2026年以来，民营银行批量清退了至少100家各类助贷机构 1。这一动作的背后，是2025年10月和2026年8月先后落地的助贷新规和个贷新规，以及监管的持续督导 1。受新规影响，综合融资成本上限从年化36%下调至24%，导致原有高息差模式无利可图 1。在此背景下，民营银行净息差自2025年一季度跌破4%后持续下降，多数机构面临资产缩表与生存压力 1。
从行业整体来看，截至2025年末，18家民营银行总资产合计2.21万亿元，占商业银行总资产比重不足1% 1。部分机构负债成本居高不下，2025年江西裕民银行、蓝海银行和亿联银行等4家民营银行计息负债成本率均超出3%，而同期39家银行计息成本率均值仅约1.76% 1。资产端同样承压，2025年已披露数据的18家民营银行中，有6家贷款及垫款余额同比减少 1。以亿联银行为例，其贷款及垫款余额同比降幅超出50%，互联网消费贷款余额约89亿元，贷款和垫款总额约120亿元 1。北京中关村银行也在收缩助贷业务，2026年上半年助贷合作机构降至19家，较年初下降43%；截至2026年7月末，其自营贷款投放额约107亿元，而2025年末贷款余额约505亿元 1。
面对行业分化，头部微众银行和网商银行依托股东生态领跑，两家合计利润占据民营银行近80% 1。其余民营银行则被迫转向自营信贷、场景金融等差异化路径以求图存 1。
Since the beginning of 2026, private banks have collectively terminated partnerships with at least 100 loan facilitation institutions 1. This massive clearance is primarily driven by the rollout of new regulations on loan facilitation and personal loans in October 2025 and August 2026, coupled with continuous regulatory supervision 1. Consequently, the upper limit for comprehensive financing costs has been lowered from an annualized 36% to 24%, rendering the previous high-interest margin model unprofitable 1.
The sector is grappling with severe survival pressures, marked by asset contraction and declining net interest margins, which have been on a continuous downward trend since dropping below 4% in the first quarter of 2025 1. A stark divide has emerged within the industry, as WeBank and MYbank leverage their shareholders' ecosystems to account for nearly 80% of the total profits generated by all private banks 1. In contrast, other institutions are being forced to pivot toward differentiated paths, such as self-operated credit and scenario-based finance 1. By the end of 2025, the combined total assets of 18 private banks reached 2.21 trillion yuan, accounting for less than 1% of the total assets of all commercial banks 1. Furthermore, among the 18 private banks that disclosed data for 2025, six experienced a year-on-year decrease in their loans and advances balances 1.
In 2025, the interest-bearing liability cost rates of four private banks, including Jiangxi Yumin Bank, Blue Ocean Bank, and Yilian Bank, all exceeded 3%, significantly higher than the average of about 1.76% across 39 banks during the same period 1. Yilian Bank's internet consumer loan balance stood at approximately 8.9 billion yuan, with total loans and advances at about 12 billion yuan, while its overall loans and advances balance dropped by over 50% year-on-year 1. Meanwhile, Beijing Zhongguancun Bank reduced its loan facilitation partners to 19 in the first half of 2026, representing a 43% drop from the beginning of the year 1. By the end of July 2026, the bank's self-operated loan disbursement reached about 10.7 billion yuan, compared to a loan balance of approximately 50.5 billion yuan at the end of 2025 1.
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