Core Insights - Consumer finance plays a crucial role in the economic development process, with clear and significant trends emerging in its evolution [1][2][3] Group 1: Digital Transformation - Digitalization is the core driving force behind the development of consumer finance, allowing consumers to submit loan applications and relevant documents conveniently from home using electronic devices [1] - Financial institutions leverage big data and artificial intelligence for rapid and accurate information review, transforming traditional credit assessment methods into intelligent evaluation models that utilize multidimensional data [1] - This digital transformation enhances service efficiency and quality, reduces operational costs, and broadens the coverage of financial services, enabling more consumers to benefit from consumer finance [1] Group 2: Scenario Integration - Consumer finance is increasingly integrated into various life scenarios, moving beyond simple credit services to seamlessly connect with consumer behavior in shopping, education, and travel [2] - Financial services are now available at the point of sale, allowing consumers to opt for installment payments when purchasing goods, and providing educational loans for skill enhancement or further studies [2] - This deep integration with diverse scenarios allows consumer finance to better meet the funding needs of consumers while enabling financial institutions to more accurately assess risks through transaction data [2] Group 3: Inclusivity Enhancement - The inclusivity of consumer finance is on the rise, with improved financial infrastructure and regulatory policies expanding the range of service recipients [2] - Previously overlooked groups, such as low- to middle-income individuals and young consumers, are now becoming core targets for consumer finance services [2] - This trend helps fill gaps in financial services, allowing more individuals to improve their quality of life and consumption capacity, thereby promoting market prosperity and overall economic growth [2] Group 4: Regulatory Framework - The regulation of consumer finance is becoming more standardized and stringent, ensuring the stable development of the sector [3] - Regulatory authorities are enhancing oversight of the consumer finance market to prevent financial risks and protect consumer rights, with clear and strict requirements for business access, operational behavior, and risk management [3] - New laws and regulations address key issues such as loan interest rates and information disclosure, ensuring consumers can make informed decisions based on clear financial product information [3]

7月，两家持牌消费金融公司先后公布助贷合作机构名单。 其中，7月23日，哈银消费金融在其官网公布了合作机构名单，涵盖10家助贷机构与29家催收机构。7月17日，招联消费金融对外披露了助贷合作名单，包含 18家催收合作机构和11家助贷合作机构名单。值得一提的是，11家助贷合作机构中10家均来自互联网大厂。 南都·湾财社记者不完全统计发现，算上上述两家持牌消金公司，今年已有9家消金公司陆续公开合作机构。 两家持牌消金公布合作名单 多数为知名互联网金融机构 具体来看，在哈银消费金融合作的助贷机构中，涉及多家知名互联网金融机构关联公司，包括美团旗下重庆两心金诚科技有限公司、携程旗下重庆金程信息 科技有限公司、蚂蚁旗下上海哈啰普惠科技有限公司。此外，桔子数科、微财科技、信也、数禾科技、洋钱罐、百融云创、小花钱包等助贷品牌关联公司也 位列其中。 | 序号 | 机构名称 | 联系方式 | 合同到期日 | | --- | --- | --- | --- | | 1 | 深圳市深巨元信用咨询有限公司 | 0755-25911810 | 2025年12月1 | | 2 | 河北博岳通信技术股份有限公司 | 0311-896650 ...