"增资潮"和"出清潮"，正在小贷行业同时上演。 近日，平安融易旗下金联云通小贷公司注册资本由50亿元增资100%至100亿。据券商中国记者统计，今年以 来，有26家小贷公司共计增资约64.99亿元。除了增资额高达50亿元的金联云通，有3家公司实现了超亿元级增 资。 与此同时，券商中国记者据央行公开数据统计，截至今年3月末，我国小贷公司一年来减少了409家。 增资潮起 天眼查APP显示，上月末，平安融易旗下金联云通小贷公司注册资本由50亿元增资100%至100亿元。增资后， 这家平安系小贷公司成为仅次于字节跳动旗下中融小贷公司（注册资本190亿元）和腾讯旗下财付通小贷（注 册资本105亿元）的全国第三大小贷公司。 金联云通成立于2016年8月，经营范围包括小额贷款业务、票据贴现业务、资产转让业务和代理业务等，由平 安融易（黑龙江）信息服务有限公司、融熠有限公司、未鲲（上海）科技服务有限公司、锦炯（深圳）科技服 务有限公司共同持股。工商信息显示，这些股东均为平安集团旗下平安普惠和陆金所的关联公司；同时，该公 司董事长为平安普惠全国总部总经理助理尹源，董事刘盈和陈东起等也均为平安普惠、陆金所的高管。 除了金联云通， ...

Core Viewpoint - The "Big and Beautiful" Act, signed by President Trump, aims to extend tax cuts and includes various provisions affecting multiple industries, while also raising concerns about long-term fiscal implications and increasing federal deficits [1][2]. Winners - **Chip Manufacturers**: The Act increases tax credits for chip manufacturers building new factories in the U.S. from 25% to 35%, incentivizing domestic production [3]. - **Energy Companies**: The Act reopens oil and gas leasing auctions and lowers royalty rates, benefiting oil and gas producers [5]. - **Airlines**: A $12.5 billion fund is allocated for modernizing air traffic control systems, which is supported by airline executives [6]. - **Real Estate Developers**: The Act expands tax incentives for commercial real estate investors, including a 12% increase in low-income housing tax credits [7]. - **Defense Contractors**: The Pentagon plans to invest approximately $150 billion over five years in defense projects, benefiting companies like Lockheed Martin [8]. - **Private Student Loan Institutions**: Changes in federal student loan limits may drive more students to private lenders like SoFi [9]. - **Manufacturers**: The Act provides tax deductions for manufacturing costs for factories that begin operations after January 19, 2025 [10]. Losers - **Electric Vehicle Manufacturers**: The Act terminates subsidies for electric vehicle purchases, posing challenges for companies like Tesla and Ford [12]. - **Solar and Wind Energy Companies**: The expiration of specific tax credits for renewable energy projects may lead to a decline in orders and customer retention [13]. - **AI Companies**: The removal of a provision to pause state-level AI regulations may hinder innovation in the sector [13]. - **Certain Colleges**: A new tiered tax rate on investment income for private colleges may negatively impact prestigious institutions like Harvard and Yale [14]. - **Food Companies**: Cuts to the SNAP program could lead to decreased sales for major food companies reliant on SNAP beneficiaries [15]. - **Logistics Companies**: The elimination of tax exemptions for small packages may reduce demand for shipping services from companies like FedEx and UPS [16].

平安融易旗下金联云通小额贷款公司增资至100亿 增幅100% 智通财经7月3日电，天眼查App显示，近日，黑龙江金联云通小额贷款有限公司发生工商变更，注册资 本由50亿人民币增至100亿人民币，增幅100%。该公司成立于2016年8月，法定代表人为尹源，经营范 围包括小额贷款业务、票据贴现业务、资产转让业务和代理业务等，由平安融易（黑龙江）信息服务有 限公司、融熠有限公司、未鲲（上海）科技服务有限公司、锦炯（深圳）科技服务有限公司共同持股。 ...

Core Viewpoint - The FHFA has directed Fannie Mae and Freddie Mac to prepare for recognizing cryptocurrency as an asset for mortgage applications, aligning with the vision of making the U.S. a "cryptocurrency capital" [1][2] Group 1: Regulatory Changes - The directive indicates a significant shift in asset verification standards for mortgage qualification, potentially increasing access for buyers with cryptocurrency assets [1][3] - The FHFA's move is seen as a response to the declining mortgage application numbers amid a housing crisis in the U.S. [2][3] Group 2: Market Impact - Following the announcement, Bitcoin reached a historic high of $108,000, while Ethereum and Solana experienced slight declines [2] - The recognition of cryptocurrency could open up substantial federal loan opportunities, as evidenced by the 760,000 personal housing loans worth $230 billion issued in 2024 [3] Group 3: Challenges and Considerations - The volatility of cryptocurrencies poses risks, with significant price fluctuations complicating the risk assessment models for loans backed by such assets [4] - Experts caution that borrowers using cryptocurrencies as collateral must maintain thorough transaction records due to the potential for rapid changes in net worth [4]

