Core Viewpoint - The implementation of new regulations on internet lending business aims to address issues such as mismatched responsibilities and benefits, unreasonable pricing mechanisms, imprudent business development, and inadequate protection of financial consumers' rights, promoting orderly development in the lending sector [1] Group 1: Changes in Pricing Mechanism - The new regulations will enhance transparency in the pricing mechanism of lending services, requiring banks to include guarantee service fees in the comprehensive financing cost and prohibiting disguised fee increases through consultation or advisory fees [2] - This transparency is expected to effectively curb the hidden fee practices that have plagued the lending market [2] Group 2: Consumer Rights Protection - Financial consumer rights are set to receive better protection, with the new regulations addressing issues such as excessive borrowing inducement, aggressive debt collection, and privacy breaches that have harmed consumers' property, right to know, and privacy [2] - Banks and platforms are encouraged to integrate consumer rights protection into all aspects of product development, risk management, and service optimization [2] Group 3: Industry Dynamics - The new regulations are likely to accelerate the exit of non-compliant institutions, benefiting compliant leading institutions in the long term [3] - Banks are now required to manage and publicly disclose their partner institutions, which will reduce the risk of hidden profits through partnerships with non-compliant entities [3] - As a result, market share is expected to concentrate further on compliant businesses, fostering a healthier and more stable industry environment [3]

在助贷合作业务监管态势不断加强的背景下，以互联网助贷为主业的金融科技公司，面临诸多挑战。当 前，包括奇富科技、乐信、信也科技、嘉银科技、小赢科技、宜人智科等6家主要上市金融科技公司已 全部披露了2024年度财报。 南都.湾财社记者不完全统计发现，从营业收入和净利润来看，大多企业数据表现向好，6家企业中有三 分之二的公司均实现营收净利双增。不过从新增贷款规模来看，各公司表现有增有减且分化趋势逐步明 显。 此外，值得关注的是，4月初，国家金融监督管理总局发布《关于加强商业银行互联网助贷业务管理提 升金融服务质效的通知》，该文件将于今年10月正式施行，银行与助贷机构的合作模式将重塑，行业乱 象将得到治理。 业绩整体向好 梯队分化逐渐明显 而余下3家营收规模均在50亿元级别，且差距不大。其中，小赢科技58.72亿元、宜人智科58.06亿元、嘉 银金科58.01亿元。 从营收增长幅度来看，6家公司去年营收均同比增长，且第二梯队公司增幅更大，具体来看，小赢科 技、宜人智科营收增幅均为双位数，分别为21.95%、18.59%；剩余几家公司营收增幅则不超过10%，乐 信、嘉银科技、奇富科技、信也科技营收增幅分别为为8.78% ...