恒丰放款,阳光收保费:50万贷款里藏着13万的“增信生意”

财中社
May 06

5月初,有媒体披露了一起借贷纠纷:一名借款人通过第三方渠道办理贷款,资金方为恒丰银行,50万元分36期偿还,提前结清时发现保费支出高达13.6万元。  这起极端案例迅速引发关注,也将恒丰银行及其合作项下的个人融资性信保业务推至台前。  争议的核心并不复杂:在这条由“资金方+助贷机构+保险增信”构成的业务链条中,银行究竟只是保费的“代扣通道”,还是应当对综合融资成本承担合规把关的责任。  而这一争议...

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