国家金融监管总局：加强商业银行互联网助贷业务管理

Core Viewpoint - The National Financial Regulatory Administration has issued a notice to enhance the management of internet-assisted lending by commercial banks, aiming for a more standardized and orderly development of this business model [1][2]. Group 1: Development of Internet-Assisted Lending - The internet-assisted lending business has rapidly developed as commercial banks leverage external internet platforms to issue loans, enhancing service efficiency for financial consumers [1]. - Internet platforms have played a complementary role by utilizing mature consumption scenarios, transaction customer groups, and customer data [1]. Group 2: Issues Identified - The rapid growth of internet-assisted lending has exposed several issues, including mismatches in rights and responsibilities, unreasonable pricing mechanisms, imprudent business development, and inadequate protection of financial consumer rights [1]. Group 3: Regulatory Measures - The notice emphasizes the need for commercial banks to establish a sound institutional framework, strengthen the management of cooperative institutions, standardize cost and fee management, and enhance independent risk control [1]. - It mandates that commercial banks include the fees charged by credit enhancement service providers in the comprehensive financing cost and clearly define the cost range [1]. Group 4: Consumer Protection - Commercial banks and their cooperative institutions are required to strengthen the protection of financial consumer rights, standardize marketing practices, and comply with national regulations on online marketing [2]. - There is an obligation to fully disclose key loan-related information to borrowers and to manage post-loan collection practices effectively, correcting any identified violations promptly [2].