收缩、暂停业务 银行为何对互联网助贷做减法

Core Viewpoint - The article discusses the evolving landscape of internet lending cooperation between banks and external platforms, highlighting the shift towards compliance and risk management in response to emerging risks and regulatory changes [1][2][3]. Group 1: Internet Lending Cooperation Model - Internet lending cooperation involves banks partnering with external platforms that leverage their traffic and technology for customer acquisition, preliminary risk control, and post-loan management, while banks provide the funding and final approval [1]. - This model has allowed small and medium-sized banks to efficiently reach a broader customer base and enhance their retail asset offerings at a lower cost [1]. Group 2: Emerging Risks and Regulatory Response - Rapid expansion of internet lending has revealed risks, with complex ownership structures of some lending platforms potentially transmitting risks to partner banks, thereby increasing asset quality pressure [2]. - Recent penalties imposed by financial regulators on banks for imprudent management of internet lending and related businesses indicate a shift towards more stringent regulatory oversight [2]. - The implementation of new regulations on October 1, 2025, will require banks to manage partnerships through a "white list" system, enforce accountability, and adhere to strict cost requirements, marking a transition from growth to compliance-focused development [2][3]. Group 3: Market Changes and Future Directions - The new regulations are expected to reshape the internet lending ecosystem, leading to a consolidation of resources towards a few leading technology platforms, while many smaller institutions may face exit risks due to heightened compliance and technical standards [3]. - The role of lending platforms is shifting from providing guarantees to focusing on technology empowerment and service mediation, with a more transparent profit model emerging [3]. - Banks are encouraged to transition from a scale-driven approach to a focus on core competencies in risk control, enhancing marketing efficiency through technology and deepening financial penetration in rural areas [4].