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贷款类骚扰电话少了?助贷新规落地实施,业内:征信差的借款人将更难“出额”
Mei Ri Jing Ji Xin Wen· 2025-10-11 16:24
除了规范营销宣传行为,该文件还对平台运营机构、增信服务机构等实施了名单制管理。值得注意的 是,有媒体称新规明确划出年化利率不超过24%的"红线",推动全行业进入产品整改与模式调整的深度 洗牌期。 深圳一家助贷公司人士对记者表示,以前网贷进行规范时,认定24%以上的利率不合法,现在则是一旦 年化利率超过24%就要求银行方面不予合作。该人士表示,虽然年化利率上限降低,但未来网贷抽贷也 可能更容易发生,且更难出额(指贷款平台为借款人提供的一种信用额度)。 助贷新规的核心是"收口" 过去几年,各类贷款电话在消费者耳边此起彼伏,甚至还打着银行的名义宣传产品。这也让很多人产生 疑惑:到底什么是助贷?为什么能打着金融机构的名号?它和网贷平台有何区别? 国庆中秋长假刚过,有消费者可能已经察觉到,以往不堪其扰的各类贷款电话,近几天似乎安静得出 奇。 其实不光是骚扰性的来电,以往刷几个短视频就能见到的 "极速放款""低息贷款"等广告,如今同样少 了许多。 "这主要和助贷新规有关。"一名从业者对《每日经济新闻》记者表示,背后的原因便是在10月1日正式 落地实施的《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》(以下简称 ...
大量助贷平台停发年化利率超24%产品
2 1 Shi Ji Jing Ji Bao Dao· 2025-10-10 12:56
这一个月不仅标志着本年度四季度的开启,更是业内关注已久的"助贷新规"——《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》的实 施首月。新规明确划出年化利率不超过24%的"红线",推动全行业进入产品整改与模式调整的深度洗牌期。 10月,对助贷行业来说,将是一个不寻常的开始。 随着各家银行及其他持牌机构陆续公布合作"白名单",资金与流量资源加速向头部助贷平台集中,未入围的中小机构面临严峻生存挑战。 21世纪经济报道记者调查了解到,为抢占24%以下的优质客群,各大平台纷纷加大投流力度,获客成本持续攀升。与此同时,过去常与借款流程捆绑 的"权益类产品"也在严监管下全面"解绑",行业在合规压力下探索新的盈利模式。 在这场暗流涌动的Q4战役中,交易额下滑、资产质量承压、流量价格高企正在成为助贷机构面临的普遍挑战。 机构投流竞速 10月1日起,助贷行业迎来明确"利率红线":年化利率不得超过24%(记者注:若无特别注明,以下利率均为单利)。 利率红线划定,综合年化利率下调成为助贷机构的首要整改任务。 21世纪经济报道记者调查发现,目前已有大量助贷平台停止投放年化利率超过24%的产品,合规整改效果初步显现。 以"榕 ...
大量助贷平台停发年化利率超24%产品
21世纪经济报道· 2025-10-10 12:52
Core Viewpoint - The implementation of the new regulations in the lending industry, particularly the cap on annual interest rates at 24%, is leading to significant restructuring and challenges for smaller lending institutions as they compete for a shrinking pool of quality clients [1][3][27]. Group 1: Regulatory Changes - The new regulation effective from October 1 mandates that annual interest rates must not exceed 24%, prompting many lending platforms to stop offering products with higher rates [3][11]. - Major platforms have adjusted their offerings, with some like "Rongshu Loan" removing previous interest rate disclosures and now offering rates starting from 7.3% [3][5]. - The compliance adjustments are evident as many platforms now display interest rates within the 24% cap, with some offering rates as low as 3.6% for first-time borrowers [5][11]. Group 2: Market Dynamics - The competition for clients with interest rates below 24% has intensified, leading to increased customer acquisition costs, which have reportedly risen to over 1,000 yuan per user for smaller platforms [11][12]. - The overall transaction volume in the industry is declining, with some smaller institutions experiencing a halving of their transaction volumes due to both passive and active contractions in response to the new regulations [11][12]. - The pressure on asset quality is rising as many platforms are forced to tighten their lending criteria, particularly for clients with lower credit ratings [12][27]. Group 3: Impact on Business Models - The unbundling of "equity products" from the borrowing process is a significant trend, as platforms seek to comply with regulatory scrutiny while exploring new revenue models [13][14]. - Many platforms are now required to separate financial benefits from the borrowing process, which has led to operational challenges and customer complaints regarding refund policies for unused services [16][17]. - The industry is witnessing a clear divide, with larger platforms benefiting from regulatory compliance while smaller institutions struggle to survive amid tightening financial conditions [27][28]. Group 4: Future Outlook - The industry is awaiting further regulatory guidance to clarify compliance requirements and operational standards, which could shape the future landscape of the lending market [29][30]. - There is speculation that clearer self-regulatory policies regarding interest rates and fees will be introduced, providing more specific guidelines for compliance and operational practices [29].
