Core Viewpoint - The implementation of the new regulations on internet lending by commercial banks has led to a cautious approach among regional small and medium-sized banks, resulting in the suspension of new internet lending partnerships and a reduction in the number of cooperative institutions [2][8][10]. Summary by Sections Regulatory Changes - The new regulations require banks to adhere to stricter standards regarding the capital contribution ratio, concentration management, and the qualifications of cooperative institutions, compelling banks to reassess the sustainability of their existing cooperation models [8][9]. Impact on Small and Medium-sized Banks - Several banks, including Urumqi Bank and Guiyang Bank, have announced the suspension of new internet lending partnerships, while others like Jilin Yilian Bank have significantly reduced their number of cooperative institutions [2][3][7]. - The new regulations have created a multi-dimensional squeeze effect on small and medium-sized banks, narrowing profit margins and increasing risk management pressures [9][10]. Business Strategy Adjustments - Banks are shifting their focus towards enhancing their own digital credit capabilities and managing existing business rather than expanding new partnerships [7][10]. - The competitive landscape is expected to evolve from a focus on scale and flow to a competition based on risk management capabilities and financial technology strength [10][11]. Recommendations for Future Development - Regional banks are advised to leverage local advantages, deepen understanding of regional market needs, and develop differentiated credit products [11][12]. - There is a call for banks to accelerate digital transformation and explore collaborative development models to share costs and improve efficiency [12].

乌鲁木齐银行在半年报中表示，今年上半年，该行大力推广雪莲E贷-新市民贷，并提供专属利率优惠。截至6月末，累计发放新市民贷3099笔，金额2.68亿 元。 乌鲁木齐银行曾在9月份发布公告称，停止合作类个人互联网消费贷款业务。 公告显示，为积极响应金融监管政策要求，更好提升乌鲁木齐银行服务质量和风险管理水平，经综合评估，乌鲁木齐银行决定自2025年10月1日起，停止发 放合作类个人互联网消费贷款业务（包括联合贷、助贷两类）。乌鲁木齐银行自营个人互联网消费贷款产品雪莲E贷不受影响。 近期，乌鲁木齐银行发布公告称，自2025年10月1日起，已停止开展合作类个人互联网消费贷款。 ...