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微信、支付宝和手机百度的APP月活用户数（万户）
微信、支付宝和手机百度的APP月活用户数（万户）
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所属报告：
2021年中信银行业务模式及中信银行报告（16页）.pdf
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商业模式
2026-07-01
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豆包APP端2026年3月的日活稳定在1.46亿，领先千问和元宝
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2026-06-24
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豆包APP端2026年3月月活3.45亿
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2026-06-24
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2026年3月国内TOP10AI原生APP
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2026-06-18
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2026年3月活跃用户规模TOP10互联网/AI科技企业原生APP
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市场规模
2026-06-18
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2026年3月月活用户规模TOP10原生AI助手APP
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市场规模
2026-06-18
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业务体量存在一定差异，与展业时间长短、注册资本、股东流量等因素有关。1、互联网头部平台流量优势明显。网商银行和微众银行分别依托阿里巴巴和腾讯的生态体系，具备明显的流量和数据优势。截止 2019年末，微众银行的个人客户数超过 2 亿人，法人客户数超过 90 万家，管理贷款和管理资产余额双双突破 4400 亿元；网商银行历史累计服务小微企业和小微经营者客户 2087万户。百信银行得到百度的流量支持，开业三年用户数突破4800万，普惠信贷累放突破3000亿元。相比之下，新网银行并未获得股东在流量上支持，主要靠自行拓展外部场景合作方，客户增长速度略慢于百信银行。2、百信银行成立时间较晚，业务规模距离网商银行和微众银行还有较大差距，但增速较快。截止 2019 年末，资产规模已经超过新网银行。除了股东流量原因之外，百信银行开业后不久就进行了第一次增资，注册资本增加 20 亿元至 40 亿元，今年又进行了第二次增资，而新网银行尚未有新的资本注入，注册资本仍为 30亿元。
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