近期，多家地方性商业银行集体"瘦身"助贷业务合作。 据贝壳财经记者不完全统计，乌鲁木齐银行、龙江银行、贵阳银行（601997）相继宣布暂停新增互联网 助贷合作业务，吉林亿联银行等多家银行则大幅缩减合作机构数量。 "共债风险"是银行收缩合作机构数量背后的顾虑所在。在《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》（下称"助贷新规"）出炉后，银行就已开始持续缩减腰部以下的合作平台。与 此同时，助贷平台展业压力有所增大。 有业内人士指出，银行之所以"急刹车"，反映出了部分银行此前过于依赖于外部助贷机构而对自身风险 能力的建设有所懈怠。助贷新规对中小银行、助贷平台业务调整的"阵痛"仍将持续一段时间。 01 银行"断舍离"背后 "万无一失"的兜底模式 反成风险隐忧 "我们最大的担忧，是一些中小平台潜在的风险问题。"一位民营银行内部人士表示，其所在的银行今年 以来大幅减少了腰部以下平台合作的数量。目前仍在合作的平台，均是助贷领域的头部平台。 在助贷新规出台之前，作为资金提供方的银行可以从中小平台得到更多的优惠政策。相比于头部平台， 中小型助贷平台向银行收取的费率更低，且部分平台向银行承诺兜底。银行无须过于 ...

近期，多家地方性商业银行集体"瘦身"助贷业务合作。 据贝壳财经记者不完全统计，乌鲁木齐银行、龙江银行、贵阳银行（601997）相继宣布暂停新增互联网 助贷合作业务，吉林亿联银行等多家银行则大幅缩减合作机构数量。 "共债风险"是银行收缩合作机构数量背后的顾虑所在。在《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》（下称"助贷新规"）出炉后，银行就已开始持续缩减腰部以下的合作平台。与 此同时，助贷平台展业压力有所增大。 有业内人士指出，银行之所以"急刹车"，反映出了部分银行此前过于依赖于外部助贷机构而对自身风险 能力的建设有所懈怠。助贷新规对中小银行、助贷平台业务调整的"阵痛"仍将持续一段时间。 银行"断舍离"背后 "万无一失"的兜底模式反成风险隐忧 "我们最大的担忧，是一些中小平台潜在的风险问题。"一位民营银行内部人士表示，其所在的银行今年 以来大幅减少了腰部以下平台合作的数量。目前仍在合作的平台，均是助贷领域的头部平台。 在助贷新规出台之前，作为资金提供方的银行可以从中小平台得到更多的优惠政策。相比于头部平台， 中小型助贷平台向银行收取的费率更低，且部分平台向银行承诺兜底。银行无须过于担忧助贷 ...

向哈啰"臻有钱"借款14500元，合同贷款年利率约定为6%，最后一算账，用户实际支付利率却高达 22.98%。用户投诉无果后，将哈啰"臻有钱"告到法院。大众新闻持续关注的这一纠纷案例，有了新进 展。日前，哈啰"臻有钱"提出和解方案：用户撤诉就一次性支付补偿金2112.83元，但需严格保密，泄 露给媒体等要赔偿违约金10万元。 日前，浙江湖州黄先生向大众新闻反映，他于今年1月23日在哈啰"臻有钱"平台借款14500元，借款合同 约定年化利率为6%，实际还款时，却接近23%。黄先生查询发现，在借款时，哈啰"臻有钱"还嵌套了 《融资咨询服务合同》《委托担保合同》等多个重要协议，致使借款成本增加。 黄先生说，在与平台方面沟通中，对方以协议签署即为认可约定为由，拒绝退还共计2503.16元的担保 费及融资担保咨询服务费。无奈之下，黄先生将哈啰"臻有钱"平台运营方——上海哈啰普惠科技有限公 司及相关合作单位起诉至哈密市伊州区人民法院。 针对黄先生反映的事件，11月25日，大众新闻记者以用户身份致电哈啰"臻有钱"客服时，工作人员表 示，哈啰"臻有钱"只是一个助贷平台，在用户借款过程中，平台不会介入。 11月27日，在法院的 ...

