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 ...

Core Viewpoint - The recent legal and operational challenges faced by Kaishi Fund and its chairman Chen Jiwu highlight the difficulties small and medium-sized public funds encounter in a competitive and heavily regulated market [6][7][8]. Group 1: Legal and Operational Challenges - Chen Jiwu, chairman of Kaishi Fund, has been subjected to consumption restrictions by the Shanghai Huangpu District People's Court, affecting his ability to engage in high-cost activities [1]. - Kaishi Wealth, a professional fund sales institution, has faced termination of business relationships with multiple public funds, including China CITIC Prudential Fund and Xinjiang Qianhai United Fund [2]. - Kaishi Fund Management Co., Ltd. has multiple equity freezes totaling over 300 million yuan, with the latest freeze lasting until 2027 [2]. Group 2: Financial Performance and Product Line - As of March 31, 2025, Kaishi Fund's total assets under management have plummeted to 117 million yuan, a decline of over 90% from its peak of 1.429 billion yuan in Q3 2019 [3]. - The company has seen a significant reduction in its product line, with several funds being liquidated since its establishment in 2017 [3]. - The recent launch of the Kaishi Yuanxin Mixed Fund raised only 10.61 million yuan, with no external subscriptions, indicating a lack of investor confidence [3]. Group 3: Industry Context and Future Outlook - The situation of Chen Jiwu and Kaishi Fund reflects the broader challenges faced by small public funds amid increasing market concentration, where top firms hold over 80% of market share [6][7]. - As of the end of 2024, Kaishi Fund's scale was merely 19 million yuan, ranking last among similar "private-to-public" companies, while competitors like Pengyang Fund exceeded 124.8 billion yuan [7]. - Industry experts suggest that building differentiated competitive advantages and addressing historical issues like equity freezes are crucial for the survival of small public funds [7].