新增贷款综合融资成本不得超20%？多家消金公司证实

Group 1 - Recent regulatory guidance has instructed multiple consumer finance companies that the comprehensive financing cost for new loans must not exceed 20% [1] - Some companies have received this notification, while others have not, indicating a likely uniform approach without special treatment [1] - There is currently a lack of clarity regarding the specifics of the guidance, such as whether it applies to individual loans or average costs, and the calculation methods (IRR or APR) remain undefined [1] Group 2 - The impending regulations are expected to increase risks and decrease profits for institutions, potentially leading to layoffs [1] - Companies with weaker risk tolerance and insufficient professional capabilities may face severe survival challenges during this transition [1] - Although there may be short-term pain, the long-term effect is anticipated to enhance the overall professionalism of the industry, promoting a more regulated and healthy market [1] Group 3 - The risk is beginning to spread from the weakest institutions to medium-sized ones and even upstream to banks, creating challenges such as asset quality pressure and tightening credit environments [2] - If the news is accurate, the industry's profit margins will be further compressed, leading to increased differentiation and continued market clearing, benefiting strong risk management and low-cost funding institutions [2] - The regulatory aim is to reduce the financial burden on consumers, ultimately benefiting borrowers [2] Group 4 - The reduction in comprehensive financing costs could lower interest burdens for financial consumers, but it poses significant challenges for mid-tier licensed consumer finance institutions that lack access to low-cost funding [3] - Many institutions, aside from the largest players, struggle to offer assets below the 20% threshold [3]