Core Insights - The financial technology sector is experiencing changes and trends following the implementation of strict regulations, with companies adapting their strategies to navigate the new landscape [1][5]. Revenue and Profitability - The overall revenue of the six listed fintech companies showed steady growth, with Q3 revenue led by Qifu Technology at 5.21 billion yuan, a year-on-year increase of 19.1% [3]. - However, profitability exhibited significant divergence, with some companies experiencing a reverse correlation between revenue and net profit, influenced by new regulations and risk management strategies [3][4]. Market Dynamics - The concentration of funds among leading platforms is evident, with Qifu Technology holding the highest loan balance of 138.1 billion yuan, followed by other companies like Lexin and Xinye Technology [4]. - The new regulations are expected to accelerate the exit of smaller platforms, leading to increased market share for larger institutions and a clearer industry hierarchy [4][9]. Regulatory Impact - The introduction of the new lending regulations on October 1 has prompted companies to shift their capital models, with some moving towards heavier capital models to adapt to the changes in fee structures and compliance costs [5][6]. - The regulations require banks to unify various fees into a comprehensive financing cost, strictly capping it at an annualized rate of 24%, which has significant implications for the industry [5][9]. Strategic Responses - Companies are focusing on ecological layouts and enhancing risk management frameworks to cope with market changes, with Lexin reporting a 11.8% increase in service revenue from its installment e-commerce platform [6][7]. - International expansion is becoming a key growth area, with companies like Xinye Technology and Jiayin Technology seeing significant growth in overseas markets [6][7]. Future Outlook - The industry is expected to face short-term pressures but is viewed as entering a phase of high-quality development driven by compliance and operational efficiency [8][9]. - The emphasis on refined operations and technology integration, particularly AI applications in risk control and customer service, is seen as crucial for future growth [10].

Core Insights - The overall revenue of the six listed fintech companies showed steady growth, but profitability exhibited significant divergence, with some companies experiencing a reverse trend between revenue and net profit [3][4][6] - The implementation of new regulations has led to a concentration of resources among compliant leading firms, while smaller institutions face increased compliance costs and reduced collaboration opportunities [6][10] Revenue Performance - Q3 revenue figures indicate that Qifu Technology led the industry with 5.21 billion yuan, a year-on-year increase of 19.1%, while other companies like Xinye Technology and Yirendai reported revenues between 1.96 billion to 3.49 billion yuan, with growth rates ranging from 1.8% to 23.9% [3][4] - Conversely, Lexin's revenue decreased to 3.42 billion yuan year-on-year [3] - Net profit trends were more complex, with Qifu Technology's net profit declining despite revenue growth, and Yirendai also showing a decrease in net profit [3][4] Market Dynamics - As of the end of September, Qifu Technology held the largest loan balance at 138.1 billion yuan, followed by Lexin and Xinye Technology, indicating a clear trend of resource concentration among leading platforms [4][6] - The new regulations are expected to further enhance market concentration, with leading firms gaining more market share as smaller platforms exit the market [4][6] Regulatory Impact - The new lending regulations, effective from October 1, have begun to influence the industry, pushing resources towards compliant firms and increasing operational challenges for smaller institutions [6][10] - The regulations require banks to unify various fees into a comprehensive financing cost, strictly capping it at an annualized rate of 24% [6][10] Strategic Adjustments - Companies are shifting their business models in response to the new regulations, with some moving towards a heavier capital model while others are enhancing their ecosystem strategies [6][7] - Lexin's ecosystem strategy has shown resilience, with significant growth in its installment e-commerce platform and a focus on small and micro customer segments [7][8] International Expansion - Several companies are actively pursuing international growth, with Xinye Technology reporting that 25% of its total revenue now comes from overseas, and other firms like Yirendai and Qifu Technology also exploring opportunities in Southeast Asia and other regions [7][8] Future Outlook - The industry is expected to face short-term pressures due to ongoing adjustments, but there is optimism for long-term sustainable growth as companies enhance risk management and operational efficiency [10][11] - The focus is shifting from rapid expansion to refined operations and technological empowerment, with AI applications becoming increasingly integral to business strategies [10][11]

