5月15日,东融科技集团董事长胡玉建、第二大区总经理李宁一行赴济南分公司视察并指导工作。 会议现场 围绕济南分公司2025年发展目标,胡玉建对济南分公司的伙伴们提出了两点要求:一方面要聚焦业绩攻坚, 确保月度及年度目标高质量达成;另一方面要服务好客户,深化口碑建设,要求全员恪守"诚实做人,感动客 户"的核心价值观,以匠人精神打磨每项服务细节,严守合规经营底线,通过提升服务品质构筑百年基业。 济南分公司职场环境一角 董事长胡玉建一行与济南分公司管理层合影 胡玉建一行出席了济南分公司的员工大会。会上,胡玉建对济南分司全体同仁饱满的精气神表示了充分 肯定,并回顾了济南分公司自2022年成立以来的发展历程。他指出,济南分公司作为集团战略布局的重要 支点,成立不久就实现了连续10个月超额完成月度任务的亮眼成绩。期待济南分公司能够在业绩上再创 新高,为集团在济南地区的发展贡献更多力量。 董事长胡玉建在会议上讲话 胡玉建分享到,成熟行业普遍具备强势品牌、寡头型企业及行业标准三大特征,而当前助贷行业尚处"百花 齐放"的早期发展阶段,市场占有率低、标准化程度不足等问题虽然一定程度上制约行业的发展,但也为东 融提供了打造头部品牌 ...

Core Viewpoint - The resurgence of campus loans has led to significant financial distress among university students, with many falling into debt traps due to high-interest loans and aggressive collection practices [1][4][9]. Group 1: Loan Practices and Impact - Many students are lured into taking loans through targeted marketing on e-commerce and social platforms, often resulting in annual interest rates exceeding 24% [4][9]. - A significant number of students report being overwhelmed by relentless collection calls, which severely disrupts their academic and personal lives [3][4]. - The phenomenon of students signing non-student declarations to obtain loans highlights the challenges in accurately identifying borrowers [7][8]. Group 2: Regulatory Environment - Despite regulations prohibiting loans to students, some lending institutions continue to target this demographic, often using loopholes to bypass restrictions [6][9]. - Regulatory bodies have issued multiple notifications to prevent lending to students, emphasizing the need for financial institutions to adhere to risk management protocols [4][10]. Group 3: Risk and Compliance Issues - The lending practices of some institutions pose both compliance and ethical risks, particularly for students without stable income sources, leading to potential over-borrowing [5][9]. - Many lending platforms lack effective identity verification processes, making it difficult to prevent loans to students [10][11]. - The drive for profit in the student loan market has led to some institutions engaging in questionable practices, including hidden fees and high-interest rates [9][10]. Group 4: Recommendations for Improvement - Financial institutions are encouraged to enhance identity verification technologies and implement stricter controls on lending practices to mitigate risks associated with student loans [10][11]. - There is a call for better management of partnerships with third-party platforms to ensure compliance with regulations and protect vulnerable student borrowers [10][11].

Core Viewpoint - The new regulations issued by the National Financial Supervision Administration aim to enhance the management of internet lending services by commercial banks, targeting long-standing issues in the industry such as the "dual guarantee" model and ensuring compliance with risk pricing and cost transparency [1][2][3]. Group 1: Regulatory Changes - The new regulations, effective from October 1, require banks to avoid partnerships with non-compliant institutions and to implement differentiated risk pricing [1][2]. - Banks must accurately understand the actual fees charged by credit enhancement service providers to ensure that the comprehensive financing costs for borrowers do not exceed the legal protection limit of 24% annual interest [2][3]. - The regulations will eliminate the "dual guarantee" model, which has allowed some platforms to inflate effective interest rates through additional fees [3][4]. Group 2: Market Reactions - Following the announcement of the new regulations, lending platforms are rapidly adjusting their business models, with many smaller institutions racing to comply before the transition period ends [1][8]. - Some banks are tightening their funding strategies and increasing scrutiny over the lending platforms they partner with, moving away from the previous "easy profit" model [5][6]. - The implementation of a whitelist for compliant lending institutions will raise the entry barriers for smaller platforms, leading to a potential industry consolidation [4][10]. Group 3: Industry Impact - The new regulations are expected to lead to a significant reshaping of the lending landscape, with smaller, non-compliant platforms likely to be phased out [10][11]. - Major players in the market, such as Ant Group and JD.com, are positioned to benefit from the regulatory changes due to their established compliance mechanisms, while smaller platforms may struggle to adapt [10][11]. - The shift towards self-operated channels by banks is anticipated as a strategy to regain control over compliance and reduce reliance on third-party platforms [11].

