助贷“白名单”超50家 富邦华一银行“抢滩”互联网贷款

Core Viewpoint - The implementation of new regulations for internet lending by commercial banks is imminent, with many banks and consumer finance companies disclosing their "white lists" of cooperative institutions [1][2]. Group 1: Company Overview - Fubon Bank has disclosed a total of 52 cooperative institutions for internet lending, including banks, consumer finance companies, internet platforms, micro-loan companies, and financing guarantee companies [2][3]. - The bank's internet loan balance accounted for 33% of its total loans by the end of 2021, and its personal loan balance has doubled over four years, exceeding 25 billion yuan by the end of 2024 [2][3]. Group 2: Regulatory Context - The new regulations, effective from October 1, 2023, require banks to disclose their cooperative institutions for internet lending, enhancing transparency and consumer protection [3][4]. - The regulations limit the comprehensive financing cost to a maximum annualized rate of 24%, addressing concerns over high interest rates in the market [4]. Group 3: Market Dynamics - Fubon Bank collaborates with lending platforms to quickly expand its consumer credit offerings, addressing its customer acquisition challenges [3][4]. - The bank's internet loan rates are reported to be around 5% to 5.8%, but additional costs from guarantee institutions can raise the total financing cost to approximately 22.26% [5][6]. Group 4: Risk and Compliance - The bank emphasizes compliance with legal and regulatory requirements, conducting regular assessments of its cooperative platforms to mitigate risks [4][6]. - The reliance on guarantee institutions is seen as a way to manage higher default risks associated with internet loans, which may affect the bank's profitability [6][7].