息费披露做"加法"：多维度、更透明 记者从多家平台获悉，近期监管拟进一步推动网贷息费披露规范，拟强制披露的息费分为"确定性息 费"和"或有息费"两大类别，目前已有包括蚂蚁、美团、京东在内的7家平台开启息费改造试点。 "申请10万元贷款，不仅能看到明确的利息和担保费，连逾期、提前还款等或有息费都要标注清晰。"某 头部助贷平台内部人士告诉记者，在监管的多轮调研推动下，经过前期多个平台的沟通和试点，互联网 个人贷款业务综合融资成本的公开披露即将有章可循。 国家金融监管总局发布的《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》（简 称"助贷新规"）实施近两个月，助贷行业正经历一场深刻的"加减法"重塑。 近日，上海证券报记者从多家平台获悉，监管将进一步推动网贷息费披露规范，在息费披露上做"加 法"：拟强制披露的息费分为"确定性息费"和"或有息费"两大类别，目前已有蚂蚁、美团等7家头部平台 率先试点，以堵住隐性息费漏洞。 与此同时，自助贷新规实施以来，资金端的合作"减法"同步显现，龙江银行、乌鲁木齐银行等中小银行 密集收缩助贷合作，行业风险防控导向愈发清晰。这场双向调整，正推动助贷行业从规模扩张向质效提 升转 ...

Group 1 - The core issue highlighted is the illegal practices in the loan assistance and insurance sectors, where criminal groups exploit vulnerable individuals through fraudulent "rights protection" services and "insurance refund" schemes [1][3][5] - A recent court ruling in Shanghai has classified the actions of a criminal gang as extortion rather than fraud, marking a significant legal precedent in addressing illegal rights protection activities in the loan industry [3][4] - The criminal gang led by Zeng Moupeng was found to have illegally obtained personal information and used coercive tactics to extort financial institutions, resulting in significant financial losses [3][6] Group 2 - In the insurance sector, a similar case involved a gang that created false advertisements for full insurance refunds, charging clients fees while systematically fabricating evidence to pressure insurance companies [5][6] - The court recognized the involvement of ordinary policyholders in the criminal activities, establishing that anyone participating in evidence fabrication and coercive complaints could be held criminally liable [5][6] - The tactics employed by these criminal organizations specifically target financially vulnerable groups, such as the elderly and individuals with poor credit histories, exploiting their lack of financial knowledge [8][9] Group 3 - Common scams related to credit repair include fabricating credit issues, charging high fees for unfulfilled promises, and misleading individuals into believing they can learn credit repair techniques through fraudulent training programs [9][10] - The Ministry of Public Security has clarified that any claims of paid credit repair services are fraudulent, emphasizing that no entity has the authority to alter accurate credit records [10]

Core Viewpoint - Increasingly, small and medium-sized banks are distancing themselves from partnerships with lending platforms, primarily due to compliance risks associated with internet lending practices [1][2]. Group 1: Changes in Collaboration with Lending Platforms - Many small and medium-sized banks plan to significantly reduce the number of lending institutions they collaborate with, retaining only a few top-tier platforms [1]. - Some banks have already begun to "cut off" lending business, with Urumqi Bank announcing the cessation of cooperative personal internet consumer loans as of October 1 [1]. - The implementation of the new regulations on internet lending has prompted banks to reassess their partnerships, leading to a trend of "cutting" lending business to mitigate compliance risks [1][2]. Group 2: Compliance Risks and Regulatory Environment - The new regulations have revealed that some lending platforms continue to offer loans with annual interest rates between 24% and 36%, raising concerns among banks about potential regulatory penalties [2]. - Banks are increasingly worried about compliance risks associated with lending platforms, leading them to wait for existing contracts to expire before discontinuing partnerships [2][3]. - Regulatory scrutiny has intensified, with banks facing detailed checks on compliance processes, including potential violations related to bundled services and hidden fees [3]. Group 3: Impact on Lending Business - The decision to cut lending partnerships has resulted in a significant drop in business volume for lending institutions, with reports indicating a decrease of over 20% in October [4]. - The success rate of loan collection efforts has also declined, with the M1 collection success rate dropping to 70%, leading to an increase in potential bad debt rates [4]. - As a result of these challenges, lending institutions are restructuring their risk management systems to focus on borrower repayment capabilities and intentions [4][5].

