根据网贷法规相关规定，P2P平台作为信息中介服务机构，其法律定位是借贷交易的撮合方而非债务主 体，与出借人之间不构成直接的债权债务关系。因此，当出借人针对合规经营的平台提起诉讼时，司法 机关通常会依据该法律关系认定平台无需承担还款责任，从而导致出借人败诉。近期，湖北省某中级法 院受理了一起涉及网贷平台的合同纠纷案的再审案件。出借人邓某对湖北某市法院作出的民事判决不 服，委托其外甥女熊某向湖北中院申请再审与玖富普惠公司合同纠纷一案。 相关诉讼案由： 出借人邓某与玖富普惠平台民间合同纠纷一案，因不服湖北某市法院的民事判决，委托外甥女熊某向湖 北中院申请再审与玖富普惠公司民间借贷纠纷一案。申请人从电子签名与数字证书的真实性、网络借贷 信息中介服务机构资质、《出借咨询及管理服务协议》等核心证据的真实性、资金存管与担保事实认定 的完整性，以及利息计算与费用承担的正确性等方面，向湖北省某中级法院提出再审申请。 湖北省中院经审查认为，本案的焦点是双方当事人之间属于居间服务合同关系还是民间借贷关系。依据 查明的事实：出借人与玖富普惠签订《出借咨询及管理服务协议》，再将出借资金按照合同约定支付到 个人存管账户内。出借人作为主动 ...

【文/羽扇观金工作室】 中国网贷企业进军印度时携带的核心武器，是一套经过国内市场反复验证的技术体系。大数据风控模型 可以通过消费记录、社交关系和行为轨迹对借款人进行精准评估，人脸识别和活体检测技术能够有效防 范身份欺诈，配合高强度催收形成商业闭环。这套打法在中国现金贷市场运行多年，支撑起了一个年规 模数千亿元的行业。 然而，印度市场的真实情况迅速让这套技术体系失去作用。 2019年前后，在中国现金贷监管风暴中寻找出路的金融科技企业，将目光投向了南亚次大陆。 印度，这个拥有超过14.5亿人口、近9亿互联网用户，但银行金融覆盖率不足50%、信用卡渗透率不到 5%的广阔市场，被视为一片未经开垦的"网贷圣地"。 据AppsFlyer数据显示，印度是2020年亚太地区贷款应用安装量最大的国家。怀揣着成熟的算法模型和 对巨额利润的憧憬，中国网贷企业自信地开启了这场他们认为的"降维打击"之旅。 更关键的是，印度当时对贷款年化利率缺乏明确限制，各类手续费名目繁多，这让习惯了国内"砍头 息"模式的从业者嗅到了熟悉的味道。 然而，再优秀的风控算法工程师也打不过超4.5亿人口无任何征信记录的现实，当高效的催收体系面对 22种官方语 ...

金融市场犹如变幻莫测的海洋，时刻涌动着投资与经济政策的波澜，深刻影响着全球经济的走向。在 此，喜娜AI为您呈上今日财经热点新闻，全方位覆盖股市动态、经济数据、企业财务状况以及政策更 新等关键领域，助您精准洞察金融世界的风云变幻，把握市场脉搏。 中国网贷公司在印度全军覆没，坏账率高达80% 前些年，国内网贷企业想在印度复制成功模式，却遭遇惨败。印度语言不通使催收困难，起诉流程漫 长，坏账率飙到80%以上。此外，印度央行出台严格监管新规，大批中资平台因不符合合规要求和高坏 账率，只能陆续退出印度市场，即便印度有较大的网贷市场潜力也难以改变现状。详情>> 国内ETF总规模首破6万亿，中证A500成年末冲刺"带头大哥" 12月最后冲刺周，国内ETF总规模单周暴增2004亿元，首次突破6万亿元。其中，股票型ETF扛起大 旗，债券型ETF规模也首破8000亿元。中证A500指数挂钩的ETF表现突出，12月单月规模暴增1066亿 元，还带动了沪深300、中证500和中证1000等产品规模增长。前7家头部机构中6家单周规模破百亿元， 南方、华夏基金表现亮眼。详情>> 沪指9连阳创纪录，多板块活跃市场现分歧 12月29日，沪指 ...

