阿里小贷一则变更信息，为一段横跨十五年的金融创新史画上了句号。 国家企业信用信息公示系统显示，浙江阿里巴巴小额贷款股份有限公司（简称"阿里小贷"）于2025年10 月17日决议解散并正式注销。这家成立于2010年3月的机构，不仅是国内首家持牌网络小贷公司，更是 马云等阿里创始人直接持股、开启互联网金融时代的标志性产物。 它的落幕，标志着"阿里系"小贷牌照在监管指引下全面退出历史舞台，也意味着其衣钵继承者网商银 行，将独自面对普惠金融的全新挑战。 扛起大旗 回顾阿里小贷的历程，其身上镌刻着鲜明的时代印记。 作为国内首家专注于电商生态内小微商家的贷款机构，它推出的"淘宝贷款"等产品，开创了基于平台数 据和信用模型服务小微实体的先河，是蚂蚁集团金融版图最初的基石。然而，作为小贷公司，它始终受 困于资本金和经营区域的限制，其服务范围和资金规模难以无限扩张。 随着2015年更高阶的持牌机构网商银行获批成立，阿里小贷的业务与使命便开始了一场有序的"交接 棒"。相比前者，网商银行作为一家持牌互联网商业银行，实现了质的飞跃。 一方面，网商银行可以依法吸收存款，突破了小贷公司依赖资本金和外部融资的瓶颈，资金渠道和成本 优势大大 ...

苏商银行、温州温州民商银行、华瑞银行，这3家暂时（截至10月12日）没找到。 温州民商银行一直走的很传统银行的路子，或许是真没合作第三方的平台。 从很多公开的信息来看，可以确定的是苏商银行、华瑞银行与第三方机构存在合作。 据金监总局"9号文"（又称"助贷新规"）规定： 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。商 业银行不得与名单外的机构开展互联网助贷业务合作。 该通知自2025年10月1日起施行，外国银行分行、信托公司、消费金融公司、汽车金融公司参照执行。 最近，各银行、消费金融公司陆续在官网披露了合作的营销获客、增信服务，以及催收机构合作名单。 「一只互金鹅」查阅了19家民营银行官网，找到了16家的第三方合作机构名单。 但不确定这两家银行是还没披露，还是隐藏在官网比较偏僻的栏目里，让人难以发现。 各家民营银行披露的合作名单来看，偏好大不同，细节很有趣，也在一定程度上折射出这家机构的优势和困境。 | | | 民营银行第三方合作机构盘点 | | | --- | --- | --- | --- | | 序号 | 银行 | ...

在《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》即将实施之际（10月 1日），多家在华外资银行公布了互联网贷款合作机构名单。 据不完全统计，截至目前，富邦华一银行、韩亚银行（中国）、开泰银行（中国）、国民银 行（中国）、东亚银行（中国）、南洋商业银行（中国）、渣打银行（中国）、友利银行 （中国）等多家外资银行均揭晓了网贷合作机构。其中，富邦华一银行披露的数量最多，达 52家，涉及微众银行、新网银行等银行机构，亦涉及海尔消金等消金公司。另外，渣打银行 （中国）等在公布合作机构的同时也披露了合作产品，比如其与微众银行合作"微业贷"等。 近年来，在华经营的外资银行正在探寻业务转型方向，在此过程中，对公业务俨然成为重点 发力对象，对比而言，部分外资银行已经停止在中国内地做个人业务。 多家外资行公布网贷合作机构，涉微众银行、海尔消金等 助贷新规即将实施之际，多家在华经营的外资银行在官网公布了互联网贷款合作机构名单。 整体来看，上述外资行合作机构多涉及蚂蚁、微众银行、海尔消金等平台。 | 外资银行 | 合作机构数量 | 合作机构/产品名称 | | --- | --- | --- | | ■邦华一银行 | 5 ...

Core Viewpoint - Foreign banks are quietly entering the Chinese consumer loan market, revealing their localization strategies through recent disclosures of internet loan partnerships [1][2]. Regulatory Changes - The new regulations on internet lending, effective from October 1, 2025, are prompting foreign banks to disclose their internet loan partners, reflecting a strategic shift in response to regulatory compliance [2][8]. Strategic Partnerships - Several foreign banks, including Hana Bank and Standard Chartered, have announced partnerships with various platforms for internet loans, indicating a clear strategic layout in the consumer credit market [3][4]. - Fubon Bank has the most diverse partnerships, collaborating with 52 institutions, including banks, consumer finance companies, and tech firms, showcasing a comprehensive ecosystem approach [4]. Diverse Business Models - The cooperation models among foreign banks are varied, including pure referral models, joint lending with shared risks, and guarantee enhancement services, reflecting differentiated strategies based on risk preferences [6][9]. - Major platforms like Ant Group and WeBank frequently appear in partnerships, indicating a preference for established players to enhance competitiveness and stability [6]. Challenges and Opportunities - Foreign banks face dual challenges in the Chinese market: high compliance costs and competition from local platforms that dominate customer acquisition [7]. - The new regulations present both challenges and opportunities, as they require banks to manage partnerships more carefully and focus on compliance to maintain reputation and asset quality [8][9].

