多地发布监管细则 规范小贷机构经营行为

Core Viewpoint - The recent issuance of regulatory guidelines for small loan companies in Hebei and Shanxi provinces aims to enhance the supervision and management of the industry, promoting compliance and risk management practices [1][2][3]. Regulatory Developments - The Hebei Provincial Financial Management Bureau released the "Implementation Guidelines for the Supervision and Management of Small Loan Companies" to enforce the "Interim Measures for the Supervision and Management of Small Loan Companies" [1]. - The guidelines stipulate that small loan companies must operate within their approved regional scope and can only expand beyond provincial boundaries under specific conditions, such as having a registered capital of over 500 million yuan and a good compliance record [2]. Risk Management and Compliance - The Shanxi guidelines emphasize the establishment of internal control and risk management systems that align with the company's business nature and scale, allowing smaller companies to simplify their organizational structures [3]. - Companies are required to report significant risk events within 24 hours and general risk events within five working days to local financial management departments [3]. Industry Trends - The small loan industry is experiencing a tightening regulatory environment, with over ten regions announcing the exit of non-compliant institutions this year [4]. - As of June 2025, the total number of small loan companies in China has decreased to 4,974, reflecting a reduction of over 200 companies compared to the end of 2024 [4]. Future Outlook - Experts suggest that the focus for small loan companies should be on developing localized financial products, adhering to regulatory requirements, and enhancing consumer protection to foster a sustainable industry environment [6].