互金协会：金融机构助贷合作“白名单”应便于金融消费者查看

Core Viewpoint - The China Internet Finance Association (CIFA) has released a list of financial institutions involved in internet lending cooperation, highlighting the need for better transparency and accessibility for consumers [1][3]. Summary by Sections Current Disclosure Status - Approximately 120 financial institutions have disclosed their internet lending cooperation partners, totaling over 500 technology companies, guarantee companies, and insurance companies, with nearly 4,000 instances of disclosure [1]. - Some institutions have updated their lists dynamically, providing additional details such as product names and customer service numbers [1]. Issues Identified - CIFA noted issues with the current disclosure practices, including non-standardized formats and inaccurate information. For instance, disclosures are often hard to find, poorly titled, and lack chronological order [1][2]. - The names of disclosed partners are sometimes inaccurate, showing only the group name or including entities that have changed names or been deregistered [1]. Recommendations from CIFA - Financial institutions should disclose information in a manner that is easy for consumers to access, such as placing it prominently on their official websites [3]. - Accurate naming of partner institutions is essential, along with additional details like the type of cooperation, product names, and contract periods [3]. - Institutions should ensure timely updates to disclosures without simply overwriting previous announcements [4]. Participation Overview - A total of 119 financial institutions have publicly disclosed their internet lending cooperation partners, with no state-owned banks included in the disclosures. The participating institutions comprise 11 joint-stock banks, 39 city commercial banks, 16 private banks, 10 foreign banks, 1 direct bank, 5 rural commercial banks, 7 trust companies, and 30 consumer finance companies [4].