4月21日上午,以"助贷向善"为主题的东融科技集团第十届口碑日活动在集团总部隆重举行,东融科技集团 董事长胡玉建携总部高管及苏州地区分公司管理层出席了活动。上海、天津、南京、杭州、苏州、青岛 等全国20余个城市分公司同步举办。 在口碑之星颁奖环节中,苏五分公司孙德明作为获奖代表现场分享了对口碑价值观的理解与践行。他表 示,真正的口碑,是用真诚的态度打动客户,用极致的服务为客户解忧。 活动开始,东融科技集团董事长胡玉建发表主旨讲话。他回顾了口碑日的创立背景以及集团过去在合规 经营与口碑建设上的坚守。他分享到,通过两次战略性转型,集团持续优化客户服务体系,实现了客诉量的 大幅下降。他表示,自己始终坚持亲自关注每一条客户投诉,力求从机制、流程、制度等根本层面彻底解 决问题。东融将继续坚守合规底线,以客户需求为导向,以"利他之心"服务客户,提升服务效率和客户体验, 推动行业健康可持续发展。 随后,参加会议的全员进行了庄严的宣誓仪式,承诺以客户为中心,以合规为底线,诚信服务,坚持做好人、 干正事、有原则、守底线,为助贷行业的健康发展贡献力量。 本次口碑日活动是一次对集团"诚实做人,感动客户"核心价值观的深化,未来,东融 ...

Core Viewpoint - The introduction of the "Loan Assistance New Regulations" marks the first time that "assistance loan" business is explicitly included in the regulatory framework, establishing its legal status and reflecting a more flexible and operable regulatory approach aimed at boosting consumption while balancing risks and growth [1][3]. Regulatory Framework - The new regulations emphasize a 24% interest rate cap, which is seen as a critical measure to prevent high-risk clients from entering the financial system, with a warning that clients in the 36% interest rate category may have default rates exceeding 60% [3][4][5]. - The regulations aim to eliminate the phenomenon of "bad money driving out good" and prevent platform arbitrage, ensuring a healthy market clearing process [5][10]. Impact on Industry - The 24% interest rate cap is expected to significantly impact the profitability and business scale of all loan assistance platforms, particularly those relying on high-interest rates to cover high-risk clients [5][9]. - Institutions will need to reassess and adjust their business models to comply with the new regulations, focusing on a more sustainable risk-reward balance [5][11]. Compliance and Operational Changes - The regulations require that banks and loan assistance platforms ensure that all fees are transparent and that the total financing cost remains below the 24% threshold [6][9]. - A "not compliant, then banned" principle is introduced, allowing for innovation as long as it adheres to regulations, with strict penalties for any structures that increase client burdens without proper disclosure [7][10]. Future Outlook - The new regulations are expected to lead to a reduction in the number of loan assistance institutions, particularly those unable to meet compliance requirements, thereby increasing industry concentration [11]. - The focus will shift towards compliance management, consumer protection, and the development of products that align with regulatory expectations and market demands [11].

Core Viewpoint - The financial technology companies focused on internet lending are facing challenges due to increasing regulatory scrutiny, with a notable performance disparity among major players in terms of revenue and net profit [1][4]. Group 1: Company Performance - Six major listed financial technology companies reported a total revenue of nearly 62 billion yuan, with all showing an upward trend [2]. - Among these, Qifu Technology, Lexin, and Xinye Technology each exceeded 10 billion yuan in revenue, with Qifu Technology leading at 17.166 billion yuan [2]. - The second tier, including Xiaoying Technology, Yiren Zhike, and Jiayin Technology, had revenues around 5 billion yuan, with Xiaoying Technology at 5.872 billion yuan [2]. - Revenue growth rates varied, with Xiaoying Technology and Yiren Zhike showing double-digit growth at 21.95% and 18.59%, respectively [2]. Group 2: Net Profit Analysis - Qifu Technology achieved a net profit of 6.264 billion yuan, significantly higher than the other five companies, which did not exceed 2.5 billion yuan [3]. - The net profit growth rate showed clear differentiation, with Qifu Technology leading at 46.18%, followed by Xiaoying Technology at 29.77% [3]. - Jiayin Technology and Yiren Zhike experienced declines in net profit, with decreases of 18.64% and 23.94%, respectively [3]. Group 3: Loan Performance - The six companies facilitated nearly 1 trillion yuan in new loans, with Qifu Technology leading at over 320 billion yuan [3]. - The growth rate of new loans for leading companies has slowed, with Qifu Technology and Lexin both experiencing declines of over 12% [3]. Group 4: Regulatory Changes - The National Financial Regulatory Administration issued a notice to strengthen the management of internet lending by commercial banks, effective from October 2025 [5]. - The new regulations aim to address issues such as mismatched responsibilities and unreasonable pricing mechanisms in internet lending [5][6]. - The regulations will likely favor larger platforms with stronger compliance and risk management capabilities, potentially leading to increased market concentration [6][7].