哈银消金公布39家合作机构名单：开放合作赋能生态，合规经营稳健发展

Core Viewpoint - Harbin Hayin Consumer Finance Co., Ltd. (referred to as "Hayin Consumer Finance") has announced a list of 39 partner institutions, demonstrating its commitment to open cooperation in the consumer finance sector while maintaining compliance and risk management strategies [1][4]. Group 1: Financial Performance - As of the end of 2024, Hayin Consumer Finance's total assets reached 24.369 billion yuan, a year-on-year increase of 14.01% [1]. - The company's operating income was 1.399 billion yuan, reflecting a year-on-year growth of 13.46% [1]. - Net profit stood at 156 million yuan, with an increase of 11.03% year-on-year [1]. - The non-performing loan ratio is controlled below 2%, consistently lower than the industry average [1]. Group 2: Cooperative Strategy - The announced 10 lending partners possess core advantages in areas such as traffic scenarios, data risk control, and user operations, aiming to enhance efficiency in customer acquisition, credit assessment, and post-loan management [2]. - Hayin Consumer Finance has also disclosed 29 legally qualified collection agencies, emphasizing its commitment to "sunshine collection" and compliance with operational standards [2]. - All partner institutions underwent rigorous qualification reviews and dynamic management to ensure compliance with regulatory requirements [2]. Group 3: Risk Management - Hayin Consumer Finance utilizes its self-developed intelligent risk control system for independent credit decisions on recommended customer groups, preventing risk transmission across institutions [3]. - In post-loan management, the company employs AI voice recognition and behavior monitoring technologies to ensure full-process tracking and real-time supervision of the collection process [3]. - Regular compliance training and assessments are conducted for partner institutions, establishing a dynamic management mechanism to ensure business compliance [3]. Group 4: Social Responsibility and Future Plans - As a licensed consumer finance company under Harbin Bank, Hayin Consumer Finance focuses on the reasonable credit needs of new citizens and small business owners [3]. - The company emphasizes a balance between "technology empowerment" and "compliance operation," planning to deepen cooperation with leading platforms and explore new business models within the compliance framework [3].