Cancel local small loans
According to the recent reply of Beijing Local Financial Supervision Administration, the pilot qualification of Beijing Jinghui Microfinance Co., Ltd. (hereinafter referred to as "Jinghui Microfinance") has been cancelled, which means that Jinghui Microfinance is no longer qualified for exhibition industry. According to industrial and commercial information, Jinghui Small Loan is held by Beijing Zhengdong Jinkong Information Service Co., Ltd. (hereinafter referred to as Zhengdong Jinkong), a wholly-owned subsidiary of JD.COM Technology Holdings Co., Ltd. (hereinafter referred to as "JD.COM") 100%. COM”)。 COM technology ").
The Interim Measures for the Management of Online Microfinance Business (Draft for Comment) issued on June 5438+065438+ 10, 2020 (hereinafter referred to as the "Interim Measures") stipulates that no more than two microfinance companies with the same investor, its related parties and concerted actions as major shareholders participate in online microfinance business across provincial administrative regions, or no more than/hold online microfinance business across provincial administrative regions.
Internet small loan capital increase tide
Previously, at the end of April, the registered capital of ByteDance Zhongrong Small Loan increased from 5 billion yuan to 9 billion yuan. At the beginning of this year, 360 (8.500, 0. 14, 1.67%) small loans experienced two rounds of capital increase, from 500 million yuan to 5 billion yuan, becoming the first small loan platform to increase its capital to 5 billion yuan in 2023.
Before the second capital increase of JD.COM Shengji Microfinance in March 1960, the registered capital of Shengji Microfinance also changed from 3 billion yuan to 5 billion yuan, an increase of 66.67%. This is the second capital increase of JD.COM Shengji Microfinance. Previously, in August of 20021year, its registered capital increased from1600 million yuan to 3 billion yuan.
The Interim Measures stipulates that the registered capital of microfinance companies engaged in online microfinance business is not less than 654.38+0 billion yuan, and the registered capital of microfinance companies engaged in online microfinance business across provincial administrative regions is not less than 5 billion yuan, all of which are paid-in monetary capital at one time.
Ji Shaofeng pointed out: "There are two reasons for Internet giants to increase capital and small loans on a large scale. First, everyone wants to grab the national Internet small loan license that may be approved. First, increase the capital to 5 billion yuan, and make preparations for entering the bank first; Second, some small loan companies have pressure on lending channels, and they have more registered capital in their hands, so they can independently put in some' water storage' and' adjustment'. "
Industry concentration has increased.
According to the latest microfinance industry data released by the central bank, by the end of the first quarter of 2023, there were 6,232 microfinance companies nationwide, while by the end of 20021,there were 6,453 microfinance companies nationwide, a decrease of 22 1 in one quarter.
Ji Shaofeng pointed out that the Internet giant's capital increase for small loans is to amplify the data, information channels and ecological advantages of the platform and turn them into profits through financial licenses. Traditional small loans are basically traditional and relatively inferior credit products, and their own operating conditions are not very good. With the regulatory requirements, the loan interest rate of small and micro enterprises has been lowered, which has increased the investment in small and micro enterprises and reduced the living space of traditional small loan companies.
For traditional small loan institutions, Ji suggested, first, focusing on the resources that shareholders and teams can influence, which is accurate and practical, and is a regular gameplay; Second, we need to seek the cooperation of multi-regional small loan companies, and licensed small loan cooperation will form a unified and batch scenario to implement. At the same time, it is necessary to be a "loan assistance" for banks to help them solve the financing problems of some small and micro enterprises.
Yu Baicheng said that local small loan companies should give full play to their flexibility and local advantages, form differentiated development with traditional financial institutions, and be "small and beautiful". exist
For the small loan institutions under the Internet giant, Chen Ning said that online small loans have a certain effect on Internet platform enterprises to build a complete ecology, build a closed-loop business, ensure data security and even enhance corporate valuation, especially when some enterprises have no other credit qualifications. In this case, the online small loan license is quite valuable for them to improve their business compliance level and prevent regulatory risks. In addition, for enterprises with rich background resources, rich business scenarios, abundant customer flow and strong technical strength, the online small loan license has a strong blessing force, which can be used to lay out small and micro enterprises' microfinance services in inclusive finance, especially to open up the "second curve" of business growth outside the "Red Sea" of consumer finance.
This article is from International Finance News.
Related questions and answers: