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

Author:Securities daily Time:2022.06.14

14jun

Wen | Li Bing

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. In recent years, small -scale institutions have continued to "leave the market" in recent years, and many small loan institutions have been disqualified. For example, in May 2022, the local financial supervision and administration bureau of Henan Province announced that it has canceled the limited limited loan loans of Xixia County. The company and the pilot qualifications of Huixin Small Loan Co., Ltd. of Wancheng District, Nanyang City; in December 2021, Wuhu Local Financial Supervision Bureau issued the "About Agree to the Cancel of Wuhu Xingwu Small Loan Co., Ltd., including 17 small loan companies," Notice of Qualifications "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 data from the central bank, 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 data point of view, the number of small loan institutions is declining, but the loan balance in the small loan industry is growing steadily. This shows that the small loan industry is currently in the process of shuffling and shows a trend to the head. "Wang Pengbo, a senior analyst at the Broadcom consulting financial industry, told a reporter from the Securities Daily." Internet Department "frequently increased capital. At present, the small loan industry is a regional small -scale institution continuously liquidated the" departure ". Frequent capital increases of loan institutions. According to Tianyancha, on June 1, the Shenzhen Tenpay Financial Micro Loan Co., Ltd. (hereinafter referred to as Tenpay Small Loan), a subsidiary of Tencent's Shenzhen Tenpan Tong, and a registered capital from 5 billion yuan Increased to 10 billion yuan. The reporter noticed that this is the fourth capital increase in Tenpay 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 360 Networks 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. Overall, in recent years, many heads of Internet platforms have increased capital to its small loan companies, including Ant, Meituan, Du Xiaoman, JD.com and many other Internet companies. Industry insiders generally believe that the "Internet Department" small loan institution Frequent capital increase is related to the relevant provisions of the "Interim Measures for the Management of Online Small Loan Business (Draft for Solicitation)". The registered capital of a small loan company is not less than RMB 1 billion, and the one -time actual monetary capital. Yuan, and pays monetary capital at one time. Su Xiaorui, a senior analyst of the financial industry, told reporters of the Securities Daily that the "Internet Department" small loan agencies densely increase capital to seek the national exhibition industry. On the one hand, the loan shows the loan. The type of business is still the focus 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 has become a realistic path of some Internet giants, which also accelerates the competition of the small loan industry. Yu Baicheng told a reporter from the Securities Daily that "small loan institutions have now become the focus of some Internet ecological giants to carry out loan business. Increasing the registered capital can increase the ability to resist risks online, and it can also lay the foundation for its next scale expansion. 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.