高利网贷被“封喉”！层层马甲难防，有支付机构砍掉所有网贷

Core Viewpoint - The payment industry is tightening controls on high-interest online lending, with many institutions halting cooperation with platforms charging annual interest rates above 24%, aiming to cut off the payment channels for high-interest loans [1][19]. Group 1: Urgent Investigations - Multiple payment institutions are tightening cooperation with high-interest online lending platforms, focusing on shutting down access for those with annual interest rates above 24% [3][21]. - The tightening measures were prompted by a regulatory incident involving a payment institution, leading to heightened scrutiny from regulatory authorities [3][21]. - Some payment companies have adopted a "one-size-fits-all" approach, terminating all cooperation with online lending businesses [3][21]. Group 2: Regulatory Focus - The regulatory emphasis is on eliminating unlicensed high-interest lending platforms, with payment institutions conducting urgent investigations related to recent high-interest online lending issues [6][27]. - Regulatory guidance has led to the cessation of new entries and the cleaning up of existing business for small loan and assistance institutions [27][28]. - The tightening of payment channels is part of a broader effort to comply with upcoming regulations, including the "Assisted Lending New Regulations" set to take effect in October 2025 [28]. Group 3: Challenges in Compliance - The industry faces challenges in compliance due to the hidden operations of some platforms, which use deceptive practices to evade detection [12][30]. - Many platforms disguise high-interest loans under the guise of product installment plans, complicating the identification of actual lending practices [12][30]. - Payment institutions struggle to monitor and penetrate the actual financing costs due to the complex and layered nature of these operations [33][36]. Group 4: Market Dynamics - Despite the challenges, there is still demand for high-interest lending, and some smaller payment platforms may attempt to fill the gap left by larger institutions [16][34]. - The impact of halting cooperation with online lending businesses is perceived as manageable for some payment companies, as this segment contributes little to overall profitability [34][36]. - The future of compliance in the payment and lending sectors may evolve into a "dual compliance" model, where only compliant platforms are allowed to operate [36][37].