“名单制”重塑助贷市场格局

Core Viewpoint - The lending assistance industry is undergoing unprecedented changes due to regulatory requirements, which will implement a list management system for platform operators and credit enhancement service providers starting October 1, 2025, aimed at standardizing the market and enhancing industry concentration and compliance [1] Group 1 - The list management system provides financial institutions with clear cooperation guidelines, enabling them to accurately select partners that meet regulatory requirements and their own risk preferences [3] - Analysts predict that institutions lacking qualifications or with weak risk control capabilities will be eliminated, significantly increasing industry concentration and compliance [3] - Financial institutions have begun to respond to this policy, with companies like Shangcheng Consumer Finance publicly announcing their post-loan cooperation lists, which include over 20 institutions, primarily top lending platforms [3] Group 2 - The implementation of the list management system will intensify industry differentiation and reshuffling, with leading lending institutions more likely to meet the entry standards due to their compliance capabilities, technological strength, and brand influence [3] - To remain on the cooperation list of financial institutions, leading lending agencies will need to focus more on compliance operations [3] - The list management system significantly impacts small to medium-sized lending institutions with interest rates in the 24% to 36% range, as their comprehensive costs may exceed the threshold, making it difficult to enter bank cooperation lists and resulting in a loss of funding support [3][4] Group 3 - Once funding is cut off, the transaction volume of small to medium-sized lending institutions will rapidly decline, as these institutions previously relied on external funding sources to expand their asset scale within the 24% to 36% interest rate range [4] - The establishment and adherence to the list management system can protect consumer rights while providing licensed institutions with better protection for their own rights and inter-industry cooperation [4]