According to the inspection information, Chongqing Meituan Sankuai Small Loan Co., Ltd. has recently undergone industrial and commercial changes, and its registered capital has increased from 3.058 billion yuan to 5 billion yuan. Founded on 20 16 1 1, the company is wholly owned by Beijing sankuai online technology co., ltd.
Analysts believe that small loan companies intensively increase capital or in order to reach the threshold of inter-provincial exhibition industry. On June 5438+065438+ 10 last year, the CBRC and the central bank publicly solicited opinions on the Interim Measures for the Administration of Online Small Loan Business, requiring that online small loan business should be mainly carried out in the provincial administrative region where the company is registered, and only a few cases can be approved before it can be carried out across provincial administrative regions. In terms of registered capital, the Measures propose that the registered capital of microfinance companies operating online microfinance business across provincial administrative regions is not less than 5 billion yuan, and it is a one-time paid-in monetary capital.
Enterprises are laying out the Internet.
Up to now, the registered capital of Chongqing Ant Microfinance Co., Ltd., Nanning Jintong Microfinance Co., Ltd., Chongqing Duxiaoman Microfinance Co., Ltd. and Chongqing Suning Microfinance Co., Ltd. all exceeds 5 billion yuan. From the statistical results, it is not difficult to find that most of the microfinance companies under the Internet companies have reached the threshold of inter-provincial exhibition industry.
Yu Baicheng, president of Zero Research Institute, said that a number of head Internet platforms have increased the registered capital of their microfinance companies to 5 billion yuan, reflecting the strategic shift of Internet platforms in developing financial lending business by obtaining the national network microfinance license.
According to the data of the central bank, by the end of June 20021,there were 6,686 small loan companies in China, and 432 small loan companies had withdrawn from the market, compared with 7 1 18 at the end of February 2020.
Experts in the industry believe that in the future, for institutions operating online small loan business, it is still necessary to further focus on local customer resources, taking into account supervision, scale and efficiency indicators.
In Baicheng's view, there are many small loan companies, among which local small loan companies account for the vast majority. On the one hand, the development of local small loan companies is influenced by local economic conditions and their own strength, on the other hand, they are also facing competition from other financial institutions. In recent years, the pressure of survival is relatively high. Local small loan companies should give full play to their own advantages of flexible operation and local foothold, form differentiated development with traditional financial institutions, be small and beautiful, and at the same time use technical means to reduce costs and increase efficiency as much as possible.
This article is from china securities journal.
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