【Fintech 周报】年内超400家小贷退出；小红书拿下支付牌照；央行连续第12个月增持黄金

Regulatory Dynamics - The People's Bank of China has increased its gold reserves for the 12th consecutive month, reaching 74.09 million ounces (approximately 2,304.457 tons) as of the end of October, up by 30,000 ounces (approximately 0.93 tons) from September [2] - The State Administration of Foreign Exchange reported that China's foreign exchange reserves rose to $3.343 trillion at the end of October, up from $3.339 trillion at the end of September, influenced by major economies' monetary policies and macroeconomic data [2] Industry Dynamics - Seven banks have surpassed 100,000 private banking clients, with notable growth rates exceeding 10% in several institutions, including Minsheng Bank, Beijing Bank, and Nanjing Bank, which all reported growth rates above 15% [6] - The number of small loan companies in China has decreased to 4,863 as of the end of September, with a total loan balance of 722.9 billion yuan, reflecting a significant industry contraction [7] - The insurance sector has seen a 30% year-on-year increase in technology insurance premium income in the first three quarters of the year, significantly outpacing the industry average [7] Corporate Dynamics - Qingdao Bank announced that Guoxin Chanquan Holdings increased its stake in the bank's H-shares by 49 million shares, raising its total ownership from 13.55% to 14.39% [8] - Ant Group has restructured its organization, upgrading its digital healthcare division to a health business group, aiming to make healthcare a strategic pillar of its operations [8] - Xiaohongshu has acquired a payment license by fully controlling Dongfang Electronic Payment Co., increasing its registered capital from 121.3 million yuan to 200 million yuan [8] - Xinjiang Rural Commercial Bank has received approval to establish, marking the sixth provincial-level rural commercial bank in the country, with assets exceeding 700 billion yuan [9] - Jiujiang Bank has initiated a capital increase plan, proposing to issue up to 860 million domestic shares and 175 million H-shares [10]