Core Viewpoint - The article discusses the proactive measures taken by consumer finance institutions, particularly Shangcheng Consumer Finance, in aligning with the new lending regulations set to take effect on October 1, which emphasize transparency and compliance in the lending process [1][3]. Group 1: Regulatory Changes - The new lending regulations introduce a "name-based management" system, requiring commercial banks and licensed consumer finance companies to implement dynamic management of their cooperative platforms and guarantee service institutions [3][4]. - The regulations aim to enhance information transparency for consumers, thereby protecting their rights and reducing potential risks associated with lending [3][4]. Group 2: Industry Response - Shangcheng Consumer Finance has already disclosed information about its cooperative lending institutions, including pure lending referral platforms and joint lending institutions, which reflects a commitment to compliance and transparency [3][5]. - Other consumer finance institutions are also preparing to disclose their cooperative lending lists in accordance with the new regulations, indicating a shift towards standardized practices in the industry [6]. Group 3: Consumer Protection - The regulations are designed to prevent fraudulent activities by ensuring that consumers can verify the legitimacy of lending platforms through licensed institutions [4][5]. - By promoting transparency, the regulations aim to help consumers avoid illegal lending practices and improve the overall health of the internet lending market [5][6]. Group 4: Compliance and Risk Management - The article highlights past instances where consumer finance institutions faced penalties due to inadequate management of cooperative lending practices, underscoring the importance of compliance [5]. - Institutions are expected to enhance their criteria for selecting cooperative lending partners, focusing on qualifications, compliance, and risk management capabilities [5][6].

严禁与名单外机构合作。 2025年10月1日起，国家金融监督管理总局发布的《商业银行互联网助贷业务管理办法》（下称"助贷新规"）将正式 实施。新规要求商业银行对合作机构实行"白名单"管理，并严禁与名单外机构合作。 离正式实施还有不到5个月，广州银行、承德银行等多家金融机构已提前行动，披露助贷业务合作机构。第一财经记 者注意到，当前披露的名单呈现两大特征：合作方高度集中于蚂蚁、京东、字节跳动等头部平台，且涵盖持牌金融机 构及担保公司等多类主体。 业内人士指出，助贷新规将加速行业洗牌，头部机构因合规优势进一步受益，而依赖"嵌套导流"的中小平台生存空间 将被挤压。目前，京东、字节跳动等流量巨头手握"入场王牌"，奇富科技、乐信等金融科技公司凭借先发优势构建放 贷"护城河"，行业马太效应日益凸显。 多家机构披露白名单 根据助贷新规要求，商业银行总行应当对平台运营机构、增信服务机构实行名单制管理，通过官方网站、移动互联网 应用程序等渠道披露名单，及时对名单进行更新调整。商业银行不得与名单外的机构开展互联网助贷业务合作。 离新规实施还有不足5个月，广州银行、承德银行、尚诚消费金融等多家机构已经披露合作助贷机构"白名单"。记 ...

Core Viewpoint - Xinwang Bank's 2024 performance shows revenue growth but a significant decline in net profit, indicating challenges in maintaining profitability despite increasing income [1][3]. Financial Performance - Xinwang Bank reported a revenue of 6.37 billion yuan in 2024, a year-on-year increase of 16.07% from 5.488 billion yuan in 2023 [3]. - The net profit for 2024 was 811 million yuan, down 19.7% from 1.01 billion yuan in 2023 [3]. - Total assets reached 103.628 billion yuan, a slight increase of 0.68% from 102.926 billion yuan the previous year [3]. Market Environment - The bank faces a challenging external environment due to deep economic adjustments and increased competition from larger national banks, which has pressured the survival of smaller banks like Xinwang [3][4]. - The competitive landscape has led to rising credit risks for many small and medium-sized banks, including Xinwang [3]. Business Model and Risk Factors - Xinwang Bank primarily serves small and micro enterprises, individual consumers, and has a product focus on retail loans, which are more susceptible to credit risks due to the clients' limited financial resilience [4][5]. - The bank has experienced fluctuations in overdue rates, impacting its profitability [4]. - The bank is involved in numerous legal disputes related to financial loan contracts, with over 6,470 cases reported, indicating potential asset quality concerns [5][6]. Regulatory Impact - Recent regulatory changes in the lending sector, particularly the 24% interest rate cap, may compress Xinwang Bank's profit margins in the short term but could enhance risk management in the long run [9][10]. - The bank is expected to adapt its product offerings and pricing strategies to comply with new regulations while maintaining profitability [10][11]. Future Outlook - Xinwang Bank aims to focus on digital inclusive finance and will adjust its development strategy based on external economic conditions and regulatory changes [11]. - There is a need for improved risk management practices and diversification of income sources to enhance financial stability and performance [10][11].