利率红线压顶 助贷行业权益产品暗流涌动
2 1 Shi Ji Jing Ji Bao Dao· 2025-10-10 11:49
在这场暗流涌动的Q4战役中,交易额下滑、资产质量承压、流量价格高企正在成为助贷机构面临的普 遍挑战。 10月1日起,助贷行业迎来明确"利率红线":年化利率不得超过24% (记者注:若无特别注明,以下利 率均为单利) 。 利率红线划定,综合年化利率下调成为助贷机构的首要整改任务。 21世纪经济报道记者调查发现,目前已有大量助贷平台停止投放年化利率超过24%的产品,合规整改效 果初步显现。 以"榕树贷款"为例,此前其小程序上展示的产品年化利率区间为7.2%–36%。而在10月9日本报记者核查 其小程序发现,该APP已删除上述利率说明,在其息费介绍中标注了"1万元借1天利息2元起",折算成 年化利率则是7.3%起。 (原标题:利率红线压顶 助贷行业权益产品暗流涌动) 21世纪经济报道记者 李览青、郭聪聪 10月,对助贷行业来说,将是一个不寻常的开始。 这一个月不仅标志着本年度四季度的开启,更是业内关注已久的"助贷新规"——《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》的实施首月。新规明确划出年化利率不超过24%的"红 线",推动全行业进入产品整改与模式调整的深度洗牌期。 随着各家银行及其他持牌机构陆 ...
助贷新规实施第九天:头部平台收缩高息业务,“月系融担”游击战突进
Di Yi Cai Jing Zi Xun· 2025-10-09 10:07
助贷新规实施一周多时间,头部平台已纷纷将贷款利率压降至24%以下,长期游走于灰色地带的 24%~36%高息业务大幅收缩。 然而,在头部机构退让形成的"真空地带",一类被称为"月系融担"的新型平台开始跑马圈地。它们由同 一主体批量注册数十个高度相似的"马甲"小程序,以3000~5000元的小额借款、仅一个月的超短周期, 瞄准被头部平台"劝退"的高风险客户。第一财经记者调查发现,在看似合规的外表下,平台借贷隐藏着 高额的担保费,并借助频繁更名、租用牌照等手段规避监管,持续"收割"借贷人群。 头部机构收缩战线 国家金融监管总局4月3日发布的《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》 (下称"助贷新规")规定,商业银行应当在合作协议中明确平台服务、增信服务的费用标准或区间,将 增信服务费计入借款人综合融资成本,明确综合融资成本区间。新规已于10月1日起施行。 "月系融担"借机跑马圈地 就在大型助贷平台因新规收缩高息业务之际,一批中小平台迅速涌现,承接那些"无处可去"的客户。一 家小型助贷机构负责人对记者表示,随着大机构逐步清退24%以上利息的借贷业务,市场上涌现出一 批"游离客户",他们多来自县域城 ...
