调查 | 助贷新规下行业生变！有银行拒批高利率对客资金

Core Viewpoint - The new regulations on internet lending, referred to as the "Assistance Lending New Regulations," aim to enhance the management of commercial banks' internet lending businesses and improve financial service quality, with a significant impact expected on the trillion-level assistance lending market [1]. Group 1: Regulatory Changes and Market Impact - The new regulations have prompted leading lending platforms to develop compliance plans and restructure their business processes even before the regulations take effect [2]. - The introduction of a "white list" of compliant lending institutions marks a significant change in the industry, with major banks and consumer finance companies disclosing their approved partners [3]. - The current narrow definition of the assistance lending market in China has already surpassed one trillion yuan, with projections indicating it could reach 5.9 trillion yuan by 2028 [4]. Group 2: Changes in Funding and Risk Management - Some banks are beginning to reject funding requests for high-risk loans with interest rates between 24% and 36%, indicating a tightening of capital availability for these products [5][6]. - The new regulations enforce stricter oversight on the actual fees charged by credit enhancement service providers, effectively capping the comprehensive financing cost at the judicial protection limit of 24% [6][7]. - The regulations are expected to eliminate the practice of splitting loans into base rates and additional fees, thereby standardizing pricing mechanisms and reducing unhealthy competition among smaller platforms [7]. Group 3: Responsibilities of Banks and Lending Platforms - Both banks and lending institutions are under increasing pressure to lower overall funding costs in response to the new regulations, with some platforms reporting a 30 basis point decrease in funding costs in the first quarter of the year [8]. - The new regulations shift the balance of power in partnerships, requiring banks to conduct thorough due diligence and establish clear agreements with lending platforms, thereby enhancing their independent risk assessment capabilities [9][10]. - The regulations encourage lending platforms to improve their technological capabilities and strengthen collaboration with banks, particularly in areas such as data modeling and fraud prevention [11].