银行为何对互联网助贷做减法

Group 1 - The core viewpoint of the articles highlights the shift in the internet lending cooperation model between banks and external platforms, emphasizing the need for clearer responsibilities and risk management as banks reduce reliance on these partnerships [1][2][3] - Recent data indicates that several small and medium-sized banks in regions like Xinjiang and Heilongjiang are scaling back their internet lending collaborations, with some banks halting new partnerships altogether [1][2] - The regulatory environment is tightening, with new rules set to take effect on October 1, 2025, mandating banks to implement a "white list" management system for partner institutions and to enhance their risk management practices [2][3] Group 2 - The increase in regulatory scrutiny is evident, as recent penalties have been imposed on banks for inadequate management of internet loan and agency businesses, signaling a shift towards more standardized practices in the industry [2] - The evolving landscape of internet lending is pushing banks to transition from a focus on scale and flow dependency to enhancing core risk management capabilities, leveraging technology for better marketing efficiency [3] - The role of lending platforms is expected to change, moving from providing guarantees to becoming technology enablers and service intermediaries, with a more transparent profit model emerging [3]