为什么贷款骚扰电话变少了

Core Viewpoint - The recent decrease in loan solicitation calls and advertisements is primarily attributed to the new regulations on internet lending that took effect on October 1, which aim to enhance the quality of financial services and regulate marketing practices [1] Group 1: Regulatory Changes - The new regulation titled "Notice on Strengthening the Management of Internet Lending by Commercial Banks" has been implemented to standardize marketing and operational practices within the lending industry [1] - The regulation introduces a list management system for platform operators and credit enhancement service providers, which is expected to reshape the industry [1] Group 2: Impact on Lending Practices - A significant aspect of the new regulation is the establishment of a "red line" for annual interest rates, set at a maximum of 24%, which is anticipated to lead to a comprehensive restructuring of products and business models across the industry [1] - Previously, loans with interest rates above 24% were deemed illegal, but under the new rules, banks are required to refrain from cooperating with lenders that exceed this threshold, potentially leading to more stringent lending practices [1] - The reduction of the interest rate cap may result in increased instances of loan withdrawals and more challenges in extending credit limits for borrowers [1]