广西壮族自治区地方金融管理局近日发布第一批30家"失联""空壳"地方金融组织名单，名单中包括南宁 市达利行小额贷款股份有限公司、梧州市同舟小额贷款有限责任公司、贵港市景泰惠民小额贷款有限公 司、平南县安怡达小额贷款有限公司、南宁市长通小额贷款股份有限公司等19家小额贷款公司。 广西壮族自治区地方金融管理局表示，公示名单所列公司享有陈述、申辩权利，相关公司如有异议，应 于公示发布之日起30日内向其提出书面陈述、申辩意见。30日公示期满未提出陈述、申辩的，视为放弃 此权利。相关公司要及时到市场监督管理部门办理机构注销或变更名称、经营范围手续，变更后不得含 地方金融组织字样。公示期满后，该局拟撤销公示名单中小额贷款公司业务资质，并提请市场监督管理 部门对符合《中华人民共和国公司法》《企业信息公示暂行条例》相关情形的，依法吊销公司营业执照 或列入经营异常名录。 不单单是广西整治小贷行业，重庆市地方金融管理局在月初发布2025年11月重庆市小额贷款公司退出行 业公示，包括人保小贷、重庆市江北区天晨小额贷款有限责任公司、重庆市彭水县天顺祥小额贷款股份 有限公司、重庆乐视小额贷款有限公司、重庆市阿拉丁小额贷款有限公司、重庆 ...

Core Viewpoint - The article highlights the challenges faced by small and micro enterprises in rural areas, particularly in securing financing, and how innovative financial solutions like those offered by Fenqi Le Puhui are addressing these issues through technology and localized services [1][6][7]. Financing Challenges - Small micro enterprises, such as grape growers in Lingbi County, face significant funding challenges due to high operational costs, including labor, land rental, and agricultural inputs [3][6]. - Traditional banking processes for agricultural loans are lengthy and cumbersome, often taking a month or more, which is not suitable for time-sensitive agricultural activities [3][6]. Innovative Financial Solutions - Fenqi Le Puhui utilizes a "technology + scenario" approach to enhance financial accessibility for small enterprises by integrating various data sources and conducting on-site verifications [1][7]. - The company has developed a risk identification system that leverages industry-specific data to create detailed profiles of potential borrowers, improving the efficiency of loan approvals [7][8]. Localized Service Model - Fenqi Le Puhui operates through a network of local branches, providing tailored financial services that cater to the unique needs of rural businesses, thus overcoming traditional geographical limitations in financial services [9][10]. - The company has established a presence in over 30 provinces with more than 2,000 direct sales teams, enhancing its ability to serve small enterprises effectively [9]. Economic Impact - The grape industry in Lingbi County is a vital source of income, with a total planting area of over 7,000 acres and an estimated output value of around 350 million yuan [6]. - Despite challenges, grape growers like Wang Yu are experiencing significant harvests, with potential revenues of 400,000 to 500,000 yuan this year, although prices are lower than previous years [4][6].

Summary of Jiangsu Jinzu's Conference Call Company Overview - **Company**: Jiangsu Jinzu - **Industry**: Financial Leasing Key Points Financial Performance - **Asset Growth**: Jiangsu Jinzu's asset scale maintained double-digit growth, with new investments of approximately 57 billion yuan in the first half of 2025 [2][3] - **Revenue Growth**: Operating net income increased by nearly 15% year-on-year [2][3] - **Net Profit**: Net profit showed single-digit growth [2][3] - **Non-Performing Loan Rate**: The non-performing loan rate stood at 0.91%, indicating stable overall operations [2][3] Business Structure and Strategy - **Business Segments**: The company actively optimized its business structure, focusing on three main segments: high-end equipment, clean energy, and transportation [2][3] - **Investment in Segments**: New investments in clean energy and transportation were approximately 10 billion yuan each, with year-on-year growth of 25% and nearly 60%, respectively [2][3] - **Risk Management**: Emphasis on balancing risk and return in new investment projects, avoiding blind pursuit of scale growth [2][3][13] Financing and Cost Management - **Financing Rates**: The average financing rate for new investments was about 2.46% [2][10] - **Cost Reduction**: The company implemented measures to reduce financing costs, including increasing short-term financing and selectively adding medium to long-term financing tools [2][10] - **Fee and Commission Expenses**: Net fee and commission expenses rose significantly to 120 million yuan, primarily due to changes in the automotive finance business model [2][11] Market Position and Competitive Strategy - **Target Market**: Jiangsu Jinzu focuses on small and micro enterprises and individual clients, differentiating itself from competitors [4][19] - **Partnerships**: The company has established deep partnerships with over 6,000 manufacturers and dealers, enhancing its competitive edge [17][19] - **Technology Investment**: Significant investments in technology and digital operations to improve efficiency and reduce costs [18][19] Future Outlook - **Dividend Policy**: The company plans to maintain a dividend payout ratio of over 50% for the year, continuing its positive dividend trend [4][21] - **Market Adaptation**: Jiangsu Jinzu will continue to adapt its strategies based on market conditions, focusing on diversified industry distribution to mitigate risks [13][14][20] Challenges and Considerations - **Regulatory Environment**: The company must balance its dividend policy with regulatory requirements to retain sufficient capital for risk management [4][21] - **Impact of Policies**: The company is monitoring the effects of policies such as the 301 Act on its shipping business, which has seen some impact but remains manageable [15][16] Conclusion Jiangsu Jinzu demonstrates strong operational resilience in a complex macro environment, with a focus on sustainable growth, risk management, and technological advancement to maintain its competitive position in the financial leasing industry.

Core Insights - The core focus is on enhancing financing efficiency and reducing barriers for small and micro enterprises, as emphasized by the United Nations' "Micro, Small and Medium Enterprises Day" [1] - The integration of technology and strategy in modern risk control is highlighted, with an emphasis on quantifying risks through big data and measurement techniques [1] Group 1: Financing Efficiency and Regulatory Measures - The regulatory bodies in China have set a goal for 2025 to improve the quality and efficiency of financial services for small and micro enterprises, aiming for "maintaining volume, improving quality, stabilizing prices, and optimizing structure" [1] - The measures include improving credit approval processes and risk management models through technological advancements, enhancing fraud detection capabilities, and increasing early warning identification [1] Group 2: Innovative Risk Control Models - The company has developed a data loan product that addresses the diverse financing needs of small and micro enterprises by integrating various data sources, including online business, judicial, and credit data [2] - The self-developed fusion model outperforms traditional statistical scoring models by accommodating more data dimensions and demonstrating over 20% higher accuracy compared to conventional models [2] Group 3: Information Acquisition and Risk Management - Traditional risk control methods rely heavily on offline manual information collection, which is inefficient and prone to inaccuracies [3] - The company has innovated its risk control model by utilizing multi-dimensional data for cross-validation, ensuring the accuracy and reliability of information [3] Group 4: Future Directions and Technological Integration - The company is exploring remote due diligence methods to enhance efficiency and reduce operational costs [4] - Plans are in place to leverage data and model capabilities throughout the entire credit process, with a focus on advancing intelligent approval systems [4]