Core Viewpoint - The implementation of the new regulations on internet lending by commercial banks, effective from October 1, 2025, significantly restricts the profit margins of lending platforms and compels them to optimize risk control and pricing strategies [1][2]. Summary by Sections Regulatory Changes - The new regulations establish a "whitelist" system for financial institutions engaging in lending, with a cap on interest rates set below 24%, reducing the previous range of 24%-36% [1]. - The regulations have prompted financial institutions to accelerate the cleanup of their partnerships, with 31 licensed consumer finance companies disclosing their cooperative institutions by the deadline [1]. Collection Practices - Despite the new regulations, aggressive collection practices, including verbal abuse and threats, remain prevalent in the industry, leading to high levels of consumer complaints [4][8]. - A case study highlights a borrower receiving threatening messages that included personal information and intimidation tactics, indicating a continuation of violent collection methods [5][6]. Financial Impact - The new regulations have compressed the profit margins of lending products, forcing platforms to shift their focus towards risk management and optimizing customer structures [2][13]. - The industry is experiencing a decline in recovery rates, particularly for loans overdue by three months (M3), with current recovery rates estimated between 3% to 5% [9][12]. Industry Response - Lending platforms are increasingly focusing on negotiation and collaboration with overdue customers to find reasonable repayment solutions, moving away from aggressive collection tactics [14]. - The industry is witnessing a shift towards a more compliant and technology-driven approach to collections, emphasizing the need for a comprehensive risk management system [15]. Challenges and Recommendations - The presence of "black market" debt restructuring services complicates the collection landscape, as these services target distressed borrowers for high fees [14]. - Experts recommend that lending platforms enhance their compliance mechanisms and improve the selection process for collection agencies to ensure adherence to legal standards [15].

晚会播出后，这些催收公司是否还在营业？有没有进行整改？南财经视调查工作室记者特意去 现场回访发现，相关公司已停业，人去楼空。 视频：南财经视一线 催收新国标来了 作 者丨郭聪聪 编 辑丨方海平 记者回访"暴力催收"公司，发现已人去楼空！ 在今年的广东3 1 5晚会上，曝光了部分催收公司涉嫌违法催收，侵犯了债务人的权益，给债务 人带来了很大的心理压力。 记者卧底：催收的秘笈丨2 0 2 5广东3 1 5晚会 2月2 8日，国家标准化管理委员会批准发布了《互联网金融 个人网络消费信贷 贷后催收风控 指引》（下称《催收风控指引》），这是我国首个聚焦贷后催收业务的国家级规范。《催收风 控指引》正式实施后，将替代2 0 2 4年5月发布的《互联网金融贷后催收业务指引》。 多名受访专业人士告诉2 1世纪经济报道记者，尽管《催收风控指引》在内容层面未做大幅变 动， 但其在原则上更加注重风险控制，强调了催收风险责任的落实。 同时从行业标准晋升为 国家标准，将为个贷催收行业的规范发展带来新契机。 中 国 互 联 网 金 融 协 会 表 示 ， 该 标 准 的 实 施 是 我 国 首 个 聚 焦 贷 后 催 收 业 务 的 国 ...