违规！“比亚迪系”金融机构再受处罚！

金融时报12-22 17:01

严字当头，汽车金融领域的违规行为是今年监管关注的重点，多家汽车金融公司因此被罚。《金融时报》记者注意到，近日多家非银行金融机构收到罚单，其中就包括一家汽车金融公司——比亚迪汽车金融有限公司（以下简称“比亚迪汽金”）。据国家金融监督管理总局陕西监管局行政处罚信息，比亚迪汽金因关联交易管理不到位问题，被处罚金30万元。这也是比亚迪汽金第二次收到监管罚单。2022年，比亚迪汽金曾因未经任职资格核准履职、...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2493214929?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2024-12-22 17:01","share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","id":"2493214929","market":"hk","top_or_hot":-1,"title":"违规！“比亚迪系”金融机构再受处罚！","media":"金融时报","content":"<div>\n<p>严字当头，汽车金融领域的违规行为是今年监管关注的重点，多家汽车金融公司因此被罚。《金融时报》记者注意到，近日多家非银行金融机构收到罚单，其中就包括一家汽车金融公司——比亚迪汽车金融有限公司（以下简称“比亚迪汽金”）。据国家金融监督管理总局陕西监管局行政处罚信息，比亚迪汽金因关联交易管理不到位问题，被处罚金30万元。这也是比亚迪汽金第二次收到监管罚单。2022年，比亚迪汽金曾因未经任职资格核准履职、...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20241222170539ab8b12bf&s=b\">网页链接</a>\n\n</div>\n","source":"tencent","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>违规！“比亚迪系”金融机构再受处罚！</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n违规！“比亚迪系”金融机构再受处罚！\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-12-22 17:01 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20241222170539ab8b12bf&s=b><strong>金融时报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>严字当头，汽车金融领域的违规行为是今年监管关注的重点，多家汽车金融公司因此被罚。《金融时报》记者注意到，近日多家非银行金融机构收到罚单，其中就包括一家汽车金融公司——比亚迪汽车金融有限公司（以下简称“比亚迪汽金”）。据国家金融监督管理总局陕西监管局行政处罚信息，比亚迪汽金因关联交易管理不到位问题，被处罚金30万元。这也是比亚迪汽金第二次收到监管罚单。2022年，比亚迪汽金曾因未经任职资格核准履职、...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20241222170539ab8b12bf&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BYDDY","symbol_name":"比亚迪ADR","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20241222170539ab8b12bf&s=b","article_id":"2493214929","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20241222170539ab8b12bf&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, .wx-sou","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2493214929","pubTimestamp":1734858119,"columns":[],"sourceInfo":{"source_id":"tencent","name":"腾讯"},"weMediaInfo":null,"summary":"据国家金融监督管理总局陕西监管局行政处罚信息，比亚迪汽金因关联交易管理不到位问题，被处罚金30万元。这也是比亚迪汽金第二次收到监管罚单。2022年，比亚迪汽金曾因未经任职资格核准履职、机构汽车贷款落实放款条件不审慎、对合作经销商管理严重不足等问题收到大额罚单，罚没金额高达105万元，两名责任人给予警告处罚。事实上，今年因各类违规问题被处罚的持牌汽车金融公司，不只比亚迪汽金一家。","collect":0,"end_time":0,"defaultTopTitle":"qq.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"81211":"比亚迪股份-R","BYDDY":"比亚迪ADR","LU0819121731.USD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED GROWTH \"AC\" (USD) ACC","SG9999002463.SGD":"LionGlobal China Growth SGD","LU2153592121.USD":"Aberdeen Standard SICAV I - Emerging Markets Sustainable Development Equity A Acc USD","LU0211977185.USD":"EASTSPRING INVESTMENTS GREATER CHINA EQUITY \"A\" ACC","LU2249611893.SGD":"BNP PARIBAS ENERGY TRANSITION \"CRH\" (SGD) ACC","SG9999006597.SGD":"United China-India Dynamic Growth SGD","BK1504":"苹果概念","SG9999015945.SGD":"LionGlobal Disruptive Innovation Fund A SGD","LU0588546209.SGD":"Eastspring Investments - China Equity Fund AS SGD","LU0819123356.HKD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED GROWTH \"AC\" (HKD) ACC","LU2348774022.SGD":"Aberdeen Standard SICAV I - Emerging Markets Sustainable Development Equity A Acc SGD-H","LU0175139822.USD":"AB FCP I Global Equity Blend A USD","LU0143863198.