According to Tianyancha data, JD.COM Small Loan has increased its registered capital from 3 billion yuan to 5 billion yuan.
The major shareholder of JD.COM Small Loan is Beijing Zhengdong Jinkong Information Service Co., Ltd. (hereinafter referred to as Zhengdong Jinkong). On February 4th, 65438, its investment in small loans in JD.COM increased from 2.4 billion yuan to 4.4 billion yuan, and its shareholding in small loans in JD.COM increased from 80% to 88%. JD.COM Science and Technology wholly owns Jindong Holdings, which is the second capital increase of JD.COM Small Loan this year. Previously, the registered capital of small loans in JD.COM has increased from 654.38+0.6 billion yuan to 3 billion yuan in August.
Sun Yang, a researcher at Suning Financial Research Institute, said that the capital increase of small loan companies is mainly to apply for inter-provincial business qualifications.
2020 1 1 Interim Measures for the Management of Online Microfinance Business (Draft for Comment) was promulgated in June, which limited the business scope of most small online lending companies to the provincial administrative region where they were registered. Only a few small online lending companies can operate across provinces after being approved by the CBRC, and the threshold of registered capital of small online lending companies has been raised to 654.38 billion yuan, while the registered capital of small online lending companies operating across provinces is not less than 5 billion yuan.
Su, a senior analyst at Analysys International, also said that the Internet giant chose to increase the capital of its microfinance companies. On the one hand, it shows that loan business is still a key part of giant financial business; On the other hand, it also shows that it is a realistic path for some giants to choose small loan licenses to increase capital and achieve scale expansion, which will accelerate the competition in the small loan industry.
Sun Yang said that loans are always the easiest product to realize Internet traffic. Compared with consumer finance and banking licenses, small loan company licenses are relatively easy to obtain. Now many Internet giants are transforming Xiao Wei and Pratt & Whitney; Whitney, this needs the support of online small loan companies. Therefore, more Internet giants will increase capital for small loan companies.
"Now there is a trend that the industry concentration of small loan companies is getting higher and higher. With the tightening of supervision, it is increasingly emphasized that small loan companies serve the real economy, and it is increasingly difficult to obtain data. Those small loan companies without data and real economic scenarios will gradually withdraw. " Sun Yang said that the parent company of online small loan companies with weak capital strength will also be unable to bear 5 billion capital, and will also withdraw from the national market. The market of online small loan companies on the Internet platform will be further expanded, and these released markets will be eaten.
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