Zheng Quan Ri Bao·2025-05-13 15:48Core Viewpoint - The disclosure of post-loan cooperation institution lists by various financial institutions indicates a response to regulatory requirements aimed at enhancing the management of internet lending businesses and signifies an impending reshuffle in the lending industry [1][4]. Group 1: Disclosure of Cooperation Institutions - Shanghai Shangcheng Consumer Finance Co., Ltd. has published a list of 21 post-loan cooperation institutions, including Ping An Rongyi (Jiangsu) Financing Guarantee Co., Ltd. and Ant Zhixin (Hangzhou) Information Technology Co., Ltd. [2] - Other financial institutions, such as Guangzhou Bank and Chengde Bank, have also released their cooperation institution lists, indicating a trend towards transparency in the lending sector [2]. Group 2: Regulatory Implications - The recent notification from the National Financial Regulatory Administration emphasizes the need for commercial banks to manage cooperation with platform operators and guarantee service institutions through a list management system [3]. - The notification mandates that commercial banks must not engage with institutions outside the disclosed lists, thereby tightening the regulatory framework for internet lending [3]. Group 3: Industry Signals and Future Outlook - The disclosure of cooperation institution lists sends three key signals: increased regulatory scrutiny, a push towards compliance and transparency in the lending industry, and improved risk management for financial institutions [4]. - Experts predict that the ongoing regulatory requirements will lead to a more standardized management of cooperation institutions, potentially resulting in a reshuffle where compliant and technologically advanced institutions will thrive, while smaller entities may struggle to meet the new standards [4][5].