The small loan industry shuffle exacerbates the "Internet system" dense capital increase t

A few days ago, the Local Financial Supervision Bureau of Inner Mongolia Autonomous Region issued the "Announcement on the Cancellation of Six Small Loan Companies' Operation Qualification" stating that the name and business scope of small loan companies that disqualified business qualifications shall not use "small loans", "small loans", "small loans", " The word "loan".

In recent years, many local financial regulatory authorities have issued an announcement of cancellation of some small loan institutions. At present, the compliant development of the small loan industry has accelerated, and regional small -scale institutions have continued to leave the market, while the "Internet Department" small loan institutions seek the national exhibition industry at intensive capital increase.

Small -scale institutions continue to "leave"

In recent years, a number of small loan institutions have been disqualified. For example, in May 2022, Henan Provincial Local Financial Supervision and Administration Bureau announced that the cancellation of Xixia County Huitong Micro Loan Co., Ltd. and Nanyang Wancheng District Huixin Qualifications of Micro Loan Co., Ltd.; in December 2021, Wuhu Local Financial Supervision Bureau issued the "Notice on Agree to Cancel of 17 Small Loan Companies, including the cancellation of Wuhu Xingwu Small Loan Co., Ltd." and so on.

Since 2022, the rating of small loan institutions in many places has disclosed the results of the results of small loan institutions and the results of the investigation work. For institutions such as long -term "empty shells" and "loss of contact", it is not in line with regulatory requirements for regulatory requirements. For example, the Hubei Provincial Local Financial Supervision and Administration Bureau issued an announcement on April 18. A total of 350 small loan companies in the area participated in the selection, selected 54 type A small loan companies, 79 small loan companies, and Class C category C. There are 82 small loan companies and 135 small loan companies. This is also the first time in Hubei Province to classify the small loan companies within its jurisdiction.

"At present, the small loan industry is showing the number of institutions that are constantly shrinking and a trend of reshuffle." The Dean of Zero One Research Institute, Yu Baicheng, told a reporter from the Securities Daily that there are two reasons for the "exit" of small loan institutions: on the one hand: on the one hand, Some small loan institutions are facing survival pressure to choose to apply for disqualification of business; on the other hand, some local small loan institutions have illegal and violations in the process of issuing loans, such as high interest rates, illegal marketing and other issues, and lost contact, lost contact, and lost contact, lost contact, and lost contact, and lost contact, and lost contact, lost contact, and lost contact, and lost contact, lost contact, and lost contact, and lost contact. There are many empty shell phenomena, and the regulatory authorities are increasing the retreat of illegal small loan institutions. "

According to central bank data, as of the end of March 2022, the number of small loan companies across the country was 6,232, with a loan balance of 933 billion yuan. In the first quarter of 2021, there were 6,841 small loan companies across the country with a loan balance of 865.3 billion yuan.

"From the perspective of data, the number of small loan institutions is declining, but the balance of loans in the small loan industry is growing steadily. This shows that the small loan industry is currently being shuffled and showing a trend to the head." Wang Pengbo, a senior analyst at Broadcom consulting financial industry, told the Securities Daily reporter.

"Internet system" frequently increase capital

At present, on one side of the small loan industry, there are regional small -scale institutions that continue to liquidate "departure", and on the other hand, it is the frequent capital increase of small loan institutions under the Internet giants.

According to Sky Eye Inspection, on June 1, the Shenzhen Tenpay Financial Small Loan Co., Ltd. (hereinafter referred to as Tenpay Small Loan), a subsidiary of Tencent, has changed from 5 billion yuan to 10 billion yuan. The reporter noticed that this is the fourth capital increase in Tenpay for small loans in the past two years; in April, the registered capital of Shenzhen Zhongrong Micro Loan Co., Ltd., a subsidiary of the byte, increased from 5 billion yuan to 9 billion yuan; in January The registered capital of Fuzhou Three -Sixty -Sillar Loan Co., Ltd. (hereinafter referred to as 360 small loans) increased from 1 billion yuan to 5 billion yuan, which is also the second capital increase of 360 small loans.

On the whole, in recent years, a number of head Internet platforms have increased their capital to its small loan companies, including Ant, Meituan, Du Xiaoman, JD.com and many other Internet companies. People in the industry generally believe that the frequent capital increase of small loan institutions in the "Internet Department" is related to the relevant provisions of the "Interim Measures for the Management of Online Microfinance Business (Draft for Opinions)".

According to the "Interim Measures for the Management of Online Small Loan Business (Draft for Opinions)", the registered capital of small loan companies operating online microfinance business is not less than 1 billion yuan, and it is a one -time real -time payment. Currency capital. The registered capital of small loan companies operating online small loan companies across the provincial administrative region does not be less than RMB 5 billion, and it is a one -time real -money capital capital.

Su Xiaorui, a senior analyst of the financial industry, told the Securities Daily that the "Internet Department" small loan institution densely increased capital to seek the national exhibition industry. On the one hand, the loan business is still the key composition of its financial business; on the other hand, under the premise of compliance, choosing a small loan license to increase capital to achieve scale expansion becomes a realistic path of some Internet giants, which also makes the small loan industry industry. Competition accelerates.

Yu Baicheng told the "Securities Daily" reporter that "currently small loan institutions have become the focus of some Internet ecological giants to carry out loan business. Increasing the registered capital can increase the ability to resist risks of online small loan companies, or for its next scale Expansion lays the foundation.

Su Xiaorui further stated that small loan institutions are an important part of a multi -level small and micro financial service system. The Internet platform has the advantages and data advantages of traffic, which can play an important role in helping small and micro -merchant households, identification and financing needs, and judging credit status. At the same time, it will complement the traditional banks. In the future, there will be opportunities for banks and small loan institutions to strengthen cooperation.

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