助贷新规前多家消金公司晒合作方：多为头部互联网、场景平台

Core Viewpoint - The new regulations for internet lending by commercial banks, effective from October 1, require banks to manage and publicly disclose a list of third-party cooperation institutions for lending services, leading to a surge in disclosures from various financial institutions [2][17]. Group 1: Regulatory Changes - The "Internet Lending Business Management Measures" (referred to as "New Lending Regulations") will officially take effect on October 1, mandating commercial banks to implement a list management system for cooperation institutions and disclose it publicly [2][17]. - At least 20 licensed financial institutions have released cooperation white lists related to lending services, involving over a hundred institutions, including major internet companies and listed fintech firms [2][17]. Group 2: Micro Bank's Cooperation Institutions - WeBank has disclosed a list of 382 cooperation institutions, primarily focusing on marketing and customer acquisition, including notable companies like People's Jinfu and Huawei Software [3][5]. - The list includes various types of institutions, such as credit data service providers and legal firms, indicating a diverse approach to collaboration [6][7]. Group 3: Performance Metrics - As of the end of 2024, WeBank's total assets reached 651.776 billion, a 21.7% increase from the beginning of the year, making it the largest among 19 private banks [8]. - In 2024, WeBank's revenue was 38.128 billion, a decrease of 3.13%, while net profit grew to 10.903 billion, with a growth rate of 0.81%, marking the first decline in revenue since its establishment [8]. Group 4: Other Financial Institutions - Postal Consumer Finance has also disclosed its cooperation platforms, including 30 internet loan platform operators and 14 credit enhancement service institutions, in compliance with regulatory requirements [9][12]. - Haier Consumer Finance announced a list of 67 cooperation institutions, featuring major internet giants and scenario-based platforms, reflecting a trend towards diversified partnerships [14][15]. Group 5: Industry Trends - The lending industry is transitioning from a phase of rapid growth to a competitive environment where stronger players dominate, with a focus on compliance and technological integration [17]. - Analysts suggest that while there is a need for regulatory compliance, it is essential to encourage licensed institutions to deepen cooperation with technology platforms to enhance risk control and service upgrades [17].