支付公司突然切断扣款通道，分期商城调整、转型撞上新难题？

Group 1 - The installment shopping mall has become a hot topic in the lending industry, with major players actively planning or launching their own platforms in response to new regulations [1] - Several installment mall platforms are taking proactive measures to ensure industry stability and healthy development, focusing on three main areas: ensuring real consumption scenarios, controlling product markup, and providing multiple payment options [1] - Platforms are facing challenges such as reduced cooperation from partners and increased caution from funding sources, leading to higher lending thresholds and more stringent requirements [1] Group 2 - A recent incident involved a Shanghai installment mall being unilaterally terminated by Tonglian Payment, disrupting the normal deduction of installment loans [2] - According to the Civil Code, parties that fail to fulfill contractual obligations may face liability for breach of contract, including compensation for losses incurred [2] - The Non-Bank Payment Institutions Supervision and Administration Regulations state that unjustified interruption of payment services may result in penalties, including fines and potential suspension of operations [3] Group 3 - The Ministry of Commerce, the People's Bank of China, and the financial regulatory authority proposed measures to enhance financial support for key consumer sectors, emphasizing the importance of identifying legitimate installment malls versus those engaging in predatory lending practices [4]