幸福消费金融增资至10亿元后，还有5家消金机构注册资本未达标

Core Viewpoint - Hebei Happiness Consumer Finance Co., Ltd. has completed a capital increase to meet regulatory requirements, raising its registered capital from 637 million yuan to 1 billion yuan, with an additional capital of 363 million yuan [1][3]. Group 1: Company Overview - Happiness Consumer Finance was established in 2017 and is the first consumer finance company in Hebei Province, with a total of three shareholders: Zhangjiakou Bank (47.1%), Shenzhou Youche (39.25%), and Blue Whale Holdings (13.65%) [3]. - The company’s total assets reached 12.592 billion yuan by the end of 2024, reflecting a year-on-year growth of 10.24%, while total liabilities were 11.145 billion yuan, up 9.5% [3]. Group 2: Regulatory Compliance - The recent capital increase aligns with the new regulatory requirements set forth in the "Consumer Finance Company Management Measures," which mandates a minimum registered capital of 1 billion yuan and a major shareholder's stake of at least 50% [4]. - Since the implementation of the new regulations in April 2024, five licensed consumer finance companies have completed capital increases, with Happiness Consumer Finance being one of them [4]. Group 3: Industry Context - The capital increase is seen as a significant step for mid-to-low tier consumer finance companies, indicating a trend where companies are working to enhance their capital strength and compliance [4]. - Many institutions that have not yet completed capital increases are struggling with poor performance, reflecting a lack of confidence from shareholders regarding their development [5].