（来源：张家口新闻网） 新规之下，互联网助贷市场的生态正发生变化。中国邮政储蓄银行研究员娄飞鹏介绍，监管明确要求银 行实行合作机构"白名单"管理，将增信费用纳入综合融资成本，禁止风险外包，这将推动中小银行加强 管理，在具体措施上包括停止新增助贷业务，行业加速洗牌。 苏商银行特约研究员薛洪言认为，这一模式的核心在于明确分工，有助于提升效率。"银行承担全部出 资责任，平台以服务换取费用，以全流程线上操作提高审批效率。对于受物理网点与品牌辐射力限制的 中小银行而言，此模式能帮助银行以较低成本突破地域限制，快速触达全国客群，从而助力银行丰富零 售资产、优化业务结构。"薛洪言说。 然而，伴随业务快速扩张，风险隐患也逐渐显露。天眼查数据显示，个别助贷平台股权结构复杂，与多 家中小银行形成关联网络，一旦出现风险，容易传导至合作银行，加剧资产质量压力。 天眼查数据研究院相关负责人认为，银行出于风险成本考虑，减少与助贷平台合作，有助于优化提升信 贷资产质量。 近期，金融监管总局披露的罚单显示，两家银行因相关互联网贷款、代销等业务管理不审慎，分别受到 处罚。业内人士表示，金融监管机构对个别银行的相关罚单，可视为互联网贷款业务进入 ...

Core Insights - The recent implementation of new regulations in internet lending has led to a significant restructuring of the industry, resulting in reduced collection efforts and a halt in the "loan-to-repay-loan" model for high-risk borrowers [1][6]. Group 1: Changes in Collection Practices - Borrowers have reported a noticeable decrease in collection calls and messages, with many platforms reducing contact frequency and ceasing third-party communications [2][3]. - The sudden silence in collection efforts has left borrowers confused, as they are uncertain whether this indicates impending legal action [2][3]. Group 2: Impact on Borrowers - High-risk borrowers are facing sudden loan withdrawals, with many platforms halting lending altogether, leaving only credit cards and certain services available [2][3]. - Borrowers who previously had easy access to loans are now finding their borrowing capabilities restricted due to poor credit records or excessive debt [3][6]. Group 3: Regulatory Changes - The new regulations impose stricter controls on internet lending, including a list management system for partner institutions and rigid caps on financing costs, which have reduced the viability of high-risk lending [4][5]. - Banks are now required to take greater responsibility for internet lending practices, leading to a more cautious approach in managing collection activities [3][4]. Group 4: Industry Dynamics - The regulations have led to a consolidation in the industry, with smaller lending institutions facing increased compliance costs and exiting the market, while larger firms with robust risk management systems are gaining market share [6][7]. - The shift from a broad partnership model to a more selective approach has resulted in a significant reduction in high-risk clientele, as banks are now more stringent in their partnerships [4][6]. Group 5: Borrower Behavior and Consequences - Many borrowers initially took out small loans for emergencies but found themselves trapped in a cycle of debt due to high-interest rates and compounding interest [6][7]. - A significant percentage of borrowers experience difficulties in securing future loans due to increased credit inquiries, which signal financial distress to lenders [6][7].

Group 1 - The core viewpoint of the articles highlights the increasing regulatory scrutiny on lending institutions, particularly in the context of consumer finance and loan facilitation services [1][2][3][4] - The Ningxia Financial Management Bureau has revoked the operating qualifications of seven lending institutions, indicating a crackdown on local offline lending agencies that provide services to private enterprises and individuals [1] - The Ministry of Public Security and the Financial Regulatory Administration are collaborating to combat illegal financial activities, with a focus on loan-related fraud and illegal intermediary services [2] Group 2 - Consumer finance companies are actively responding to regulatory requirements by publishing lists of compliant lending partners, with 14 licensed financial institutions already disclosing their cooperation lists involving 180 partner institutions [3] - The lending market is showing a trend of concentration among leading platforms, with major players like Ant Group, Meituan, Douyin, and JD frequently appearing in cooperation lists [3] - The implementation of a list management system is expected to enhance consumer protection and provide better security for licensed institutions in their collaborations [4]