2020 年前后，国内现金贷监管的紧箍咒越收越紧，那些靠 "高息短贷" 赚得盆满钵满的网贷大佬们，把目光投向了南亚次大陆 —— 印度。彼时的德里、孟 买街头，中资网贷平台的广告贴着满墙，APP 下载链接顺着 WhatsApp 疯传，有人喊出 "印度是下一个现金贷金矿"，某平台甚至放出 "首月放贷破亿卢比" 的捷报，让更多资本揣着 "复制国内神话" 的野心扎了进来。没人想到，短短两年后，这些平台会以 80% 的坏账率、全员撤离的结局，在印度市场留下一地 鸡毛。 当初，印度是明晃晃的 "网贷天堂" 大佬们扎堆闯印度，不是拍脑袋的赌局 —— 这片市场的 "赚钱基因"，几乎踩中了网贷行业的所有痒点： 彼时的中资平台们信心满满：把国内 "快速放贷 + 暴力催收" 的流程照搬过来，稳赚不赔。 现实：从 "割韭菜" 到 "被反收割"，踩中所有死穴 2. 印度有 22 种官方语言、数千种方言，催收团队备足的英语、印地语脚本，碰到泰米尔纳德邦的用户，对方说的方言能让催收员彻底懵圈；上门催收 时，拿着中文模板改的 "还款警告函"，当地人看都不看就扔在路边 —— 语言不通，让 "催收" 成了鸡同鸭讲的无用功。 3. 司法泥潭：要钱 ...

这么看，走在街上的哪还是印度人，分明是一茬茬新生的韭菜。面对这种情况，中国网贷公司的眼睛都快冒绿光了。 在国内靠网贷赚得盆满钵满的企业，前些年把主意打到了印度市场，本想复制国内的"成功模式"去印度大赚一笔，结果却被印度人来了个"反收 割"，最后亏得一塌糊涂只能狼狈撤离。 把贷款当做现金补贴，把金融黑产当成是扶贫干部，印度这个国家竟然能把中国网贷机构反复收割。无论你是杀猪盘、杀鱼盘，还是杀鸟盘，砍 头息、套路贷，还是高利贷，但凡进了印度，就别想再看见回头钱。 那么问题来了，中国网贷当初为什么要选择印度呢？ 就市场潜力而言，超14亿人口，6亿多的手机用户，但银行金融覆盖率不足50%，信用卡的渗透率更是不到5%，活脱脱的一个网贷圣地。 更绝的是，印度法律没有明确贷款年化利率的上限，而且当地海允许人工审核等手续费的存在。也就是说，放贷人完全可以通过提高前期费用率 的方式变相的抬高利率，这就很像之前国内现金贷的时候流行的砍头息。 所以，在印度放贷年化利率就可以很轻松地被抬到百分之七八十，如果真的遇到急用钱的人，年化两三百的高利贷也能走得通。 还有值得一提的是，印度有22种官方语言和数千种方言，催收团队准备的英语和印地语 ...

