The report shared today is the "2023 Research Report on the Practice, Development and Supervision of Domestic and Foreign Loan Assistance Business", and the copyright belongs to Tsinghua PBC.
With a history of nearly 15 years of development, China's loan assistance business has continued to deepen cooperation with financial institutions represented by Internet platforms in credit business, and has gradually formed a B-end online and offline Internet loan business model, which has greatly contributed to the realization of the goals of financial inclusion and steady growth of consumption. After the completion of the special rectification of Internet financial risks with P2P online lending as the main object, various online financial products and services provided by large Internet companies, including loan assistance business, have become the core content and key to Internet financial risk prevention and fintech supervision.
In recent years, regulators have intensively issued a number of policies to regulate the credit business cooperation between third-party institutions and financial institutions, which brings different opportunities and challenges to various market players. On the basis of extensive research and interviews, the research group reviewed and analyzed the practice and development of loan assistance business at home and abroad, focusing on the supervision ideas and practices of relevant departments at home and abroad on the loan business model, and put forward the blurred boundaries between the rights and responsibilities of financial institutions and lending institutions, the lack of concentration risk management is not conducive to cost reduction and efficiency increase, the high financing cost of financial consumers, credit management and data flow, and the development of China's loan assistance business. and major issues such as financial business and risk tilting towards commercial banks, and put forward corresponding suggestions for improvement in combination with the current regulatory policies.
The 55-page PDF report is selected from the official account [Waitang Think Tank].