多家信托公司披露互联网助贷业务合作机构名单。 信托公司的助贷业务，是近年来在强监管下快速演变的一个领域。它一边连着信托公司的转型需求，另 一边接着庞大的消费金融市场。 今年4月，国家金融监督管理总局发布的《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》提出，信托公司应参照执行，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。不得与名单外的机构开展互联网助贷业 务合作。 智通财经记者通过查询信托公司官网发现，目前包括中诚信托、中信信托、外贸信托、陕国投信托、华 能信托、上海国际信托、国投泰康信托、交银国际信托、爱建信托、五矿信托、云南国际信托、粤财信 托、山西信托、中粮信托、天津信托、华鑫信托等至少16家信托公司进行了互联网助贷业务合作机构名 单公示。 | 平台运营机构 | | | | | | | 信托机构 | | 增信服务机构 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 蚂蚁智信(杭州)信息技术有限公司 | 云瀚信息科技有限公司 | 宿迁达润信 ...

Core Viewpoint - The recent developments in the consumption finance trust business highlight a resurgence in the sector, driven by regulatory changes and market dynamics, despite the risks exemplified by the Huaneng Trust loan fraud case [1][4][14]. Group 1: Regulatory Environment - The local securities regulatory bureau has initiated a special self-inspection of asset-backed securities (ABS) related to Huaneng Trust's "credit guarantee loan" business to prevent similar fraud risks from affecting the ABS market [1]. - The implementation of the new lending regulations on October 1 is expected to impose stricter constraints on trust institutions involved in consumer loans, including limits on borrowing rates and platform management [2][7]. Group 2: Market Trends - In the first eight months of 2025, 26 trust companies issued consumption finance collective trust plans totaling 173.3 billion yuan, marking a year-on-year increase of over 50% [4][6]. - Major trust companies such as Tianjin Trust, Guomin Trust, and Huaxin Trust have significantly increased their issuance of consumption finance trust products, with some companies doubling their issuance compared to the previous year [4][6]. Group 3: Business Models - The consumption finance trust business, which primarily involves providing consumer loans, has evolved from a focus on non-standard financing to a more regulated environment due to increased scrutiny [3][11]. - The trust companies are now exploring various business models, including lending partnerships with banks and consumer finance companies, to mitigate risks and enhance profitability [10][12]. Group 4: Risks and Challenges - The Huaneng Trust loan fraud case serves as a cautionary tale for the industry, highlighting the risks associated with over-reliance on third-party platforms and inadequate risk management practices [14][15]. - The new lending regulations are expected to challenge traditional financing models, pushing trust companies to adapt their strategies to comply with stricter regulatory requirements [29][30]. Group 5: Future Outlook - The consumption finance trust business is anticipated to continue evolving, with a focus on compliance and proactive risk management becoming paramount for trust companies [29][30]. - The shift towards asset service trusts, particularly in prepayment funding services, is seen as a potential optimal solution for trust companies facing regulatory pressures [30].