助贷新规重拳下，银行紧急“断舍离”：万无一失的兜底，成了风险炸弹？

Core Viewpoint - Recent regulatory changes have led to a significant reduction in 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 smaller lending platforms, which were previously favored for their lower fees and guarantees [2][3]. - Banks are now focusing on partnerships with leading platforms, reflecting a defensive strategy to mitigate potential risks associated with smaller, less reliable platforms [2][3]. 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]. - The new regulations require lending platforms to lower their comprehensive interest rates to below 24%, which poses a challenge for maintaining profitability and fulfilling guarantees [4][5]. - Increased operational costs, including rising customer acquisition costs and higher funding costs, are further straining the financial viability of many lending platforms [5][6]. Group 3: Industry Challenges and Future Outlook - The lending industry is facing a significant transformation, moving away from rapid growth towards a focus on compliance and risk management [7][8]. - Many smaller platforms may struggle to survive under the new regulatory environment, leading to a potential industry shakeout where only those with robust risk management and technological capabilities will thrive [7][8]. - The current market dynamics suggest that lending platforms must abandon previous high-risk, high-interest models and return to core lending practices to ensure long-term sustainability [8].