中小银行与助贷机构“密集分手”？ 助贷合作百日剧变：银行白名单从“广撒网”到“急收缩”

Core Viewpoint - The implementation of the new lending regulations in October 2025 has led to a rapid restructuring of cooperation between commercial banks and lending institutions, with many banks significantly reducing their partnerships with these institutions due to increased regulatory pressures and risk considerations [1][7]. Summary by Sections Changes in Cooperation Strategies - The new regulations require banks to manage partnerships with lending institutions through a whitelist system, leading to a significant reduction in the number of approved partners [1][6]. - For instance, Yilian Bank's whitelist shrank by 84% from November 2024 to June 2025, indicating a proactive contraction in cooperation before the regulations took effect [1]. Shift in Attitude Towards Lending Business - Some regional banks have opted to completely cut off their lending business, ceasing new partnerships for personal internet consumer loans [2][3]. - Urumqi Bank and Longjiang Bank have announced the cessation of their cooperative lending activities, contrasting sharply with their previous expansion efforts [3][4]. Risk Management and Regulatory Compliance - The new regulations mandate that banks include credit enhancement service fees in the overall financing costs, directly impacting the profitability of lending operations [7]. - Banks are now required to monitor the risks associated with lending partners more closely, which may lead to increased capital requirements and compliance costs, particularly for smaller banks [8]. Market Dynamics and Competitive Landscape - The lending market is experiencing a "Matthew effect," where leading platforms like Ant Group and JD.com are consolidating their market positions due to their compliance capabilities and data advantages [9]. - Smaller lending institutions are facing survival challenges and are seeking differentiation through niche markets or regional operations [9]. Future Directions and Challenges - The new regulations signify a shift towards a more regulated and compliant lending environment, posing long-term challenges for both banks and lending institutions in balancing compliance with innovation [10]. - Banks are focusing on building their own risk management capabilities and investing in technology to enhance their digital lending operations [10].