向助贷新规靠拢！已有消金机构公示助贷合作名单

Core Viewpoint - The article discusses the proactive measures taken by consumer finance institutions, particularly Shangcheng Consumer Finance, in aligning with the new lending regulations set to take effect on October 1, which emphasize transparency and compliance in the lending process [1][3]. Group 1: Regulatory Changes - The new lending regulations introduce a "name-based management" system, requiring commercial banks and licensed consumer finance companies to implement dynamic management of their cooperative platforms and guarantee service institutions [3][4]. - The regulations aim to enhance information transparency for consumers, thereby protecting their rights and reducing potential risks associated with lending [3][4]. Group 2: Industry Response - Shangcheng Consumer Finance has already disclosed information about its cooperative lending institutions, including pure lending referral platforms and joint lending institutions, which reflects a commitment to compliance and transparency [3][5]. - Other consumer finance institutions are also preparing to disclose their cooperative lending lists in accordance with the new regulations, indicating a shift towards standardized practices in the industry [6]. Group 3: Consumer Protection - The regulations are designed to prevent fraudulent activities by ensuring that consumers can verify the legitimacy of lending platforms through licensed institutions [4][5]. - By promoting transparency, the regulations aim to help consumers avoid illegal lending practices and improve the overall health of the internet lending market [5][6]. Group 4: Compliance and Risk Management - The article highlights past instances where consumer finance institutions faced penalties due to inadequate management of cooperative lending practices, underscoring the importance of compliance [5]. - Institutions are expected to enhance their criteria for selecting cooperative lending partners, focusing on qualifications, compliance, and risk management capabilities [5][6].