有地区监管下发助贷业务征求意见稿，“24%+权益”模式能否合规？

Core Viewpoint - The new regulations for assistive lending will officially take effect in October, prompting local regulators to prepare in advance for compliance and management of assistive lending practices [1][2]. Group 1: Regulatory Changes - The Beijing Financial Regulatory Bureau has issued a draft for public consultation regarding the management of assistive lending, marking the first local regulatory response following the national assistive lending regulations [2][4]. - The draft emphasizes stricter compliance measures, including prohibiting disguised increases in financing costs through "membership rights" and "value-added rights" [3][5]. - Specific prohibitions include the payment of fees outside agreed terms, forced bundling of financial products, and collaboration with non-operational information intermediaries [3][4]. Group 2: Industry Response - The industry is actively responding to the new regulations, with many assistive lending institutions assessing their compliance status and exploring alternative models such as "24% + notarization" and "24% + insurance" [1][6]. - There is uncertainty regarding the viability of the "24% + rights" model, as it faces significant customer complaints and regulatory scrutiny [5][6]. - The industry is under pressure to complete compliance transformations within a tight timeframe, with many institutions evaluating their risk management strategies [5][6]. Group 3: Customer Complaints and Challenges - Customer complaints related to assistive lending have surged, particularly concerning hidden fees and complex refund processes associated with membership rights [5][6]. - The prevalence of multiple borrowing among customers poses a risk to the industry, as tightening of funding channels could lead to increased default rates [6][7]. - New models being explored, such as the "24% + notarization" approach, aim to address compliance while managing customer costs, though they also face operational challenges [6][7].