10月1日，金融监管总局发布的《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》 （以下简称《通知》）正式实施。 《通知》要求，商业银行总行应当对平台运营机构、增信服务机构实行名单制管理，通过官方网站、移 动互联网应用程序等渠道披露名单，及时对名单进行更新调整。 发挥优势 多元布局 从披露的合作名单整体来看，平台运营机构类型呈现多元分布。 作为助贷业务的核心参与方之一，在《通知》实施前的半年过渡期内，参照《通知》规定执行的持牌消 费金融公司已通过官网等渠道相继披露完成合作机构名单与合作类型，以充分落实监管要求。 消费金融公司牵手了哪些平台运营机构、增信服务机构？有着怎样的差异化合作发展路径？ 31家机构披露"伙伴名单" 在新规落地倒计时之际，消费金融公司开启了一轮合作机构名单的集中披露潮。 9月30日，在《通知》生效前一天，新更名不久的京东消金在官网对其合作机构进行了名单公示。名单 显示，该公司共有5家互联网贷款合作机构和3家贷后合作机构，以科技公司为主，包括北京转转精神科 技有限责任公司、天星数科科技有限公司、天津趣拿互金信息技术有限公司、云瀚信息科技有限公司 等。 9月26日，"银行系"的中信消 ...

Core Viewpoint - The implementation of the new regulatory framework for internet lending by commercial banks aims to enhance the quality and efficiency of financial services, requiring banks to manage platform operators and credit enhancement service providers through a list management system [1] Group 1: Regulatory Changes - The Financial Regulatory Bureau issued a notice on October 1, mandating commercial banks to disclose lists of platform operators and credit enhancement service providers [1] - Licensed consumer finance companies have begun to disclose their partner lists in compliance with the new regulations during a six-month transition period [1] Group 2: Partner Disclosures - As of September 30, 31 consumer finance companies have disclosed a total of 1,133 partner institutions, including lending, credit enhancement, and collection service providers [3] - Notable disclosures include JD Finance's partnerships with 5 internet loan operators and 3 post-loan service providers, and Citic Consumer Finance's collaboration with 19 platform operators and 15 credit enhancement service providers [2][3] Group 3: Diverse Collaboration Paths - The disclosed partner lists show a diverse range of platform operators, including internet giants like Ant Group and JD, as well as specialized fintech companies and other licensed financial institutions [4] - Different consumer finance companies exhibit varying strategies in partner selection based on their unique strengths and resource endowments [4][5] Group 4: Compliance and Risk Management - The industry faces common challenges related to compliance and risk, particularly concerning consumer complaints about hidden fees and inadequate information disclosure [6] - The new regulations increase compliance costs for consumer finance companies, necessitating enhanced data security measures to protect sensitive information [6][7] Group 5: Strategic Partnerships - Consumer finance companies leverage partnerships with lending platforms to enhance efficiency and share risks, with lending platforms acting as outsourced financial service providers [7] - The collaboration between licensed financial institutions and lending platforms aims to combine funding advantages with effective online customer acquisition and risk management capabilities [7]

从更名到"换帅"的战略重塑 10月10日，国家金融监督管理总局天津监管局发布批复，正式核准天津京东消费金融有限公司（以 下简称"京东消金"）董事长的任职资格。 历经股权重组与更名的京东消金至此完成了核心管理团队的关键搭建，这一批复的发布也为2025年 持续升温的消费金融公司高管迭代潮再添新的注脚。 京东消金的"换帅"并非个例，2025年开年以来，消费金融行业已迎来一轮密集的高管迭代。 9月底，国家金融监督管理总局北京监管局核准了宫永媛建信消金的董事、总裁任职资格，而建信 消金年内除了总裁有变之外，于今年2月还更换了董事长。 今年5月，国家金融监督管理总局天津监管局日前发布行政许可，已同意捷信消金正式更名为京东 消金，英文名也同步变更，标志着这家国内首批消费金融试点公司的重组进程尘埃落定。 素喜智研高级研究员苏筱芮表示，捷信消金变更为京东消金，从品牌层面讲，意味着该持牌主体已 纳入京东集团旗下，后续有望为京东金融的自营、联营贷款提供持牌助力，在杠杆率、发行金融债等层 面获得比小贷更领先的持牌优势；从行业层面讲，则意味着消费金融行业的"互联网系"公司又添一名实 力新成员，有望带动持牌消费金融行业的整体注册资本、贷 ...

