Another number of online small loan licenses to log in Shanghai

In an interview, Ctrip said that this move is mainly due to compliance considerations, in accordance with the "two -clicks and one control" requirements in the "Interim Measures for the Management of Online Microfinance Business Management (Draft for Opinions)" The business scope of the loan limited liability company is changed to withdraw from the small loan business.

Author: Wang Qing

Figure: Tuwa Creative

On August 11, the reporter noticed that Ctrip's Shanghai Ctrip Small Loan Co., Ltd. (hereinafter referred to as "Shanghai Ctrip Small Loan") has been renamed Shanghai Ctriplot Technology Co., Ltd. on August 9th. Loans and related consulting activities are changed to technical services, technical development, and information security software development.

In this regard, Ctrip said in an interview that the move was mainly based on compliance considerations, in accordance with the "two -ginseng, one control" requirements in the "Interim Measures for the Management of Online Microfinance (Draft for Opinions)" Ctrip Small Loan Co., Ltd. has changed its operating scope and withdraws from the small loan business.

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According to the "Interim Measures for the Management of Online Small Loan Business (Draft for Opinions)", the same investor, its affiliates, and consistent actors as the major shareholders participate in the inter -provincial administrative region to operate online small loan business The number must not exceed 2, or the number of small loan companies operating online small loan companies operating across provincial administrative regions must not exceed one.

"In order to implement the requirements of regulatory supervision, the name and business scope of Shanghai Ctrip Small Loan have changed and officially withdrawn from the small loan business." Ctrip said.

Shanghai Ctrip Small Loan was established in 2015 with a registered capital of 200 million yuan. The shareholders are: Ctrip Tourism Network Technology (Shanghai) Co., Ltd. holding 40%, Ctrip Computer Technology (Shanghai) Co., Ltd. holding 20%, Ctrip tourism information Technology (Shanghai) Co., Ltd. 20%and Shanghai Ctrip Asset Management Co., Ltd. 20%.

The reporter noticed that in order to meet the requirements of the "two ginsengs and one control", many companies including Ping Anpu, JD.com, and Small Manchu have canceled their small loan licenses, and said that "the main body of the license will eventually retain only one."

At the end of May this year, Ping Anpu Hui has canceled its Hunan Including Places Loan and Shenzhen Ping Anpu Hui Small Loan. At present, there are only one Chongqing Jinan Micro Loan. Shanghai Manyi Micro Loan Co., Ltd. has withdrawn from the pilot qualification of Shanghai Microfinance Company.

At the same time, the Local Finance and Administration Bureau of Anhui Province and the Jiangxi Provincial Local Finance and Administration Bureau disclosed at the beginning of this year to cancel 17 pilot qualifications in Wuhu City and five small loan companies in Nanchang.

According to the statistical data report of the small loan company in the second quarter of 2022 released by the central bank in July, the number of small loan companies operated by the country in the country at the end of the second quarter was 6,150. Compared with the data in the previous quarter, 62 were reduced. The number of staff members was 59,733, and the data was reduced by 1,306 in the previous quarter.

Increase capital

According to Ctrip's official website, Ctrip owns a third -party payment, consumer finance, microfinance, financial leasing, commercial factoring, fund sales, financing guarantee and other licenses. Flowers (credit consumption services), joint credit cards, flash travel cards (electronic bank accounts launched with banks), industrial finance (financing, loan solutions provided by the industry), and product system for wealth management services.

At present, Ctrip has two small loan licenses. In addition to the above -mentioned Shanghai Ctrip Small Loan, which has withdrawn from the small loan business, there is also a Chongqing Ctrip Micro Loan Co., Ltd. (hereinafter referred to as "Chongqing Ctrip Small Loan").

In early August, in order to meet the regulatory requirements, Chongqing Ctrip Small Loan has increased the registered capital from 1.524 billion to 5 billion yuan to become the 11th small loan company with a registered capital of 5 billion yuan. At that time, there were market participants analyzed that with the increase in the capital of Chongqing Ctrip, Shanghai Ctrip Microfin will change the business scope and withdraw from the small loan business.

According to the requirements of the "Interim Measures for the Management of Online Small Loan Business (Draft for Opinions)", the registered capital of a small loan company operating a small loan company operating a small loan company operating across provincial administrative regions is not less than RMB 5 billion, and it is one at a time Sexual payment of monetary capital.

In fact, recently, small loan companies under the Internet company have increased their capital to 5 billion yuan.

Public information combing, in January this year, the registered capital of Fuzhou Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixty -Sixture microfinant loan Co., Ltd. increased from 1 billion yuan to 5 billion yuan. The registered capital increased from 7 billion yuan to 7.4 billion yuan; in April, the registered capital of the bytes of Shenzhen Zhongrong Micro Loan Co., Ltd. increased from 5 billion yuan to 9 billion yuan; The registered capital of Tongbang Financial Small Loan Co., Ltd. increased from 5 billion yuan to 10 billion yuan. In 2021, the small loan companies under Jingdong and Meituan increased their capital to 5 billion yuan.

In this regard, Su Xiaorui, a senior analyst, believes that Internet giants have increased capital. First of all, online small loans have the qualifications of the nationwide exhibition industry and match the giant's Internet attributes.It has been slowed in 2021, and the choice of small loans of capital increase online is a appropriate measure. In addition, capital increase also shows the determination of platform compliance operations and steadily expanding business scale.Scripture headline | Daily "losing streak": The inconspicuous accounts, Yao Yang, who made the money that can not make money: It is recommended to issue 1.4 trillion special Treasury bonds.Walking between the hospital and the patient is not an ox or a god

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