新规落地在即 经济日报：为助贷业务规范发展戴上“紧箍咒”

Core Viewpoint - The implementation of new regulations on internet lending business aims to address issues such as mismatched responsibilities and benefits, unreasonable pricing mechanisms, imprudent business development, and inadequate protection of financial consumers' rights, promoting orderly development in the lending sector [1] Group 1: Changes in Pricing Mechanism - The new regulations will enhance transparency in the pricing mechanism of lending services, requiring banks to include guarantee service fees in the comprehensive financing cost and prohibiting disguised fee increases through consultation or advisory fees [2] - This transparency is expected to effectively curb the hidden fee practices that have plagued the lending market [2] Group 2: Consumer Rights Protection - Financial consumer rights are set to receive better protection, with the new regulations addressing issues such as excessive borrowing inducement, aggressive debt collection, and privacy breaches that have harmed consumers' property, right to know, and privacy [2] - Banks and platforms are encouraged to integrate consumer rights protection into all aspects of product development, risk management, and service optimization [2] Group 3: Industry Dynamics - The new regulations are likely to accelerate the exit of non-compliant institutions, benefiting compliant leading institutions in the long term [3] - Banks are now required to manage and publicly disclose their partner institutions, which will reduce the risk of hidden profits through partnerships with non-compliant entities [3] - As a result, market share is expected to concentrate further on compliant businesses, fostering a healthier and more stable industry environment [3]