（来源：北京商报） 北京商报讯（记者 岳品瑜 董晗萱）小额贷款公司加速"洗牌"中。1月7日，北京商报记者注意到，又有 多地开启新一轮小贷清退。 1月4日，山东省地方金融管理局决定取消枣庄市市中区万科小额贷款股份有限公司、寿光市华天通小额 贷款股份有限公司等8家试点资格。稍早前，该地36家小贷公司试点资格被一举注销。 2025年12月31日，湖南省地方金融管理局公示全省"空壳""失联"地方金融组织名单，其中包含宁乡县鑫 源小额贷款有限公司、常德天顺小额贷款有限公司等5家。广东省地方金融管理局公告显示，同意注销 广州民金小额贷款有限公司业务资质，该公司不得继续从事或变相从事小额贷款业务，营业场所标识、 网站、微信公众号等须同步清理或变更，相关债权债务等按规定由股东或变更后存续的市场主体承接。 回顾2025年，类似的清退、注销公告不胜枚举。据北京商报记者不完全统计，2025年全国已有超400家 小贷公司告别市场。 事实上，小贷公司数量自十年前来到8965家的峰值后，就开始连年锐减，至今已缩水近半。截至2025年 9月末，全国共有小额贷款公司4863家，贷款余额7229亿元，前三季度累计减少319亿元。 不仅是业务较 ...

Core Viewpoint - The small loan industry is undergoing a significant "cleansing" process due to strict regulations and industry changes, with a notable increase in the number of companies being eliminated from the market [2][5][9]. Group 1: Industry Cleansing Process - Since 2025, the small loan industry has seen an accelerated exit process, with 354 companies identified as "lost," "shell," or having their licenses revoked across multiple provinces [2][4]. - Specific examples include Yunnan province announcing 109 companies, Guangdong revealing 45 companies, and Inner Mongolia canceling 16 companies' pilot qualifications [4]. - The Guangdong Financial Management Bureau has mandated that companies listed as "lost" or "shell" must exit the industry within 60 days, or face revocation of their business qualifications [4][5]. Group 2: Regulatory Environment - The recent wave of company exits is driven by ongoing regulatory policies aimed at reducing the total number of local financial organizations within three years [5][9]. - The National Financial Supervision Administration has issued guidelines to enhance the supervision of small loan companies, focusing on those that are "lost" or "shell" [5][9]. Group 3: Financial Penalties - The People's Bank of China imposed a record fine of 2.491 million yuan on Chongqing Xiaoyudian Small Loan Co., marking the largest single penalty in the industry’s history [6]. - The fine was attributed to issues related to credit information management, which have since been rectified [6]. Group 4: Industry Concentration and Future Outlook - The small loan industry is expected to see increased concentration as non-compliant and poorly managed institutions are eliminated, allowing stronger players to thrive [8][10]. - Notable capital inflows are occurring, with companies like Jinlian Yuntong increasing their registered capital significantly, indicating a shift towards more robust financial backing in the sector [8]. - As of March 2025, the number of small loan companies has decreased to 5,081, with a loan balance of 736.6 billion yuan, reflecting a contraction in the market [8].