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China has halted all approvals for new online lending companies, sending a chill through the country’s fast-growing fintech sector, which has produced some of the biggest and most well subscribed offshore listings this year. 中国已停止审批新的网络贷款公司，使国内快速发展的金融科技行业感受到一股寒意。该行业今年涌现了一些规模最大、受到最踊跃认购的境外上市交易。 The regulations came from a new state body set up to regulate internet finance. The rules also forbid fresh approvals of offline microlending companies that lend across provinces. 这些规定来自一个负责规范互联网金融的新的政府机构。规定还叫停了对线下小额贷款公司跨省放贷的审批。 Existing companies will be allowed to continue operating but may see their operations more heavily regulated. 现有的公司将被允许继续运营，但可能会看到他们的运营受到更严格的监管。 Online lenders have faced criticism for extending loans without proper due diligence, adding to China’s bad-debt troubles. Some online lenders are thinly veiled scammers, offering high interest, short-term loans to vulnerable borrowers and employing unorthodox collection methods, such as demanding nude selfie photographs, as collateral. 在线贷款机构近来面临批评，被指在没有进行适当尽职调查的情况下发放贷款，加剧中国的坏债问题。一些在线贷款机构是几乎不加掩饰的骗子，向弱势的借款人提供高息短期贷款，并采用非正统的追讨方式，比如要求自拍的裸照作为抵押品。 | 
