助贷机构须积极合规转型
Jin Rong Shi Bao·2025-10-21 01:15

Core Viewpoint - The implementation of the new regulations for the lending industry on October 1 marks a new starting point for the standardized development of the sector, aiming to clarify the comprehensive financing cost range and address existing issues in the market [1][4]. Summary by Sections Issues in the Lending Industry - The lending industry has seen various problems arising from profit-driven motives, including excessive charges disguised as consultation and guarantee fees, leading to inflated comprehensive financing costs [1][2]. - The "dual guarantee" phenomenon is prevalent, where the actual annualized interest rates for lending products range from 24% to 36%, with part of the fees hidden under different service charges [2][3]. Market Response to New Regulations - Following the new regulations, many lending platforms have ceased offering products with annualized interest rates exceeding 24%, and several institutions have begun to clearly display their interest rate ranges on their platforms [3][4]. - The new regulations require a clear delineation of comprehensive financing costs, prompting lending institutions to prioritize compliance and reduce interest rates [2][3]. Industry Transformation - The lending industry is undergoing a significant transformation, with 31 licensed consumer finance companies disclosing their lending partners in compliance with the new regulations [4]. - According to a report by iResearch, the growth rate of lending businesses with annualized interest rates above 24% has dropped from 34.1% to 8.6%, indicating initial effects of compliance rectification [4]. Future Directions for the Lending Industry - The future of the lending industry lies in focusing on loans with comprehensive annualized interest rates below 24% and transitioning towards comprehensive financial services [5]. - Competition in the lending market is expected to shift from mere scale and traffic to a focus on risk management capabilities, financial technology strength, and refined customer operations [5].