9月初，友利银行（中国）在其官网发布信息称："依据监管规定，为提升互联网贷款业务服务质效、保 护金融消费者合法权益，对本行互联网贷款业务合作机构相关信息进行公示。" 事实上，除友利银行（中国）外，近期不少外资银行披露了一系列互联网贷款合作名单，显示出外资银 行在消费贷市场的重视程度和合规程度正逐渐加深。 《每日经济新闻》记者注意到，包括友利银行（中国）、韩亚银行（中国）、富邦华一银行、渣打银行 （中国）等多家在华展业的外资银行纷纷在其官网公布了互联网贷款合作机构名单。 值得一提的是，9月1日，《个人消费贷款财政贴息政策实施方案》正式落地实施。目前，贷款经办机构 包括18家大、中型银行和5家其他个人消费贷款发放机构，外资银行不在此列。 银行公示：与机构到底合作什么？ 官网信息显示，友利银行（中国）公开的合作方为云瀚信息科技有限公司，合作产品为京东金条，合作 范围涵盖贷款业务获客与营销、运营服务以及线上、线下催收业务。 同时，产品介绍显示，友利银行（中国）京东金条消费贷款是客户可通过京东金融等平台申请的个人信 用消费贷款，是由京东金融平台负责运营，该行100%出资的互联网助贷产品。 除友利银行（中国）以外，不少外 ...

Core Insights - Ping An Consumer Finance has updated its list of partner marketing and credit enhancement service institutions, adding the well-known loan assistance platform, Xinyongfei [1] - Shanghai Xiaotu Network Technology Co., Ltd. has been added to the marketing acquisition list, while Shanghai Ersu Information Technology Co., Ltd. has been removed [1] - The marketing acquisition list highlights partnerships with Chongqing Liangxin Jincheng Technology Co., Ltd. for loan assistance and Chongqing Meituan Sankuai Small Loan Co., Ltd. for joint loans, both of which are affiliated with Meituan [1] - In the credit enhancement service institutions, Tianjin Xinfly Financing Guarantee Co., Ltd. has been added, which is a wholly-owned subsidiary of Shanghai Xiaotu [1] Marketing Acquisition Institutions - The updated list includes various institutions such as Shenzhen Zhiling Haohai Technology Co., Ltd., Du Xiaoman Technology (Beijing) Co., Ltd., and others [2] - Notable additions and removals include Shanghai Xiaotu Network Technology Co., Ltd. being added and Shanghai Ersu Information Technology Co., Ltd. being removed from the list [1][2] Credit Enhancement Service Institutions - The updated list of credit enhancement service institutions includes Tianjin Xinfly Financing Guarantee Co., Ltd. as a new addition [1][3] - Other institutions in the list include Ping An Rongyi (Jiangsu) Financing Guarantee Co., Ltd. and Shenzhen Zhongzhi Credit Financing Guarantee Co., Ltd. [3] Regulatory Context - The update aligns with the guidelines issued by the National Financial Regulatory Administration in April, which mandates that commercial banks manage platform operators and credit enhancement service institutions through a list system [4] - The regulation emphasizes that banks should not engage in cooperation with institutions outside the approved list for internet loan assistance business [4]