Core Insights - The rapid growth of the internet lending market in China has reached nearly 10 trillion yuan by June 2025, becoming a crucial financing channel for small and micro enterprises, individual businesses, and urban and rural residents [1] - The implementation of the new regulations aims to transition the internet lending industry from "wild growth" to "compliance-driven" practices, addressing issues such as opaque fees, exorbitant interest rates, and imbalanced risk control responsibilities [1][2] - Recent reports indicate a resurgence of predatory lending practices, including high annualized rates exceeding 2000%, which could exacerbate financial risks for consumers and disrupt the normal operations of financial institutions [1][2] Regulatory Framework - The new regulations require commercial banks to enhance centralized management responsibilities and strictly control comprehensive financing costs [1] - A governance system is proposed that emphasizes regulatory transparency, institutional self-discipline, technological intelligence, and efficient judicial processes to systematically prevent the recurrence of lending irregularities [2] Technological Solutions - The establishment of a "full-process intelligent risk control + regulatory technology empowerment + consumer protection digitalization" system is recommended to accurately identify and intercept illegal lending activities in real-time [2] - Preemptive measures include using OCR and AI technologies to verify the compliance of lending institutions and prevent misleading advertising practices [2] - Real-time monitoring of loan contracts and payment pages is suggested to detect and alert users about hidden fees and other irregular charges [2][3] Accountability and Oversight - Financial institutions are urged to rigorously assess lending agencies and ensure compliance with the new regulations, focusing on their financial health and risk management capabilities [4] - A digital regulatory platform is proposed to enhance the effectiveness of financial oversight, utilizing advanced technologies to monitor risks in the lending sector [4] Collaborative Efforts - A multi-faceted approach involving regulatory bodies, financial institutions, technology companies, consumers, and media is essential to combat illegal lending practices effectively [5] - Emphasis is placed on coordinated efforts across various governmental departments to address issues such as excessive intermediary fees and predatory lending behaviors [5] - The goal is to balance strict compliance with inclusive practices, ensuring that financial services return to their core purpose of supporting the real economy and consumers [5]

Core Viewpoint - The article highlights the increasing prevalence of financial "black and gray industries" under the guise of "debt optimization," "credit repair," and "anti-collection," which pose significant threats to consumer rights and financial market order [1][3] Group 1: Case Overview - A recent case in Changning District involved the successful crackdown on an information infringement and extortion case, marking the first time illegal "rights protection agents" in the lending sector were classified as extortion [1][2] - The criminal group, led by Zeng Moupeng and others, illegally obtained personal information and extorted financial platforms, with the total amount involved exceeding one million yuan [2][3] Group 2: Law Enforcement and Corporate Collaboration - The collaboration between law enforcement and financial technology companies, such as Xinfly Technology, has proven effective in combating financial black and gray industries [3][4] - Xinfly Technology established a special task force to monitor and report suspicious complaints, leading to the identification of high-risk activities and subsequent police involvement [1][3] Group 3: Technological Innovations - Xinfly Technology has developed an intelligent risk control system that utilizes artificial intelligence and machine learning to detect abnormal behaviors and potential risks [4] - In 2024, the company captured over 10,000 fraud-related leads and identified more than 6,000 cases of black and gray industry activities, demonstrating its commitment to consumer protection and financial security [4] Group 4: Future Directions - The company aims to strengthen its anti-fraud defenses through technology and collaboration with law enforcement and financial institutions, maintaining a high-pressure stance against black and gray industry activities [4]