助贷新规来了！银行圈定“白名单” 24%红线迎考验

Core Viewpoint - The implementation of the new regulations on internet lending by commercial banks marks a shift towards compliance and risk management, moving away from the previous unregulated growth phase in the industry [6][21][22]. Group 1: Regulatory Changes - The new regulations, effective from October 1, require commercial banks to manage their internet lending partnerships through a whitelist system, ensuring transparency and accountability in their collaborations [9][10]. - Banks and consumer finance companies are increasingly disclosing their partnered lending platforms, with major players like Ant Group, JD.com, and Tencent being preferred partners [4][8][12]. - The regulations aim to control the comprehensive financing costs for borrowers, with a focus on keeping them below 24%, which poses challenges for many lending platforms [15][20]. Group 2: Market Dynamics - The market is currently in a state of observation regarding how to implement the new lending practices, with many platforms scaling back operations due to uncertainty [5][17]. - The shift towards compliance is expected to impact smaller banks more significantly, especially those that heavily rely on lending platforms for customer acquisition [22][24]. - The competition in the lending market is anticipated to evolve from a focus on scale and traffic to a focus on risk management capabilities and financial technology [23]. Group 3: Implications for Financial Institutions - Financial institutions are urged to enhance their risk management practices and ensure that their internal policies align with the new regulations [23]. - The new regulations may create a more challenging environment for smaller banks, which need to leverage their local advantages and avoid homogeneous competition [24]. - The emphasis on compliance and risk management is expected to drive banks to improve their operational capabilities and customer service standards [22][23].