小贷机构10年锐减近4000家

Core Insights - The People's Bank of China reported that as of June 2025, there are 4,974 microloan companies in the country, with a loan balance of 736.1 billion yuan, a decrease of 18.7 billion yuan in the first half of the year [2] - The implementation of the "Interim Measures for the Supervision and Administration of Microloan Companies" has led to a significant reduction in the number of non-compliant microloan companies, with over 283 companies exiting the market in the first half of 2025, surpassing the total reduction of 243 companies in 2024 [4][5] Industry Overview - The microloan industry has seen a drastic reduction in the number of companies, with a total decrease of 3,977 companies from Q2 2015 to Q2 2025, representing a decline of 44.4%. The loan balance has also decreased by 223.3 billion yuan, a drop of 23.3% [5] - The number of industry employees has decreased by 72,070, a decline of 63.2% over the same period [5] Regulatory Actions - Various provinces have initiated concentrated clean-up actions against "lost contact" and "shell" microloan companies, with the Chongqing local financial management bureau identifying 19 companies for potential disqualification from pilot programs due to non-compliance [3][4] - The regulatory measures have been effective, with multiple provinces publishing lists of non-compliant companies, including 16 in Hunan and 109 in Yunnan [4] Future Outlook - Industry experts predict that the number of microloan companies may continue to decrease by approximately 20%, stabilizing around 4,000 companies, which is seen as a reasonable range for effective service in inclusive finance and high-quality industry development [7]