Core Viewpoint - QiFu Technology, a credit platform under Zhou Hongyi, has seen its stock price drop nearly 20% in two trading days, with a market value of less than $2.4 billion, down over 60% from its historical high in March this year, primarily due to disappointing financial results [2] Financial Performance - In Q3, QiFu Technology reported total revenue of 5.2 billion yuan, roughly flat from the previous quarter, but up 19% year-on-year [2] - The company experienced a net profit decline of approximately 20% year-on-year and quarter-on-quarter, attributed to the expansion of its heavy asset credit business, increased risk exposure, and rapidly rising expenses [2][6] - The revenue from credit services reached nearly 3.9 billion yuan, a year-on-year increase of over 34%, contributing 75% to the company's total revenue [3] - The financing income (loan interest) was 2.3 billion yuan, up 35% year-on-year, while the income from the release of guaranteed liabilities exceeded 900 million yuan, a nearly 15% increase [3] User Growth and Loan Volume - As of the end of September, QiFu Technology had 62.1 million users with approved credit limits, a 13% year-on-year increase, and 38.1 million successful withdrawal users, a 15% year-on-year increase [3] - The total loan volume facilitated by QiFu Technology reached 83.3 billion yuan, a 1% year-on-year increase, with an outstanding loan balance of 138.1 billion yuan, up 8% year-on-year [3] Challenges in Light Asset Business - The light asset business, which provides credit matching and solutions, generated 1.3 billion yuan in revenue, down nearly 9% year-on-year and almost 19% quarter-on-quarter [4] - Revenue from loan matching services for financial institutions halved to 260 million yuan, reflecting a cautious lending environment [4] Increased Costs and Risk Exposure - Total costs and expenses reached 3.5 billion yuan, a significant increase of 68%, outpacing revenue growth [6] - The company reported a provision for bad loans of 838 million yuan, up 75% year-on-year, indicating increased credit risk [6] - The first-day overdue rate was approximately 5.5%, up from 4.6% a year earlier, signaling rising default risks [6] Future Outlook and Compliance Challenges - QiFu Technology plans to prioritize risk control and adopt a cautious approach in its business planning for the upcoming quarters, with projected Q4 net profit expected to decline by 39% to 49% year-on-year [5] - The company faces ongoing compliance challenges, including user complaints about aggressive collection practices and regulatory scrutiny in the online lending industry [10][11]

Core Insights - The implementation of the new regulations on internet lending, referred to as the "Assisted Lending New Regulations," has led to significant adjustments in the industry, with banks and financial institutions increasingly withdrawing from high-risk users and high-interest platforms [1][7] - The regulations have established a "white list + interest rate red line" framework, which aims to standardize internet lending practices and eliminate high-interest loan operations [1][7] - The new regulations have resulted in a market restructuring, with a focus on compliance and a reduction in high-interest lending, particularly affecting small and low-credential lending institutions [1][7][8] Summary by Sections Implementation and Impact - The new regulations have been in effect for over half a month, prompting banks to clear out high-risk users and high-interest lending practices [1] - Financial institutions are now focusing on compliant medium to large lending institutions, with a significant reduction in the space for high-interest loans [1][7] White List Management - Commercial banks are required to manage platform operators and credit enhancement service providers through a white list system, prohibiting collaboration with unlisted entities [2][3] - Major platforms like Ant Group, JD.com, Douyin, and Meituan dominate the white list, benefiting from their comprehensive service offerings and stronger compliance compared to smaller platforms [2] Interest Rate Regulations - The new regulations emphasize a compliance interest rate cap of 24%, with many platforms adjusting their displayed interest rates to align with this limit [4][5] - The regulations have effectively ended practices that previously allowed for higher interest rates through bundled fees and other means [4][5] Industry Restructuring - The regulations have led to a significant reshaping of the industry, with a higher entry threshold for lending institutions and the exit of many non-compliant platforms [7][8] - The market is shifting from a focus on high-interest lending to a more technology-driven and service-oriented approach, favoring platforms with robust risk control capabilities [7][8] Challenges for Smaller Banks - Regional small banks face challenges in expanding their customer base and improving risk management capabilities, relying heavily on external platforms for lending [8][9] - There is a risk that these banks may become overly dependent on external risk control models, potentially leading to increased loan defaults [9]