Core Insights - The consumer finance sector plays a crucial role in stimulating consumption, with significant increases in loan amounts and numbers during the recent National Day and Mid-Autumn Festival holidays [1] - Consumer finance institutions are expanding credit supply to meet the financial needs of consumers for travel and shopping, supported by promotional measures such as interest-free coupons and trade-in offers [1] - The industry is evolving from pilot exploration to a new force in promoting consumption, with stable provisioning rates and robust asset quality [1] Group 1 - The consumer finance industry is focusing on expanding credit supply to stimulate consumption, particularly in daily life scenarios [2] - Institutions are leveraging their group company advantages to embed financial services into various consumer scenarios, such as home appliances and digital products [2] - There is a notable issue of service homogeneity among consumer finance institutions, which may weaken competitive advantages in the face of rising operational costs and customer acquisition pressures [2] Group 2 - The integration of technology and consumer finance is becoming essential, with data analysis helping to identify user risks and optimize product offerings [3] - Financial support for consumption is a key task this year, with guidance emphasizing the need for innovative financial products tailored to consumer scenarios [3] - The extension of consumer finance into more areas of daily life is expected to enhance domestic demand and improve living standards [3]

Core Insights - The article highlights the achievements of China Post Consumer Finance in the 2025 "Data Element ×" competition, where it won three awards in the financial services category, showcasing its leadership in digital transformation and AI application [1][3]. Group 1: Awards and Recognition - China Post Consumer Finance won three awards: third prize for "Innovative Research and Application of Intelligent Risk Anti-Fraud," application practice award for "Digital Transformation Paradigm Based on Big Data," and development potential award for "Intelligent Data Analysis Engine for Inclusive Financial Decision-Making" [1]. - The awards reflect the company's significant achievements in data integration and AI innovation [1]. Group 2: Technological Innovations - The company has developed a comprehensive intelligent anti-fraud system that integrates "visualization + star network + multimodal + rules," successfully intercepting over one million risky transactions annually and saving billions in fraud losses [5]. - In intelligent marketing, it has created a full-process intelligent closed loop that evaluates customer value using machine learning algorithms, effectively reaching underserved credit groups through a data-driven "self-enhancement" model [5]. - The intelligent data analysis engine, based on "full-domain data integration + real-time intelligent analysis + automated decision optimization," supports refined operations and scientific decision-making [5]. Group 3: Commitment to Technology and Innovation - As a licensed consumer finance institution, China Post Consumer Finance emphasizes a "technology-first" development philosophy, with 146 patent applications, 104 of which have been authorized, and 121 software copyrights [5]. - The development of the "Youyuanjian" large model provides a solid technical foundation for AI applications in the industry, contributing to the integration of AI and big data [5]. Group 4: Future Directions - The company aims to continue its commitment to "finance for the people," integrating data elements with financial services to enhance the digital transformation of the consumer finance industry and promote inclusive finance [6].

Core Viewpoint - The Shanghai Communications Administration has reported that the Ping An Consumer Finance App is involved in the excessive collection of personal information, violating user rights and privacy regulations [2][3]. Group 1: Regulatory Actions - The Shanghai Communications Administration has identified 27 apps, including the Ping An Consumer Finance App, that infringe on user rights, with 16 institutions involved, primarily in the financial sector [3]. - The Ping An Consumer Finance App has been previously reported for similar issues in 2021, indicating a pattern of non-compliance with personal information collection regulations [4]. Group 2: User Information Collection Practices - The registration process for the Ping An Consumer Finance App requires users to authorize the sharing of their information with 18 affiliated companies, raising concerns about user consent and transparency [5][6]. - Users must provide extensive personal information, including identification and financial details, which is standard for financial services but raises privacy concerns [5][6]. Group 3: Company Performance - As of the end of 2024, Ping An Consumer Finance reported total assets of 54.293 billion, with annual revenue of 4.519 billion and a net profit of 1.02 billion, showing significant growth compared to 2023 [9]. - The company has established partnerships with 77 institutions to enhance its service offerings and operational efficiency [9]. Group 4: Industry Context - The financial sector is under increasing scrutiny regarding personal information protection, with regulations emphasizing the principle of "minimum necessity" for data collection [9][10]. - Analysts suggest that compliance with personal information regulations is crucial for maintaining consumer trust and the overall health of the financial industry [10].

