每经记者｜张寿林 每经编辑｜陈旭 近日，《每日经济新闻》记者（以下简称每经记者）从业内独家获悉，民生银行与"中国移动和包"（以 下简称中移和包）陆续终止金融产品代销业务。自9月19日起，中移和包仅可查询民生银行业务，不可 进一步操作。 据悉，中国移动和包是面向个人和企业客户提供的一项综合性移动支付业务。 每经记者了解到，除了与中移和包逐步终止代销合作，民生银行同时还在推进与华能集团旗下云成金服 终止代销合作。 除了与中移和包逐步终止代销合作，每经记者还了解到，民生银行也正与华能集团旗下云成金服推进终 止代销合作。 每经记者注意到，今年3月21日，国家金融监督管理总局发布通知，正式印发《商业银行代理销售业务 管理办法》。 按照该管理办法，商业银行仅限于在本行营业网点、官方网站及互联网应用程序（App）等本行自主运 营且不依赖于其他机构的渠道设专区销售代销产品，不得通过外包业务流程、让渡业务管理权限、将全 部或者部分销售环节嵌入其他机构应用场景等方式违规开展代销业务。代销私募资产管理产品的，应当 通过本行面向合格投资者的专门渠道以非公开方式宣传推介和销售。 根据通知，上述管理办法将于10月1日开始施行。 每经记者 ...

Core Viewpoint - Minsheng Bank is terminating its cooperation with third-party platforms "Yutong Life" and "Huawei Wallet" for the distribution of public money market funds, in response to the new regulatory framework set to take effect on October 1, 2025, which mandates banks to operate their own sales channels without relying on external institutions [3][5][6]. Group 1: Regulatory Changes - The new "Sales Agency Management Measures" issued by the National Financial Supervision Administration aims to clarify the responsibilities of commercial banks as sales agents and promote the healthy development of agency sales [6][8]. - Banks are required to establish a compliance framework, standardize sales behaviors, and enhance customer management to align with the new regulations [6][8]. Group 2: Operational Adjustments - Minsheng Bank will close its fund distribution channels on the "Yutong Life" platform starting August 25, 2025, and on the "Huawei Wallet" platform starting September 4, 2025, directing customers to use the Minsheng Bank mobile app for fund transactions [4][5]. - The bank's customer service indicated that the integration of third-party platform operations into the bank's mobile app is part of compliance with the new regulations [6]. Group 3: Challenges in Implementation - The implementation of the new sales regulations presents structural challenges, including product homogeneity among banks, which leads to low customer loyalty and increased competition [9][10]. - There is a gap between diverse customer needs and the banks' ability to respond effectively, particularly for different demographic groups such as the elderly and younger consumers [9][10]. Group 4: Strategic Recommendations - To address product homogeneity, banks should innovate and create differentiated product lines tailored to specific customer segments, such as specialized financial solutions for tech enterprises [11][12]. - Banks are encouraged to leverage big data for dynamic risk assessment and enhance customer service through personalized and digital offerings [11][12]. - Collaboration with fintech companies to share resources and reduce IT costs is recommended, especially for smaller banks [11][12].

Core Viewpoint - Minsheng Bank is terminating its cooperation with two third-party platforms for public fund distribution in response to the upcoming implementation of the "Regulations on the Management of Commercial Banks' Agency Sales Business" on October 1, 2025 [1][6][8] Group 1: Termination of Cooperation - Minsheng Bank announced the termination of its fund distribution cooperation with the "Huawei Wallet" platform effective September 4, 2025, and with the "Yutong Life" platform effective August 25, 2025 [3][4] - After the termination, users will no longer be able to perform fund-related transactions such as inquiries, subscriptions, redemptions, and changes to dividend methods on these platforms [3][4] Group 2: Future Business Arrangements - Customers can manage their fund holdings through the Minsheng Bank App, but subscription and regular investment services will be closed [4][5] - For fund subscription or regular investment needs, customers are directed to use the Minsheng Bank App's wealth management section [5] Group 3: Regulatory Compliance - The termination of cooperation is part of Minsheng Bank's efforts to comply with the new regulations, which require banks to consolidate their fund distribution operations onto their own platforms [8] - The new regulations aim to enhance the management responsibilities of commercial banks as agency sales institutions and promote the healthy development of agency sales business [8]

Core Viewpoint - Minsheng Bank has announced the termination of its fund distribution cooperation with two third-party platforms in response to the upcoming implementation of the "Administrative Measures for Commercial Banks' Agency Sales Business" on October 1, 2025 [2][6]. Group 1: Termination of Cooperation - On August 14, Minsheng Bank announced it will terminate its fund distribution cooperation with the "Huawei Wallet" platform starting September 4, 2025, affecting various fund-related services [4]. - The day before, on August 13, the bank also announced the termination of its cooperation with the "Yutong Life" platform for public money market fund distribution, effective August 25, 2025 [4]. Group 2: Future Business Arrangements - Following the termination, customers will be able to manage their existing fund products through the Minsheng Bank app, but new fund subscription and investment plans will be closed [5]. - As of the end of 2024, Minsheng Bank distributed 3,624 fund products from 108 companies, with a non-money fund holding scale of 81.3 billion yuan, including 72.8 billion yuan in equity funds [5]. Group 3: Regulatory Compliance - The termination of cooperation is part of Minsheng Bank's efforts to comply with the new agency sales regulations, which require banks to consolidate their distribution activities onto their own platforms [7]. - The new regulations aim to clarify the management responsibilities of commercial banks as agency sales institutions and promote the healthy development of agency sales business [7].