全面排查！第三方支付机构主动掐断高息网贷支付链路

Core Viewpoint - The implementation of new regulations on internet lending and small loan companies has prompted some online lending operators to attempt to circumvent these regulations by using alternative models, leading to a crackdown on high-interest lending practices [1][4]. Group 1: Regulatory Actions - New regulations have been enacted to manage internet lending and small loan companies, specifically targeting annual interest rates above 24% [1]. - Third-party payment institutions are conducting compliance checks and terminating relationships with potentially non-compliant local financial institutions to prevent high-interest lending [4][5]. - Regulatory bodies have previously mandated that payment companies must not open accounts for financial institutions, especially small loan companies, and must scrutinize any business with internal annual returns exceeding 24% [4]. Group 2: High-Interest Lending Practices - Recent investigations revealed that some platforms, like Lu You Xuan, are charging significantly higher prices for products, effectively masking high-interest loans under the guise of installment shopping [3]. - The installment model used by these platforms often results in a total payment that is much higher than the market price, with an example showing a 23.98% annualized interest rate on a product priced at 8,444 yuan compared to its market price of 5,999 yuan [3]. Group 3: Challenges in Compliance - There are significant challenges in completely severing ties with high-interest lending due to the hidden nature of these lending models and the complex relationships between payment institutions and lending platforms [8][9]. - Payment institutions face pressure to maintain revenue from high-interest lending scenarios, complicating their ability to comply with regulations [9]. - The lack of robust risk control technologies and dynamic monitoring capabilities among smaller payment institutions makes it difficult to identify and address non-compliant lending practices [9]. Group 4: Recommendations for Payment Institutions - Payment institutions are advised to establish a "white list" system for partners, implement dynamic monitoring systems for transactions, and create dedicated compliance tracking departments to ensure adherence to regulations [10]. - There is a suggestion for payment institutions to innovate in areas encouraged by regulators, such as enhancing payment accessibility and utilizing emerging technologies like AI and big data to improve compliance efficiency [10].