9月11日，民生银行发布公告，终止该行代销公募基金与"翼支付"平台业务合作。根据公告，自2025年9 月24日起，用户登录"翼支付"App，选择"添益宝"或"活期保"将无法跳转至民生银行代销基金频道。 近日，据每日经济新闻报道，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。 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。 9月12日，智通财经以客户身份向民生银行客服询问相关事宜，对方表示："我行将于2025年9月19日 起，终止在'和包'平台本行代销公募货币基金业务合作。" 此外，该人士表示，如意宝存续合作商户中有华能集团（云成金服），华能云成金服项目持仓的工资宝 （长城货币市场证券投资基金A类，200003）产品并未取消，可在线上查询。目前，华能合作的"随心 存"和"利多多"业务，客户可在三方商户中操作。但随心存产品存量余额和签约关系已全部清理完毕， 产品下线，无需客户解约。 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 ...

Group 1 - The core viewpoint of the articles is that Minsheng Bank is terminating its cooperation with third-party platforms for public fund distribution in response to new regulatory requirements, shifting its focus to self-owned channels [1][5][11] - Minsheng Bank announced the termination of its cooperation with the "Huawei Wallet" platform for public fund distribution effective September 4, 2025, requiring investors to use the Minsheng Bank APP for all related transactions [2][3] - The bank had previously announced the termination of its partnership with the "Yutong Life" platform for public money market fund distribution effective August 25, 2025, indicating a broader strategy to consolidate its fund distribution channels [3][4] Group 2 - The new regulatory framework, known as the "Sales Agency Regulations," was issued by the National Financial Supervision Administration in March 2025, mandating that commercial banks can only sell products through their own channels and prohibiting outsourcing of sales processes [5][11] - Minsheng Bank's adjustments are a direct response to these regulations, which aim to clarify the boundaries for asset management institutions and banks, eliminating the practice of using third-party platforms for sales [5][12] - The bank is also integrating its direct banking services, with the "Huixuanbao" channel being merged into the Minsheng mobile banking and personal online banking platforms, reflecting a trend towards internal channel optimization [6][9] Group 3 - The bank's revenue from fund distribution has been under pressure due to declining commission rates and regulatory tightening, with a reported decrease in net income from fees and commissions by 5.15% year-on-year in 2024 [12][13] - The overall trend in the banking industry shows a decline in non-interest income, with many banks facing challenges in maintaining profitability in their fund distribution businesses due to reduced fees and increased regulatory scrutiny [12][13] - As of 2024, major banks, including Minsheng Bank, have been implementing fee reduction policies to attract investors, but this has led to a significant drop in income from fund distribution activities [11][12]