"从多地发布的监管细则特征来看，相关内容均强调加强对违规和不正当经营行为的清理，明确禁止出 租、出借牌照等行为，并对跨省经营及风险管理方面进行了详细规范，这有利于推动整个行业朝着更加 成熟、透明和合规的方向发展。"中国银行研究院研究员李一帆向《证券日报》记者表示，在此背景 下，部分小贷公司将根据实际需要有序调整，"合规提质增效"将成为行业显著特征。同时。随着监管持 续强化，国内小贷行业的发展将更加健康、规范。此外，各地结合实际制定监管细则，也有助于辖区内 小贷机构因地制宜地服务实体经济发展。 此前，山西省地方金融管理局也印发了《小额贷款公司监督管理实施细则等三个制度的通知》（以下简 称《山西省小贷机构实施细则》）。综合来看，除多地发布小贷机构监管细则外，包括北京、云南、湖 北、四川等多地正陆续清退、注销辖内不合规小贷机构。 推动行业健康发展 2024年12月31日，国家金融监管总局印发《小额贷款公司监督管理暂行办法》，要求省级地方金融管理 机构对本地区小额贷款公司的监督管理和风险处置负总责。小额贷款公司设立、终止等重大事项统一由 省级地方金融管理机构负责，不得下放。 《河北省小贷机构实施细则》明确，辖区内小额 ...

Core Viewpoint - The ongoing cleanup of non-compliant microloan companies in China is intensifying, with multiple regions reporting the withdrawal and cancellation of over a hundred such institutions since the beginning of the year [1][2]. Group 1: Regulatory Actions - Various local financial management bureaus have announced the exit of microloan companies, including specific announcements from Hubei, Sichuan, Inner Mongolia, Yunnan, Jiangxi, and Dalian, indicating a systematic approach to eliminate non-compliant entities [2]. - The Beijing Local Financial Supervision Administration has published a list of eight microloan companies classified as "missing" or "shell" companies, mandating them to apply for cancellation during the public notice period from April 23 to May 22, 2025 [1]. Group 2: Industry Trends - The regulatory framework for microloan companies has been strengthened since the release of the "Interim Measures for the Supervision and Administration of Microloan Companies" in early 2025, promoting healthier and more standardized industry practices [3]. - The trend of "reducing quantity and improving quality" is becoming a significant characteristic of the industry, allowing compliant microloan companies to gain more market space and better serve the real economy [3]. Group 3: Future Development Strategies - To achieve compliant operational development, microloan companies should focus on two main areas: reinforcing compliance foundations and deepening specialization in targeted sectors [4]. - Companies are encouraged to strictly limit their business scope, adhere to regulatory requirements, and enhance consumer rights protection while developing localized and specialized financial products to improve business flexibility and accessibility [4].