“以贷养贷”加速退场 解码催收降温与抽贷突袭背后的新规力量

Core Viewpoint - The implementation of new regulations in internet lending has led to a significant restructuring of the industry, resulting in reduced collection efforts and a halt in the "loan-to-pay-loan" model for high-risk borrowers [1][6]. Group 1: Changes in Collection Practices - Borrowers have reported a noticeable decrease in collection calls and messages, with some platforms ceasing communication altogether, leading to confusion among borrowers about their loan status [2][3]. - The reduction in collection frequency contrasts sharply with the increase in loan withdrawals, particularly affecting high-risk borrowers who are now unable to access further credit [2][3]. Group 2: Impact of New Regulations - The new lending regulations impose strict management of lending partners and control over financing costs, effectively limiting the survival of high-risk lending practices [4][5]. - Banks are now required to manage post-loan collection practices more rigorously, correcting any violations and potentially terminating partnerships with non-compliant platforms [3][4]. Group 3: Financial Viability of High-Risk Lending - The regulations have led to a significant reduction in the number of lending partners, with many banks halting internet lending operations altogether, indicating a shift towards stricter selection criteria [4][6]. - The requirement for comprehensive cost transparency has made high-risk lending less profitable, as many platforms previously charged hidden fees that inflated effective interest rates beyond legal limits [5][6]. Group 4: Consequences for Borrowers - The shift in lending practices has left many borrowers trapped in a cycle of debt, as high-interest loans lead to increased financial pressure and difficulty in obtaining new loans [6][7]. - Over 80% of borrowers seeking subsequent loans, such as mortgages, face higher interest rates or outright rejections due to poor credit histories exacerbated by frequent loan applications [6].