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Core Viewpoint - The article discusses the impact of the newly implemented "Loan Assistance Regulations" on the lending industry, highlighting a significant shift in the landscape due to stricter regulations aimed at curbing high-interest lending practices and improving financial service quality [3][7]. Summary by Sections Impact of New Regulations - The "Loan Assistance Regulations," effective from October 1, aim to eliminate disguised high-interest lending practices that have plagued the industry. These regulations enforce a "name list management" system for banks to monitor their partner institutions and regulate actual comprehensive fee rates, thereby reducing the space for high-interest operations [3][7]. Changes in Borrowing and Collection Practices - Following the implementation of the new regulations, borrowers have reported a significant decrease in collection calls, with many experiencing a "silent" period where they receive fewer calls compared to previous months. Complaints related to collection calls have also dropped dramatically from over a hundred in September to just a few in October [4][5]. - Online marketing for loans that do not check credit has been effectively blocked by platforms, indicating a tightening of lending practices [5][6]. Borrower Experiences - Many borrowers, especially those with poor credit histories, are finding it increasingly difficult to secure loans. Reports indicate that several small lending platforms have ceased offering new credit lines, leaving borrowers without options [6][8]. - The article illustrates the plight of borrowers who previously relied on "borrowing to pay off old debts," now facing a complete breakdown of this cycle as lending options dry up [6][8]. Industry Outlook - The new regulations are expected to lead to a significant consolidation in the lending industry, with many smaller institutions likely to exit the market. This will increase the overall concentration of the industry, as compliance becomes a critical factor for survival [8]. - The article notes that while larger platforms may absorb the impact of these changes, smaller institutions that relied on high-interest lending will face a complete overhaul of their business models [8].