从资金供给方到全流程管控 助贷新规明确，商业银行开展互联网助贷业务需坚持"总行集中管理、权责收益匹配、风险定价合理、 业务规模适度"的原则，这一要求直接指向过往银行互联网助贷业务暴露出的粗放发展问题。"过去分行 自主经营，导致合作机构鱼龙混杂，现在要求所有合作必须经总行名单制管理，主要是为了进一步隔离 风险。"某银行个贷部门人士此前在接受北京商报记者采访时曾表示。 合作机构呈现鲜明"头部导向" 助贷新规正式实施在即，银行正加速调整互联网贷款业务布局。9月15日，北京商报记者梳理发现，在 新规落地前夕，徽商银行、东亚银行（中国）、恒丰银行、上海银行等多家银行纷纷披露了互联网贷款 业务合作机构名单。 从披露的情况来看，这些银行的合作机构主要集中在民营银行、持牌消费金融机构、流量平台、保险及 融资担保机构等类型，并呈现鲜明的"头部导向"。 具体来看，9月12日，徽商银行披露的互联网贷款业务合作机构名单，主要合作方包括蚂蚁智信、宿迁 钧腾信息科技、微众银行、重庆蚂蚁消费金融等头部机构，合作覆盖营销获客、共同出资发放贷款、支 付结算、风险分担、逾期清收五大环节。例如，在营销获客端，徽商银行与蚂蚁智信、宿迁钧腾等机构 合 ...

更早之前的9月10日，东亚银行（中国）也在官网披露了9家互联网贷款业务合作机构名单，涵盖了微众银行、蚂蚁智信、支付宝、银联数据、杭州聚慧联、 网商银行、蚂蚁星河、商诚融资担保、中国投融资担保等在内的民营银行、持牌消金、融资担保等类型机构。该行表示，此次披露严格遵循国家金融监督管 理总局相关规定，后续将严格按照监管要求开展业务，不定期更新名单。 为何银行助贷合作会呈现"头部集中"趋势？素喜智研高级研究员苏筱芮表示，这种共性选择，表明银行机构正充分响应助贷新规的监管精神，以合规为准 绳，从源头规范互联网助贷业务，提升业务质量。 距国家金融监督管理总局《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"助贷新规"）正式实施仅剩15天，银行业正加速调 整互联网贷款业务布局。9月15日，北京商报记者梳理发现，近期徽商银行、东亚银行（中国）、恒丰银行、上海银行等多家机构纷纷披露助贷合作机构名 单，且均聚焦头部民营银行、流量平台等机构。分析人士称，这种共性选择，表明银行机构正充分响应助贷新规的监管精神，以合规为准绳，从源头规范互 联网助贷业务，提升业务质量。 多家银行披露助贷"白名单" 助贷新规正式实施 ...

Core Insights - The development of China's private banks, particularly WeBank, reflects the challenges and achievements of the sector over the past decade [1][2] - WeBank's operating revenue for 2024 is approximately 38.1 billion yuan, marking a 3% decline year-on-year, the first decrease in nearly ten years [2][5] - The net profit attributable to shareholders for WeBank is 10.9 billion yuan, showing a growth of less than 1%, the lowest growth rate since 2016 [2][5] Revenue and Profit Analysis - WeBank's operating revenue in 2024 is 38.1 billion yuan, down 3.13% from the previous year, while net profit attributable to shareholders is 10.9 billion yuan, up 0.81% [2][5] - The bank's net interest income for 2024 is 30.2 billion yuan, accounting for 79.2% of total revenue, with a slight increase of 0.12% [2][5] - Non-interest income has decreased significantly, with a total of 7.9 billion yuan in 2024, down 13.79% year-on-year, primarily due to a decline in fee and commission income [5][6] Business Structure and Challenges - WeBank's business heavily relies on consumer loans, with 93.6% of its personal loan balance of 216.7 billion yuan attributed to consumer loans [8][12] - The bank's net interest margin remains high, recorded at 5.07% in 2024, despite a general decline in net interest income across traditional banks [3][4][5] - The bank's dependency on interest income poses challenges for sustainable growth, as it faces increasing competition from traditional banks enhancing their digital services [11][12] Strategic Initiatives - In 2025, WeBank will launch a "New Decade" strategy focusing on technology output, internationalization, and enhancing differentiated service capabilities [2][11] - The bank has established WeBank Technology as an overseas business platform, collaborating with over 20 institutions in countries like Indonesia and Thailand [11][12] - WeBank aims to leverage its technological advantages and expand its presence in the inclusive finance sector while addressing its reliance on interest income [12]