-徐州分公司办公环境一角- -会议现场- -董事长胡玉建一行与徐州分公司管理层合影- 胡玉建对徐州分公司提出两点要求:一、深耕区域市场,锚定业绩攻坚,聚焦突破年度及月度经营目标,确 保目标高质量落地;二、深化"以客户为中心"的服务理念,始终坚持合规经营的原则,践行"诚实做人,感动 客户"的口碑价值观。 5月16日,东方融资网董事长胡玉建、第二大区总经理李宁一行赴徐州分公司视察并指导工作,为区域发展 赋能增效。 视察期间,胡玉建一行参加了徐州分公司的员工大会,会上,他高度评价了徐州作为"准万亿级"经济体的发 展潜力。他强调,徐州助贷市场空间广阔,分公司要紧抓区位优势,持续提升客户服务体验,为集团开拓区域 市场提供有力支撑。 会上,胡玉建在分析行业和集团的发展态势时表示,当前助贷行业还比较早期,标准化体系缺失既是挑战更 是机遇,东融凭借多年深耕已实现"成立时间最久、从业人数最多、覆盖城市最广"的行业领先优势,未来 要持续强化标准化体系建设,通过输出行业服务标准巩固领军地位。他勉励全体员工秉持"干一行、爱一 行"的工匠精神,在客户服务中沉淀口碑,在业务实践中积累势能,实现个人与企业价值的共同成长。 第二大区总经理李 ...

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].

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% ...