事关助贷新规，外资银行加速披露！

Core Viewpoint - Foreign banks are quietly entering the Chinese consumer loan market, revealing their localization strategies through recent disclosures of internet loan partnerships [1][2]. Regulatory Changes - The new regulations on internet lending, effective from October 1, 2025, are prompting foreign banks to disclose their internet loan partners, reflecting a strategic shift in response to regulatory compliance [2][8]. Strategic Partnerships - Several foreign banks, including Hana Bank and Standard Chartered, have announced partnerships with various platforms for internet loans, indicating a clear strategic layout in the consumer credit market [3][4]. - Fubon Bank has the most diverse partnerships, collaborating with 52 institutions, including banks, consumer finance companies, and tech firms, showcasing a comprehensive ecosystem approach [4]. Diverse Business Models - The cooperation models among foreign banks are varied, including pure referral models, joint lending with shared risks, and guarantee enhancement services, reflecting differentiated strategies based on risk preferences [6][9]. - Major platforms like Ant Group and WeBank frequently appear in partnerships, indicating a preference for established players to enhance competitiveness and stability [6]. Challenges and Opportunities - Foreign banks face dual challenges in the Chinese market: high compliance costs and competition from local platforms that dominate customer acquisition [7]. - The new regulations present both challenges and opportunities, as they require banks to manage partnerships more carefully and focus on compliance to maintain reputation and asset quality [8][9].