向来主打对公业务的外资银行，正在中国消费贷市场悄然布局——最新披露的一系列互联网贷款合作名单，无疑勾勒 出了外资银行拓展本土化战略的轨迹。 证券时报·券商中国记者注意到，《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》（下称"助贷新 规"）将于2025年10月1日正式实施。在助贷新规落地前夕，韩亚银行、富邦华一银行、渣打银行等多家在华展业的外资 银行也纷纷在其官网公布了互联网贷款合作机构名单。 "这些名单不仅揭示了外资银行在中国消费信贷市场的战略布局，也反映了中国金融监管对互联网贷款业务的全面规 范。"有银行业分析人士表示。 合规驱动，战略布局浮现 9月伊始，友利银行（中国）在其官网发布信息称，"依据监管规定，为提升互联网贷款业务服务质效、保护金融消费者 合法权益，对本行互联网贷款业务合作机构相关信息进行公示。"信息显示，该行公开的唯一合作方为云瀚信息科技有限 公司，合作产品为京东金条，合作范围涵盖贷款业务获客与营销、运营服务以及线上、线下催收业务。 值得一提的是，在众多外资银行之中，富邦华一银行所披露的合作机构数量最多，类型也最为多元： 共涵盖52家各类机 构，合作机构不仅有永丰银行，还有微众银 ...

9月初，友利银行（中国）在其官网发布信息称："依据监管规定，为提升互联网贷款业务服务质效、保 护金融消费者合法权益，对本行互联网贷款业务合作机构相关信息进行公示。" 事实上，除友利银行（中国）外，近期不少外资银行披露了一系列互联网贷款合作名单，显示出外资银 行在消费贷市场的重视程度和合规程度正逐渐加深。 《每日经济新闻》记者注意到，包括友利银行（中国）、韩亚银行（中国）、富邦华一银行、渣打银行 （中国）等多家在华展业的外资银行纷纷在其官网公布了互联网贷款合作机构名单。 值得一提的是，9月1日，《个人消费贷款财政贴息政策实施方案》正式落地实施。目前，贷款经办机构 包括18家大、中型银行和5家其他个人消费贷款发放机构，外资银行不在此列。 银行公示：与机构到底合作什么？ 官网信息显示，友利银行（中国）公开的合作方为云瀚信息科技有限公司，合作产品为京东金条，合作 范围涵盖贷款业务获客与营销、运营服务以及线上、线下催收业务。 同时，产品介绍显示，友利银行（中国）京东金条消费贷款是客户可通过京东金融等平台申请的个人信 用消费贷款，是由京东金融平台负责运营，该行100%出资的互联网助贷产品。 除友利银行（中国）以外，不少外 ...

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].