哈银、招联等9家消金公司亮明合作伙伴，传递哪些行业新信号

Core Insights - Two licensed consumer finance companies, Harbin Consumer Finance and Zhaolian Consumer Finance, have disclosed their loan assistance cooperation institutions, highlighting a trend towards collaboration with major internet financial firms [1][2][3] Summary by Sections Cooperation Institutions - Harbin Consumer Finance announced partnerships with 10 loan assistance institutions and 29 collection agencies, while Zhaolian Consumer Finance revealed 11 loan assistance institutions and 18 collection agencies [1][2] - The majority of loan assistance institutions listed by Harbin are affiliated with well-known internet financial companies, including Meituan, Ctrip, and Ant Group [3] Industry Trends - A total of 9 licensed consumer finance companies have publicly disclosed their cooperation institutions this year, indicating a growing trend in the industry [2][12] - The implementation of a list-based management system for cooperation platforms is expected to intensify the "Matthew Effect" in the industry, favoring larger, compliant institutions [12][20] Market Dynamics - The cooperation institutions are primarily from leading internet financial platforms, with 10 out of 11 loan assistance institutions for Zhaolian being from top-tier internet companies [10][11] - The trend towards scene-based cooperation is emerging, as consumer finance companies seek to refine their operations and target specific customer segments more effectively [20]