11月20日，深圳市地方金融管理局发布公告，同意深圳市财付通网络金融小额贷款有限公司（下称"财 付通小贷"）完成新一轮增资，注册资本由105.26亿元增至150亿元。 公告显示，深圳市腾讯网域计算机网络有限公司出资42.5亿元，深圳市腾讯计算机系统有限公司出资约 2.24亿元，均以货币形式注入。 增资完成后，财付通小贷股权结构保持不变。其中，深圳市腾讯网域计算机网络有限公司持股比例 95%，深圳市腾讯计算机系统有限公司持股比例5%。 自2020年以来，这已经是财付通小贷第6次增资。此次增资后，其注册资本在全国网络小贷机构中排名 第二，仅次于字节跳动旗下中融小贷的190亿元。 近年，小贷行业呈现冰火两重天态势。一部分小贷公司为了满足监管新规，将注册资本增至50亿元及以 上；另一些自身经营不善的小贷公司，则选择主动离场。 5年来6次增资 财付通小贷成立于2013年10月，是腾讯控股旗下的小额贷款公司。据天眼查，马化腾间接持有该公司接 近60%股权，为实际控制人。 财付通小贷业务涵盖小额贷和互联网贷，主要产品有"分付"和"分期"。其中，微信分付资金由财付通小 贷及合作金融机构提供；微信分期资金仅由合作金融机构提供， ...

继搜狐旗下狐狸互联网小额贷款（宁波）有限公司（以下简称"狐狸小贷"）被注销试点资格之后，浙江 阿里巴巴小额贷款股份有限公司（以下简称"阿里小贷"）也于近日完成注销。今年以来，包括北京、广 东、甘肃、江西、重庆、湖南、湖北、云南、江苏、大连、内蒙古、四川等多地公告注销、清退的小额 贷款机构已超300家。我国小贷行业仍在深度洗牌。 依据央行公布的2025年二季度小额贷款公司统计数据报告，截至2025年6月末，全国共有小额贷款公司 4974家，较一季度末的5081家减少了107家；贷款余额7361亿元，上半年减少187亿元。自今年1月份以 来，全国多个省份启动对不合规小额贷款公司的集中清退行动，仅上半年小额贷款公司缩减的数量就已 超过了2024年全年的减少量。 招联金融首席研究员董希淼对《经济参考报》记者表示，地方金融监管部门根据《关于进一步加强地方 金融组织监管的通知》要求，对数量庞大的地方金融组织采取"控新增、降存量"的策略，对部分经营不 善、风险较大或者已经处于空壳状态的小贷公司予以清退，有助于净化地方金融秩序，防范和化解金融 风险。未来，预计包括小贷公司在内的地方金融组织数量整体上将继续呈现下降趋势。 "地 ...

Core Viewpoint - The small loan industry in China is undergoing a significant "shuffle" due to strict regulations and industry changes, leading to the cancellation of many non-compliant small loan companies across various regions [1][4][5]. Group 1: Regulatory Actions - Multiple regions, including Beijing, Yunnan, Hunan, Inner Mongolia, and Shenzhen, have announced the cancellation of operating qualifications for several non-compliant small loan companies, focusing on "zombie" and "missing" companies [1][4]. - Shenzhen's local financial management bureau has published a list of companies identified as "missing" or "shell" small loan companies, mandating their exit from the industry within 60 days [2][3]. - The central bank reported that as of March 2025, there are 5,081 small loan companies in China, a reduction of 176 from the end of 2024, with a loan balance of 736.6 billion yuan, down 18.3 billion yuan in the first quarter [1][4]. Group 2: Industry Trends - The ongoing cleanup of small loan companies reflects a broader trend of tightening regulation and the need for the industry to evolve towards a more standardized and healthy direction [6][7]. - Experts indicate that the reduction in the number of small loan companies is driven by both external regulatory pressures and internal challenges faced by companies in finding effective business models [6][7]. - The industry is expected to continue experiencing a decline in the number of local financial organizations, including small loan companies, as regulatory bodies implement strategies to control new entries and reduce existing ones [5][6]. Group 3: Future Outlook - The market for small loan companies is anticipated to become more differentiated, with stronger and more compliant companies expected to thrive by focusing on serving underserved sectors such as small enterprises and low-income populations [8]. - Companies are advised to enhance their governance structures, risk management systems, and operational transparency to adapt to the evolving regulatory landscape [8]. - There is a call for regulatory bodies to expedite the development of guidelines for online small loans, particularly focusing on companies with low registration capital that engage in nationwide lending [8].