Core Viewpoint - Foreign banks in China are increasingly disclosing their internet loan cooperation partners to enhance compliance and consumer protection in the consumer loan market [1][4][5]. Group 1: Disclosure of Cooperation Partners - Youli Bank (China) announced its cooperation with Yunhan Information Technology Co., Ltd. for the JD Jingdiao loan product, which includes customer acquisition, marketing, and operational services [2]. - Other foreign banks, such as Hana Bank (China) and Standard Chartered Bank (China), have also disclosed their cooperation partners, indicating a trend among foreign banks to enhance transparency in their internet loan operations [3][4]. Group 2: Regulatory Context - The implementation of the "Personal Consumption Loan Fiscal Subsidy Policy" on September 1 has prompted banks to disclose their cooperation partners, as foreign banks are not included in the list of loan processing institutions [1][5]. - The regulatory environment has shifted, requiring banks to manage their cooperation partners more stringently and disclose this information to ensure clarity in responsibilities and risk management [4][5]. Group 3: Market Implications - The consumer loan subsidy policy is expected to stimulate demand and provide growth opportunities for banks, particularly in the consumer loan sector [5][6]. - Foreign banks are advised to adjust their strategies and deepen cooperation with local platforms to enhance their market presence and competitiveness in the consumer loan market [5][6].

2025年8月5日，中国邮政储蓄银行发布公告称，近期中国邮政储蓄银行正在扣划邮储银行（601658）网 商贷逾期客户银行账户款项用于偿还以上业务项下的欠款。根据中国邮政储蓄银行已与您签署的《授信 及借款合同》/《贷款协议》/《经营性联合贷款合同》，中国邮政储蓄银行有权扣划您在中国邮政储蓄 银行银行账户内的款项用以偿还对应欠款。如需查询扣划记录，可登录支付宝终端，点击"我的-网商 贷-还款-借还记录"进行查询。由此给您带来的不便，敬请谅解。 如有任何疑问或需帮助，敬请致电中国邮政储蓄银行24小时客户服务电话。 ...

Core Insights - Several private banks have announced a reduction in deposit interest rates to adapt to market changes and lower funding costs, aiming to stabilize net interest margins [1] - The net interest margins of many listed private banks have continued to decline, with significant drops reported by banks such as Blue Ocean Bank and New An Bank [1][2] Group 1: Financial Performance of Private Banks - Micro Bank and Online Merchant Bank lead in total assets with CNY 651.78 billion and CNY 471.03 billion respectively, but Micro Bank's revenue decreased by 3.13% while Online Merchant Bank's profit fell by 24.67% despite a revenue increase of 13.72% [2][3] - New Network Bank's total assets grew at a slower pace, with a significant drop in net profit by 19.7% despite a revenue increase of 16.05% [5] - Among the nine mid-sized banks, Huari Bank showed the most rapid growth with a revenue increase of 41.29% and a net profit increase of 314.62% [8] Group 2: Asset Quality and Complaints - The non-performing loan (NPL) ratio for private banks rose to 1.66%, an increase from 1.55% in the previous year, with nine banks reporting higher NPL ratios [10][12] - Yi Lian Bank's NPL ratio surged to 2.77%, indicating significant asset quality pressure [12][13] - Complaints were notably high for Micro Bank and Online Merchant Bank, with 58,498 and 38,642 complaints respectively, primarily related to their loan products [4][9] Group 3: Management Changes and Strategic Directions - Several private banks experienced management changes in 2024, reflecting the challenging environment for the sector [14] - The industry is exploring new strategies, such as Micro Bank's international expansion and Online Merchant Bank's comprehensive financial services [14]

Core Insights - The article analyzes the performance of 19 private banks in China, focusing on their operating income, net profit, and total asset scale for 2024, aiming to predict their performance and rankings in the industry [1][2]. Group 1: Performance Overview - The top two banks, WeBank and MyBank, lead the private banking sector with total assets of 651.78 billion and 471.04 billion respectively, surpassing the combined total of the other 17 banks [3]. - WeBank's revenue for 2024 is projected at 38.13 billion, slightly down from 39.36 billion in 2023, while net profit remains stable at 10.90 billion [2]. - MyBank shows a revenue increase to 21.31 billion from 18.74 billion in 2023, but net profit has decreased to 3.17 billion from 4.20 billion [2]. Group 2: Asset Scale Rankings - The second tier includes banks with asset scales exceeding 100 billion, such as SuShang Bank, ZhongBang Bank, and XinWang Bank, with varying performance metrics [4]. - SuShang Bank shows growth across all indicators compared to 2023, while ZhongBang Bank's revenue has decreased by 6% [4]. - XinWang Bank's net profit has declined by 19.7%, indicating challenges in maintaining profitability [4]. Group 3: Changes in Business Strategy - WeBank is expanding internationally, having received approval to establish a technology subsidiary in Hong Kong, targeting Southeast Asian markets [19][24]. - MyBank is diversifying its services by developing comprehensive financial services, including payment and wealth management solutions, which have become a significant growth area [25][26]. - Both banks are adapting to regulatory changes and market saturation by exploring new business models and customer engagement strategies [16][35]. Group 4: Small and Micro Enterprise Lending - The majority of the analyzed banks focus on small and micro enterprise lending, with WeBank and MyBank leading in this segment [28]. - WeBank has introduced changes to its "Micro Business Loan" product, including a personal version and increased interest rates, while also enhancing customer acquisition through social media platforms [30][31]. - MyBank is leveraging data from various technology parks to improve credit assessment for innovative enterprises, indicating a shift towards more data-driven lending practices [31][32].