【西街观察】助贷新规“纠偏”
Bei Jing Shang Bao· 2025-10-08 14:11
继P2P之后,互联网助贷也迎来了监管层面的针对性"纠偏"。 但需明确的是,监管整顿助贷业务的决心不容低估,无论是银行还是互联网平台,唯有在合规框架内才 能立足。 尤其要看到,此前年化利率24%以上的贷款需求,多集中于多头共债用户,这类用户资金多用于"以债 养债",既推高自身杠杆率,也让平台风险资产规模不断膨胀,出清这部分客群是防范风险的必然选 择。 与此同时,"双融担""捆绑会员"等乱象还引发了大量消费纠纷,甚至滋生黑产与反催收联盟,而解决这 些问题的关键,正在于新规所强调的"明确成本区间、规范信息披露",把选择权真正还给用户,从源头 降低客诉。 助贷新规踩下的不仅是行业的"纠偏键",更是开启行业高质量发展的"启动键"。 今年"十一",加强商业银行互联网助贷业务管理新规生效,以制度刚性为偏离轨道的助贷业务"踩刹 车",推动互联网贷款从野蛮生长转向合规深耕,为行业健康发展划定方向。 作为支撑银行消费贷快速增长的重要模式,互联网助贷本是科技与金融融合的创新尝试。然而,在利益 驱动下,这一模式逐渐走偏,衍生出诸多问题。 首当其冲便是合规漏洞凸显,部分合作机构以"咨询费""担保费"为名层层加价,甚至通过"双融担""捆 ...
新规落地在即 经济日报:为助贷业务规范发展戴上“紧箍咒”
Zhong Guo Jing Ji Wang· 2025-09-30 12:38
行业尾部机构有望加速出清,利好头部合规机构长期发展。此前,银行无需披露合作机构,部分银行可能通过与不合规机构合作隐性获利。新规下,商业银 行需对合作机构实行名单制管理并公开名单。同时,新规对助贷机构合规性提出要求,若合作机构出现违规行为,银行也将承担连带责任。在此情况下,合 规体系完善的头部机构违规风险更低,市场份额也将进一步向合规业务集中,有利于行业长期健康稳定发展。(经济日报记者彭江) 助贷业务定价机制将更透明。利率是消费者最为关注的指标,也是近些年助贷平台备受争议的焦点。过去,一些平台除了收取借贷利率外,还会向借款人收 取咨询费、会员费等费用,导致借款人最终的融资成本远高于标注的借贷利率。针对上述问题,新规规定,商业银行应当将增信服务机构向借款人收取的增 信服务费计入综合融资成本,明确不得以咨询费、顾问费等形式变相提高增信服务费率。可以预见,穿透式的成本核算和收费透明化,将有效遏制助贷市场 隐性收费乱象。 金融消费者权益将得到更好保护。助贷业务主要服务于个人消费和小微企业、个体工商户。过去,平台诱导过度借贷、暴力催收或泄露用户隐私等现象时有 发生,损害了消费者的财产权、知情权和隐私权。此次新规就加强金融 ...
“名单制”下的助贷变局
Shang Hai Zheng Quan Bao· 2025-09-26 18:27
◎记者 温婷 《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"新规")将于10月1日起施 行。随着新规落地进入倒计时,已有逾20家金融机构(截至9月25日)公布了助贷业务合作名单,以贯 彻新规对于合作机构"名单制管理"的要求。其中,合作机构的"头部效应"明显,高度集中于头部平台, 如蚂蚁智信、支付宝、网商银行等蚂蚁集团关联公司,云瀚信息科技等京东关联公司等;合作模式除了 导流外,还包括联合贷款、担保增信、逾期清收等环节。 "合规调整已是大势所趋,但10月1日不是'临界点'。"多家助贷机构内部人士向上海证券报记者表示, 对于他们来说,名单制与利率限制的行业规则已经明确,更多依赖动态调整。可以确定的是,助贷机构 三四季度的业绩将受到影响,特别是权益类收入占比较大的机构,短期业绩可能迎来阵痛。 逾20家机构晒名单 据记者不完全统计,截至9月25日,已有24家金融机构公示了合作名单。其中,外资银行6家,股份制银 行6家,城商行4家,农商行3家,此外还包括1家民营银行和4家消费金融公司。 从已披露的合作机构数量来看,富邦华一银行披露的合作机构数量超过50家,而渣打银行(中国)、友 利银行(中国)、北 ...
