The Measures for the Administration and Improvement of the Quality and Efficiency of Financial Services for Internet-aided Lending by Commercial Banks, issued by the National Financial Regulatory Administration, will take effect on October 1, 2025. The policy aims to rectify the chaos in the internet-aided lending business and requires commercial banks to strengthen the responsibility of centralized management at the head office, to implement a list management system for platform operation institutions and credit enhancement service institutions, and to publicize the standards through official websites, APPs, and other channels. The screening criteria involve multiple aspects, including loan balances, customer scale, risk control technology, business processes, and complaint rates. In terms of pricing mechanisms, it is strictly forbidden for lending institutions to charge fees under the guise of "consulting fees" or "advisory fees", and credit enhancement service fees must be included in the comprehensive financing cost, and the overall cost should comply with the judicial protection ceiling, i.e., the part exceeding the annual interest rate of 24% should be adjusted downward when the borrower requests it. This policy will promote the internet-aided lending industry from "wild growth" to "compliance-driven", which will help to regulate market order and protect the rights and interests of financial consumers.