While increasing capital, I withdrawn from the "Song of Ice and Fire" in the small loan industry

[Dahe Daily · Dahecai Cube] (Reporter Chen Wei intern Zhang Rui) In the context of the stricter of online small loan supervision, the "Internet Plant" has made a lot of money to capital capital. At present, there are more than ten small loan companies such as ants, Tencent, Meituan, JD, Du Xiaoman, Suning, 360 Division, and byte beating. In the Interim Measures for Management of Loan Business (Draft for Opinions), the registered capital requirements of across provincial administrative regions are across provincial administrative regions.

Although from the country, the number of small loan companies and the number of employees have continued to decline since 2015, but unlike local small loan companies, they are trapped in customers and risk control. The platform ecology can also create a closed loop of borrowing, spending money, and repayment.

Ctrip Micro loan increases more than twice a year, capital increase

Another small loan business of another Internet company completed capital increase.

In order to help the tourism industry's revival, implement supervision requirements and better serve small and micro, in early August, Chongqing Ctrip Micro Loan Co., Ltd. made capital increase. After completing the capital increase, the company paid a registered capital of 5 billion yuan. On December 31, 2021, the company had just increased the registered capital to 1.5 billion yuan.

The successive capital increase is related to the “Interim Measures for the Management of Online Small Loan Business (Draft for Opinions)” jointly issued by the CBRC, central bank and other departments in November 2020. According to the above measures, the registered capital of small loan companies operating online small loan business is not less than 1 billion yuan, and the registered capital of the provincial administrative region is not less than 5 billion yuan, and all of them are one -time actual money capital.

After the capital increase is completed, Ctrip Micro loan will meet the minimum capital requirements for online small loans to operate across provinces.

Public information shows that Chongqing Ctrip Small Loan Co., Ltd. was established in 2016 and was controlled by Ctrip Fintech (Shanghai) Co., Ltd. 100%. When the Ctrip APP "takes the flower" service, consumers will sign a loan contract with Chongqing Ctrip Microfin Co., Ltd. and the use of authorization books for personal information.

"Take the flowers" is a financial institution such as Ctrip Finance and Consumer Finance Company, which provides personal credit consumption services for consumers. When booking hotels, vacations, and travel products on Ctrip and Qunar, you can use "getting flowers" for installments. Repayment.

Many small loan companies frequently increase capital

In addition to Ctrip Microfinance, many small loan companies have made capital increases since this year.

On June 28 this year, the industrial and commercial changes occurred at Chongqing Longbian Micro Loan Co., Ltd., and the registered capital increased to 5 billion yuan. Longbai Small Loan was the mobile phone manufacturer OPPO and Vivo's online small loan company.

The 360 ​​Division of Fuzhou Sixty -Sixty -Sixty Type Loan Co., Ltd. also increased the registered capital from 1 billion yuan to 5 billion yuan in January this year. This is the second time the 360 ​​small loan has increased its capital in 4 months. In September last year, 360 small loans just increased the registered capital from 500 million yuan to 1 billion yuan.

Increasing the registered capital to 5 billion yuan is just a starting point.

In June of this year, the registered capital of Tenpay's Caitong small loan of Tencent increased from 5 billion yuan to 10 billion yuan.

In April 2020, the China Rong Micro Loan Company acquired by the wholly -owned holding company was increased by the China Rong Small Loan Company. On April 27 this year, the registered capital increased from 5 billion yuan to 9 billion yuan. Since 2020, China Rong Xiaoy loan has completed three rounds of capital increase, and the registered capital has increased from 1 billion yuan to 3 billion yuan to 5 billion yuan.

The registered capital has reached 7 billion yuan, a small full loan. In February this year, it ushered in the capital increase and changed the registered capital to 7.4 billion.

At present, small loan institutions that have increased to more than 5 billion yuan include ants, Tencent, Meituan, JD.com, Du Xiaoman, Suning, 360 Division, and bytes. Among them, the registered capital of Ant Small and Micro Loan Co., Ltd. reached 12 billion yuan as early as 2019.

Small loan company's victorious fittest

"Enterprise increased capital, on the one hand, considering the compliance of business development in the future, it is also supplemented with more 'ammunition' for business." Su Xiaorui, a senior analyst of the financial industry, told the reporter of the Dahe Daily · Dahecai Cube.

Compared with banks, consumer finance companies, etc., online small loans are relatively easy to obtain, and they have the advantages of cross -regional and business flexibility. Therefore, online small loans have become the entry point for some Internet ecological giants to carry out loan business.

However, its disadvantage is that low leverage, low financing channels, high financing costs, and sufficient own funds have become the key to business expansion. Therefore, a number of Internet small loan companies choose to increase its own capital investment in capital increases, maintain the leverage of small loan business at a low level, meet the direction of regulatory guidance, and prepare for scale expansion.

However, this also causes the integration and survival of the fittest in the small loan industry. The reporter of the Dahe Daily · Dahe Cai Cube sorted out the public information of the local financial supervision and administration bureaus in many provinces. Every month, a small loan company took the initiative to apply for cancellation or was cleared.

"Affected by the epidemic, the small loan business will be blocked or interrupted. Out of the ability to repay the repayment, the company's small loan business will also be conservative." The person in charge of a small loan company in Luoyang said that it is more expensive and more expensive now, and the business volume is more expensive. The decline is inevitable.

According to the data disclosed by the central bank, from the end of 2015, the national small loan institutions reached 8910, and then the road has fallen all the way. At the end of 2021, the small loan company was 6,453. At the end of the second quarter of 2022, the number of small loan companies fell to 6,150. Also halved. Many small loan companies "bet" small B merchant

Unlike local small loan companies that are trapped in customers and risk control, the Internet platform itself has a large amount of user group support, which reduces the customer acquisition cost of small loan business to the greatest extent. At the same time, the platform can also serve the short -term borrowing needs of merchants, so as to form a closed loop of borrowing, spending, and repayment around the platform, merchants, and users.

This road is a successful person. The Ant Group has made a considerable profit contribution throughout Ali's ecology, and its core revenue source is small loan services. The Internet giant increases its capital and expansion of the small loan business, and also hopes to find growth opportunities for financial business represented by online loans.

Take OPPO and Vivo, mobile phone manufacturers who have just increased capital, as an example. In the first half of the year, the mobile phone share did not achieve a significant increase. It also faced the pressure of the overall shipments of smartphones. The financial business became hope. "Second curve".

Byte beating and 360 Finance will develop a small loan business to "bet" small B merchant.

In 2021, the byte beating a wholly -owned small loan company Zhongrong Micro loan, test water launched a merchant loan for small and micro -business owners in Douyin e -commerce. At the time of increasing capital, it also stated that Zhongrong Microfinance will be in e -commerce merchants. Small and micro business continued to increase investment.

The 360 ​​mini -micro -loan business under the 360 ​​Digital Division has also expanded rapidly in the past two years. It has launched differentiated products such as individual industrial and commercial household loans, borrowing loans, and tax loans for small B merchants to meet different types and scale The financing needs of small and micro enterprises provide online credit loan services with higher efficiency and shorter waiting time for small and micro enterprises.

Responsible editor: Chen Yuyao | Review: Li Zhen | Director: Wan Junwei

- END -