Foreign-funded banks, which have always focused on public business, are quietly laying out the Chinese consumer loan market — a series of newly disclosed Internet loan cooperation lists have undoubtedly outlined the trajectory of foreign banks expanding their localization strategies. The “Notice on Strengthening the Management of Commercial Banks' Internet Loan Assistance Business and Improving the Quality and Efficiency of Financial Services” will be officially implemented on October 1, 2025. On the eve of the implementation of the new loan aid regulations, many foreign banks operating in China, such as Bank of Korea Asia, Fubon Huayi Bank, and Standard Chartered Bank, also published a list of internet loan partners on their official websites. “These lists not only reveal the strategic layout of foreign banks in China's consumer credit market, but also reflect China's financial regulation of the Internet loan business.” A banking analyst said.

Foreign-funded banks, which have always focused on public business, are quietly laying out the Chinese consumer loan market — a series of newly disclosed Internet loan cooperation lists have undoubtedly outlined the trajectory of foreign banks expanding their localization strategies. The “Notice on Strengthening the Management of Commercial Banks' Internet Loan Assistance Business and Improving the Quality and Efficiency of Financial Services” will be officially implemented on October 1, 2025. On the eve of the implementation of the new loan aid regulations, many foreign banks operating in China, such as Bank of Korea Asia, Fubon Huayi Bank, and Standard Chartered Bank, also published a list of internet loan partners on their official websites. “These lists not only reveal the strategic layout of foreign banks in China's consumer credit market, but also reflect China's financial regulation of the Internet loan business.” A banking analyst said.