Core Viewpoint - The Shanghai Communications Administration has reported that the Ping An Consumer Finance App is involved in the excessive collection of personal information, violating user rights and privacy regulations [1][3][4]. Group 1: Regulatory Actions - The Shanghai Communications Administration has identified 27 apps, including 14 financial institutions, that violate user rights by collecting personal information beyond necessary limits [3][4]. - The Ping An Consumer Finance App has been specifically named for its practices, which include requiring users to authorize information sharing with 18 affiliated companies [4][5]. Group 2: Company Response and Compliance - Ping An Consumer Finance has stated that it is actively communicating with the Shanghai Communications Administration to ensure timely rectification of the identified issues [5][12]. - The app's registration process requires users to agree to multiple agreements, which some analysts argue infringes on user rights and lacks transparency [9][10]. Group 3: Financial Performance - As of the end of 2024, Ping An Consumer Finance reported total assets of 54.293 billion yuan, with an annual revenue of 4.519 billion yuan and a net profit of 1.02 billion yuan, showing significant growth compared to 2023 [11][12]. - The company has established partnerships with 77 institutions to enhance its service offerings and customer acquisition capabilities [11]. Group 4: Industry Context - The financial sector is under increasing scrutiny regarding personal information protection, with regulations emphasizing the "minimum necessary" principle for data collection [12][13]. - Analysts suggest that compliance with these regulations is crucial for protecting consumer rights and maintaining the integrity of the financial industry [12][13].

Core Insights - The "Data Element X" competition aims to promote the integration and innovative application of data elements across 13 key industries, including financial services [3] - Haier Consumer Finance's AI team won third place in the Shandong division finals, showcasing its leading capabilities in data technology innovation and inclusive finance practices [1][2] Group 1: Competition Overview - The competition attracted 3,500 teams, with 645 advancing to the finals, highlighting significant interest and participation from various sectors [3] - The Shandong division was organized by the provincial big data bureau in collaboration with 21 departments, featuring 16 competition tracks including financial services and urban governance [3] Group 2: Haier Consumer Finance's Achievements - Haier Consumer Finance's entry utilized multi-dimensional user data and advanced AI models to enhance marketing effectiveness and operational efficiency [2][4] - The company has adopted an "AI First" strategy, focusing on the research and application of emerging technologies to improve data processing and model computation efficiency [4] Group 3: Future Directions - Haier Consumer Finance plans to deepen its data technology research and expand the application of AI across various scenarios, aiming to enhance the accessibility and convenience of financial products [4] - The company has established an AI strategic chain group to boost the efficiency of AI strategy implementation, with over 70% of its workforce in technology and risk control roles [4]

经济观察网 10月14日，海尔消费金融有限公司（以下简称"海尔消金"）宣布，由国家数据局联合中央 网信办、金融监管总局、中国人民银行、中国证监会等20多个部委及机构共同主办的2025年"数据要素 X"大赛山东分赛决赛已圆满落幕。海尔消金数据管理中心AI智多星团队申报的《多模态数据要素+人工 智能驱动消费金融营销全面智能化》案例荣获山东分赛决赛三等奖。 该参赛案例从青岛市初赛、决赛的激烈角逐中脱颖而出，顺利跻身省级赛场；又经省级初赛与决赛的层 层考验，凭借过硬实力在创新赛道的金融行业领域排名第一，再次彰显其在数据技术创新与普惠金融实 践中的领先实力。 ...

近日，哈银消费金融在官网更新了其合作机构名单。 合作机构名单涵盖了平台运营机构、增信服务机构以及催收服务机构。与今年7月份公布的合作机构名单相比，哈银消费金融的最新合作机构数量明显增 加，由39家增至68家。 在最新的合作机构名单中，哈银消费金融增加披露了其合作的增信服务机构，共有13家融资担保机构。 除此之外，其他合作机构数量增加了16家。 | 序号 | 合作机构名称 | | --- | --- | | 1 | 百融云创科技股份有限公司 | | 2 | 北京互金新融科技有限公司 | | 3 | 北京焕然数字科技有限公司 | | 4 | 北京口袋时尚科技有限公司 | | 5 | 北京微财科技有限公司 | | 6 | 重庆度小满信息技术有限公司 | | 7 | 重庆两心金诚科技有限公司 | | 8 | 杭州阿里云智能科技有限公司 | | d | 拉扎斯网络科技(上海)有限公司 | | 10 | 辽宁自贸试验区(营口片区)桔子数字科技有限公司 | | 11 | 马上消费金融股份有限公司 | | 12 | 上海耳序信息技术有限公司 | | 13 | 上海哈啰普惠科技有限公司 | | 14 | 上海淇毓信息科技有限公 ...