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助贷新规实施倒计时!多家外资银行揭晓网贷合作名单
Xin Lang Cai Jing· 2025-09-23 01:30
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 ...
事关助贷新规,外资银行加速披露!
券商中国· 2025-09-11 03:21
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].
金城银行持续深化数字化金融服务优势 服务中小微企业发展成效显著
Sou Hu Cai Jing· 2025-05-15 10:26
Group 1 - The core mission of Jincheng Bank is to provide digital services to the real economy and the public, focusing on online operations and digital services [1] - Jincheng Bank has developed a digital credit product called "Jinqidai," which features fully online applications, digital operations, and intelligent risk control, reaching over 2.7 million small and micro enterprises in a few years [1] - Jincheng Bank is committed to modernizing the industrial system and providing efficient financial services to relevant enterprises, exemplified by its support for Kexin (Tianjin) Ecological Agriculture Technology Co., Ltd. [1] Group 2 - Kexin plans to launch the 6.0 version of its AIPA (Smart Decision-Making Precision Agriculture) system, with urgent financing needs, and Jincheng Bank provided digital financial services to meet this demand [1] - Kexin successfully obtained a credit limit of nearly 2 million yuan through the "Jinqidai" product after quickly uploading the required application materials via mobile [1] - Jincheng Bank aims to leverage its digital advantages to continuously serve the real economy and enhance its core digital banking capabilities [2]