Core Viewpoint - The article emphasizes the need for vigilance against illegal "campus loans" that target students, highlighting the deceptive practices used by illicit lending institutions and the importance of collaborative efforts to protect students [1][2]. Group 1: Nature of Illegal Campus Loans - Illegal "campus loans" often disguise themselves under various forms such as "training loans," "beauty loans," "leaseback loans," "order-filling loans," and "job-seeking loans," making them highly misleading [1]. - Unscrupulous lending institutions exploit students' lack of financial knowledge and experience, often presenting contracts with inflated amounts compared to the actual funds received [1]. - These institutions lure students with promises of "no collateral, high limits, and low interest rates," encouraging excessive and impulsive borrowing [1]. Group 2: Recommendations for Stakeholders - Universities should enhance campus network security, filter illegal advertisements, and establish a warning mechanism to monitor online information effectively [2]. - Financial regulatory bodies need to strengthen oversight of financial activities among students to create a safe and healthy environment [2]. - Law enforcement should intensify efforts to combat financial fraud targeting students and establish specialized teams for prevention and response [2]. Group 3: Student Responsibilities - Students are advised to develop a rational consumption mindset, plan their expenses wisely, and avoid impulsive borrowing [2]. - Before applying for loans, students must thoroughly read contracts to understand loan amounts, interest rates, and repayment terms [3]. - In case of encountering illegal lending practices, students should remain calm, report to authorities, and gather evidence to protect their rights [3].

Core Viewpoint - The Beijing Financial Regulatory Bureau has issued a consumer risk warning regarding illegal "campus loans," highlighting four main deceptive practices used by illicit lending institutions [1][4]. Group 1: Deceptive Practices - Illicit lending institutions disguise "campus loans" under various names such as "training loans," "beauty loans," "rent-back loans," "order-filling loans," and "job-seeking loans," making them highly misleading [4]. - Some institutions exploit students' lack of social experience by having them sign contracts with inflated amounts compared to the actual funds received, or by tricking them into signing blank contracts that are later filled with unfavorable terms [4]. - These institutions lure students with claims of easy loans requiring only an ID and student card, promoting "no collateral, high limits, and low interest rates," which encourages excessive and impulsive borrowing [4]. - Once students fall behind on payments, they face aggressive collection tactics, including threats and harassment, leading to severe personal safety concerns [4]. Group 2: Recommendations for Students and Parents - Students and parents are advised to adopt a rational consumption mindset, practicing frugality and planning expenses to avoid overspending [5]. - It is recommended to seek financial assistance through legitimate channels, such as discussing needs with parents and applying for student loans or scholarships from schools or licensed financial institutions [5]. - Consumers should enhance their self-protection awareness by safeguarding personal information, avoiding unauthorized agreements, and thoroughly reviewing loan contracts to ensure legality and fairness [5]. - In case of falling into illegal "campus loan" traps, it is crucial to remain calm, inform parents and teachers, keep evidence of transactions and communications, and report to authorities for legal recourse [5].

Core Viewpoint - The newly issued "Consumer Rights Protection Regulatory Evaluation Measures" by the National Financial Supervision Administration introduces a five-level classification system for evaluating consumer rights protection in financial institutions, with potential penalties including business suspension for the most serious violations [2][6]. Group 1: Regulatory Framework - The evaluation will be based on seven key standards: "system mechanism," "suitability management," "marketing behavior management," "dispute resolution," "financial education," "consumer services," and "personal information protection," which are more refined and detailed compared to the previous six standards [6][4]. - Financial institutions that do not engage in personal business or have a small proportion of personal business may not be subject to this evaluation [3][4]. Group 2: Evaluation Process - The evaluation process will occur annually, with the evaluation period from January 1 to December 31, and results expected by mid-March of the following year [9][8]. - The evaluation includes several steps: information collection, initial evaluation, re-evaluation, and review, with the possibility of adjusting evaluation results based on significant violations or data inaccuracies [9][10]. Group 3: Consequences of Evaluation Results - Institutions rated 1 or 2A may receive reduced on-site inspection frequency and be prioritized for participation in consumer protection policy trials, while those rated lower may face various regulatory measures, including guidance and potential business restrictions [7][6]. - Institutions rated 4 may be restricted from opening new businesses or branches if they fail to rectify issues, while those rated 5 could face business suspension and accountability for responsible personnel [7][6].