约120家金融机构已披露助贷合作“白名单” 互金协会倡议：应便于金融消费者查看

Core Insights - The implementation of new regulations for self-service loans has shown significant results, with approximately 120 financial institutions disclosing their internet loan assistance business partners by the end of October, involving over 500 technology companies and other entities [1][3] Group 1: Disclosure Issues - Despite the progress, there are issues with the disclosure format, including hidden locations and lack of search functionality, making it difficult for consumers to find information [1] - The titles of disclosures are often generic, such as "announcement," and do not indicate the update time or are not sorted chronologically [1][2] - Some institutions have displayed inaccurate names of partner organizations, only showing the group name or failing to update for entities that have changed names or been deregistered [1][3] Group 2: Recommendations for Improvement - Financial institutions are encouraged to disclose information in a manner that is easy for consumers to access, such as placing it prominently on their official websites [2] - Accurate names of partner organizations should be provided, along with additional details like the type of partnership, product names, and contract periods [2] - Updates to disclosures should not simply overwrite previous announcements but should maintain a record of changes [3] Group 3: Regulatory Background - The new regulations stem from a notification issued by the National Financial Supervision Administration in April 2023, aimed at enhancing the management of internet loan assistance by commercial banks [3] - The regulations highlight the rapid growth of internet loan assistance services, which, while improving efficiency, have also revealed issues such as inadequate management, misaligned responsibilities, and insufficient consumer protection [3]