用户信息多次被传到未知平台,融360还有哪些“惊喜”?
3 6 Ke· 2025-09-23 03:33
Core Viewpoint - Recent issues regarding serious information leakage and credit risk at Rong360 have raised public concerns, particularly about the potential impact on partner banks and consumer rights protection [1][12][14] Group 1: Information Leakage and Consumer Rights - Rong360 has been reported for violating the principle of necessity in collecting personal information, leading to significant user complaints about excessive annualized interest rates [1][11] - The platform's user information is shared with multiple third-party companies, raising concerns about unauthorized use and potential identity theft [3][4] - The recent report highlighted that users may unknowingly assume the risk of their personal information being misused after signing agreements with Rong360 [3][5] Group 2: Regulatory Environment and Compliance - The new regulations, effective from October 1, require banks to include guarantee service fees in the total financing cost and enhance consumer rights protection [10][12] - Rong360's partnerships with over 46 major banks necessitate compliance with these new regulations, placing significant responsibility on both Rong360 and its banking partners [10][12] - The regulatory framework emphasizes the need for banks to manage their partnerships with lending platforms effectively to mitigate risks associated with consumer information leakage [12][14] Group 3: Risks to Banking Partners - The potential for credit risk and reputational damage to partner banks exists if Rong360 continues to facilitate connections with unqualified lending platforms [12][14] - The multi-layered referral model used by Rong360 complicates the transparency of loan costs and risks for borrowers, increasing the likelihood of consumer grievances [8][14] - If Rong360 fails to address compliance issues before the new regulations take effect, the sustainability of its partnerships with banks may be jeopardized, leading to possible business interruptions [14]
助贷新规临近,哈啰金融或将“伤筋动骨”
3 6 Ke· 2025-09-18 01:56
Core Viewpoint - The article discusses the challenges and risks faced by Hello's financial service platform "Zhen You Qian" as it approaches the implementation of new lending regulations, highlighting its reliance on a loan facilitation model without direct lending licenses, and the implications of high interest rates and personal data handling practices [2][3][19]. Group 1: Business Model and Regulatory Challenges - Hello has been operating its financial service "Zhen You Qian" for six years but lacks key licenses for direct lending, relying instead on a loan facilitation model [3][19]. - The company has a loan balance exceeding 400 billion yuan, positioning it in the upper-middle tier of the loan facilitation industry [3]. - With the upcoming implementation of the "Lending New Regulations," Hello's current partnerships may be deemed non-compliant if it does not make it onto the "white list" of approved institutions [7][19]. Group 2: Partnerships and Collaborations - Hello collaborates with a wide range of financial institutions, including 16 financing guarantee agencies and around 70 third-party institutions, indicating a broad but complex partnership network [4][5]. - Despite having multiple partnerships, only a few institutions have officially recognized Hello as a compliant partner, raising concerns about the sustainability of its business model [7]. Group 3: Interest Rates and Financial Practices - The platform's annualized interest rates range from 4.9% to 36%, with the latter exceeding the judicial protection limit of 24%, raising ethical and legal concerns [8][10]. - Complaints from users indicate that the total cost of borrowing, including various fees, can significantly exceed the advertised interest rates, leading to accusations of predatory lending practices [11][13][14]. Group 4: Data Privacy and Compliance Issues - Hello has faced scrutiny over its handling of personal data, with reports indicating violations related to the collection and sharing of user information without proper consent [17][18]. - The company has been flagged for not adequately informing users about the extent of data collection and for sharing personal information with numerous third parties [17][18]. Group 5: Future Outlook and Risks - The company's aggressive financial strategies, driven by pressure to achieve profitability amid stagnant growth in its core bike-sharing business, may lead to increased regulatory scrutiny and potential penalties [11][19]. - The acquisition of a controlling stake in a listed company does not provide Hello with direct lending capabilities, leaving it vulnerable to regulatory changes that could impact its financial operations [20].