“逃离”助贷？银行集体“瘦身”助贷合作 兜底模式反成风险源

Core Viewpoint - Recent regulatory changes have led to a significant contraction in the cooperation between local commercial banks and internet lending platforms, primarily due to concerns over "joint debt risks" and the need for banks to strengthen their own risk management capabilities [1][2][3]. Group 1: Bank Actions and Reactions - Several local banks, including Urumqi Bank and Longjiang Bank, have announced a halt to new internet lending partnerships, while others have significantly reduced the number of cooperative platforms [1]. - The introduction of new regulations has prompted banks to reassess their reliance on external lending institutions, leading to a defensive strategy of reducing partnerships with lower-tier platforms [2][3]. - The tightening of cooperation is a response to compliance requirements and the need to manage risks associated with lending to lower-quality clients [7]. Group 2: Impact on Lending Platforms - The profitability of lending platforms has been severely impacted, with profit margins dropping from approximately 4% to around 2% per loan due to regulatory changes [4][5]. - Many platforms are struggling to maintain a balance between income and expenses, with rising costs and increased bad debt affecting their financial stability [5][6]. - The traditional "guarantee" model, where banks relied on platforms to cover bad debts, is becoming unsustainable under the new regulations, raising concerns about the platforms' ability to fulfill these commitments [2][3]. Group 3: Future Outlook and Industry Dynamics - The lending industry is expected to undergo significant consolidation, with smaller platforms lacking real risk management capabilities likely to exit the market [9]. - Future competition in the lending space will focus on risk management, financial technology capabilities, and refined customer operations rather than merely on scale and volume [7][9]. - Platforms must abandon past practices of relying on high-interest rates for profitability and instead return to core lending business principles to survive in the evolving regulatory landscape [8][9].