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES\"AU\" (USD) ACC","BK1522":"燃料电池","LU0511384066.AUD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (AUDHDG) ACC","LU0979878070.USD":"FULLERTON LUX FUNDS - ASIA ABSOLUTE ALPHA \"A\" (USD) ACC","SG9999015978.USD":"利安颠覆性创新基金A","LU0348766576.USD":"ALLIANZ LITTLE DRAGONS \"A\" (USD) INC","BK1610":"ETF&股票定投概念","LU1861219969.SGD":"Blackrock Future of Transport A2 SGD-H","LU0516423174.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (USD) ACC","IE00BD6J9T35.USD":"NEUBERGER BERMAN NEXT GENERATION MOBILITY \"A\" (USD) ACC","00285":"比亚迪电子","LU0348767384.USD":"ALLIANZLITTLE DRAGONS \"A\" (USD) ACC","LU1868837722.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES \"2\" (USD) ACC","LU0289961442.SGD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"AX\" (SGD) ACC","LU0052750758.USD":"富兰克林中国基金A Acc","BK1582":"深圳本地概念股","BK1540":"电池","HYDD.SI":"BYD HK SDR 10to1","LU2097828714.EUR":"AZ EQUITY CHINA \"BAZ\" (EUR) ACC","BK1580":"烟草概念","LU0289739343.SGD":"SUSTAINABLE GLOBAL THEMATIC PORTFOLIO \"A\" (SGD) ACC","LU0516422440.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"A\" (USD) ACC","LU0359202008.SGD":"Blackrock China Fund A2 SGD-H","LU2097828805.USD":"AZ EQUITY CHINA \"A-AZ\" (USD) ACC","LU1023057109.AUD":"BGF CHINA \"A2\" (AUDHDG) ACC","01211":"比亚迪股份","LU0449509016.USD":"HSBC GIF BRIC EQUITY \"AC\" (USD) ACC","LU1808992512.USD":"AB ALL CHINA EQUITY PORTFOLIO \"A\" (USD) ACC","002594":"比亚迪","SG9999015952.SGD":"LIONGLOBAL DISRUPTIVE INNOVATION \"I\" (SGD) ACC","LU2476274308.USD":"ALLIANZ CHINA FUTURE TECHNOLOGIES \"AT\" (USD) ACC","BK1589":"北水核心资产","BK1515":"抗疫概念","LU0417516738.SGD":"Allianz Hong Kong Equity AT Acc SGD","LU1868838027.USD":"CT (LUX) I GLOBAL EMERGING MARKET EQUITIES \"8\" (USD) ACC","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC"},"translate_title":"Violation! \"BYD-based\" financial institutions were punished again!","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"81211":0.6,"00285":1,"01211":1,"002594":0.6,"BYDDY":0.6,"HYDD.SI":0.6},"content_text":"严字当头，汽车金融领域的违规行为是今年监管关注的重点，多家汽车金融公司因此被罚。《金融时报》记者注意到，近日多家非银行金融机构收到罚单，其中就包括一家汽车金融公司——比亚迪汽车金融有限公司（以下简称“比亚迪汽金”）。据国家金融监督管理总局陕西监管局行政处罚信息，比亚迪汽金因关联交易管理不到位问题，被处罚金30万元。这也是比亚迪汽金第二次收到监管罚单。2022年，比亚迪汽金曾因未经任职资格核准履职、机构汽车贷款落实放款条件不审慎、对合作经销商管理严重不足等问题收到大额罚单，罚没金额高达105万元，两名责任人给予警告处罚。公开信息显示，比亚迪汽金成立于2015年2月，注册资本100亿元，由比亚迪股份有限公司（以下简称“比亚迪”）、西安银行和比亚迪精密制造有限公司三家机构持股，大股东比亚迪持股77%，其余两家分别持股20%和3%。10月31日，比亚迪汽金曾在其官网发布2024年三季度关联交易信息公告，披露其以资金为基础的关联交易金额为102亿元，相较二季度披露的20亿元，有大幅增长。另据比亚迪2024年半年报数据，截至2023年，比亚迪存放在关联方比亚迪汽金的货币资金约为350.59万元。近年来，得益于主机厂在全球范围内的强劲发展，比亚迪汽金有着良好的业绩表现。据西安银行2024年半年报数据，截至2024年6月末，比亚迪汽金总资产 634.05亿元，总负债499.52亿元，净资产134.53亿元，净利润10.56亿元。12月13日，比亚迪汽金对外宣布，累计放款金额突破2000亿元，距离上次2023年11月放款突破1000亿元大关，间隔1年又1个月。放款金额的增加，离不开政策的大力支持。今年3月，中国人民银行、国家金融监督管理总局联合发布《关于调整汽车贷款有关政策的通知》规定，自用传统动力汽车、自用新能源汽车贷款最高发放比例由金融机构自主确定；商用传统动力汽车贷款最高发放比例为70%，商用新能源汽车贷款最高发放比例为75%；二手车贷款最高发放比例为70%。随后，一汽汽金、广州汇理汽金、东风汽金、长城滨银汽金、奇瑞徽银汽金、大众汽金等多家汽车金融公司推出多样化的“0首付”车贷产品，降低购车门槛，减轻资金压力，吸引消费者。政策发力、机构布局，汽车金融高质量发展背后，仍藏合规隐忧。事实上，今年因各类违规问题被处罚的持牌汽车金融公司，不只比亚迪汽金一家。2024年9月，长安汽车金融有限公司（以下简称“长安汽金”）和上汽通用汽车金融有限责任公司（以下简称“上汽通用汽金”）接连被罚。长安汽金因附加贷发放审核不审慎，侵害金融消费者的自主选择权，违规将自身风控成本转嫁给客户，二手车业务风险管控不到位等多个问题被处以90万元罚款；上汽通用汽金则是因部分零售汽车贷款类业务贷前调查不审慎被监管部门要求责令改正，并处罚款30万元。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.29.3","shortVersion":"4.29.3","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2493214929"}