong de an li, an zhao 5 yue li lv ji suan chu qi da dao 60 de nian hua li lv, zhe ge suan fa guo yu long tong. jia ru ke hu zai yi ge yue nei jiu quan e jie qing yu qi kuan xiang, shi fou yi ran wei 60 de nian hua lv?" yi ming hua bei di qu chi pai xiao jin ji gou fu ze ren gao su ji zhe, dui yu zheng chang ke hu de xi fei he dui yu wei yue ke hu de yi ci xing wei yue jin, bu ying gai quan bu yi yi ge tong ji kou jing qu ji suan. ci wai, bing bu shi suo you de ji gou dou you wei yue jin zhe xiang shou fei.,, su ning jin rong yan jiu yuan gao ji yan jiu yuan chen jia ning cheng, mu qian wo guo bing mei you xiang guan ming que de fa xi biao zhun," 5 de fa xi" zai mou zhong cheng du shang shuo ye shi dui ji gou zi ji de bao hu he dui yu qi jie kuan ren de ya li, er qie da jia xu yao kan dao chu xian huai zhang hou de cui shou cheng ben su song cheng ben zhi xing cheng ben yi ji xin yong feng xian deng deng. zhei xie fei yong de shou qu qi shi shu yu hang ye guan li, bi dui yin hang xin yong ka zhong xin, zhuang kuang ye po wei xiang si.,, zen yang de li lv biao zhun jiao wei he li? wang shi qiang gao su ji zhe, zui he li de li lv biao zhun shi yao jie he jie kuan ren de hai kuan neng li jin xing zong he kao lv, dui yu sheng bing deng yi wai qing kuang dao zhi hai kuan neng li ji su xia jiang de jie kuan ren, jian yi jin xing da fu du jian mian dui yu yong you zheng chang hai kuan neng li de ke hu, an zhao zui gao ren min fa yuan guan yu min jian jie dai li lv de gui ding zhi xing ji ke, zai gu li jie kuan ren ti qian hai kuan de yao qiu xia, jian yi ji yu yi ding jian mian.,, ben wen lai zi gong zhong hao: jing ji guan cha bao ID: eeocomcn, zuo zhe: zhang ying xin

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责任编辑:王帅