量身定制，灵活匹配贷款额度 鲁信小贷深入山东省各县区对当地特色农业产业全链条进行考察调研，与地方政府部门、农业龙头企业 对接，整合金融和非金融资源，通过"政府搭台、企业唱戏、金融赋能"，根据产业链条上各环节经营主 体的实际情况，结合市场需求，灵活匹配贷款额度，合理确定贷款利率、贷款期限及还款方式，最大限 度满足客户多样化、多层次融资需求。以单县青山羊养殖产业为例，鲁信小贷强化与当地国有农业龙头 企业合作，结合单县肉羊养殖产业融资需求特点，创新金融产品和服务模式，持续深化金融赋能，形成 青山羊从养殖、屠宰加工到销售的全产业链支持模式。围绕核心企业，推出"以羊定贷、购羊放贷、售 羊还贷、闭环运行"的金融服务模式，保证了借款用途真实，还款来源可靠，全力支持当地青山羊养殖 产业发展。 精准服务，带动农户增收致富 鲁信小贷充分发挥国有企业社会责任，围绕"土特产"做文章，以优质金融服务精准赋能产业发展，致力 于把"产业贷"打造成农民增收致富的"新引擎"，助力特色产业成为强村富民的"金钥匙"，实现"产业 兴，百姓富，乡村美"。以水果批发产业为例，鲁信小贷通过为济清·江楠国际水果交易中心经营主体补 充资金缺口，支持园区项目建 ...

脱胎于百度的度小满，依托其强大的技术背景和广泛的市场推广，实现了业绩的迅猛增 长。 2024年，其小额贷款业务营收达22.57亿元，净利润更是同比暴增305.2%，达到 8.59亿元 ，展现出强大的盈利能力。 脱胎于百度生态的金融科技平台，以一份惊艳的财报重回公众视野 。 度小满的盈利密码 吴楠 那么，度小满究竟是如何赚到这么多钱的？ 度小满的盈利密码，首先在于其核心的信贷业务 。作为小额贷款公司，度小满主要提供消费贷和 经营贷服务，贷款利息收入是其重要营收来源，早在2022年，度小满累计放贷金额就已突破2万亿 元。 与此同时，度小满还与信托、银行等金融机构合作开展助贷业务，由合作方提供资金，度小满负责 获客、风控及贷后管理，通过收取服务费或分润盈利，这种模式本质上是一种 "流量变现"的方式 。 而这一商业模式的兴起，与近年来金融监管政策的变化密切相关。2021年三季度，监管部门对商 业银行、消费金融公司、小 贷机构等金融机构 提出窗口指导，要求将个人贷款利率全面控制在 24%以内。政策出台后，包括度小满在内的多家平台不得不调整原有的高息产品结构。为了保留原 有客户资源，它们 选择将部分高利率贷款需求导流至其 ...

六部门：引导消费金融公司提升自主获客和自主风控能力 合理确定贷款综合利率水平 中国人民银行等六部门联合印发《关于金融支持提振和扩大消费的指导意见》。《意见》指出，拓展多 元化消费融资渠道。引导消费金融公司提升自主获客和自主风控能力，合理确定贷款综合利率水平。发 挥汽车金融公司专营特色功能，丰富居民购车消费信贷产品供给，做好对汽车经销商的信贷支持。规范 小额贷款公司业务发展，聚焦服务小微企业、个体工商户和农户等群体促进扩大商品服务生产和消费。 鼓励商业银行、消费金融公司、汽车消费公司和小额贷款公司在符合监管要求前提下，相互合作、优势 互补，开发符合各类消费场景需求的金融产品。 ...

美国联邦住房金融局（FHFA）局长Bill Pulte：鲍威尔正在（通过美联储持续维持政策利率不变来）伤 害美国民众和抵押贷款市场。 ...

智通财经APP获悉，根据经络按揭转介研究部最新数据显示，5月份的经络按揭息率指数(MMI)，即反 映普遍按揭新客户一般可做到的实际按息水平，最新报2.8%，月环比急跌74点子，创31个月新低。 另一方面，最新5月份美国最新消费者物价指数(CPI)报2.4%，稍高于4月的2.3%，失业率则持平报 4.2%，因关税对通胀的影响仍有待观察，曹德明认为，美联储即将公布的议息结果将继续按兵不动， 相信美联储将根据未来数月通胀走势，如情况可控，料下半年仍有一次减息机会。 经络按揭转介首席副总裁曹德明表示，5月份超过95%经络按揭新客户选用H按计划，而香港金管局于5 月份4度入市，使银行体系总结余升至1740亿港元水平，热钱涌入使HIBOR急速下跌。5月份平均一个 月HIBOR报1.47%，相比4月的3.65%急跌2.18%，使MMI跟随大幅回落。现时按息回落，可减轻置业人 士供楼负担，对香港楼市有正面支持作用。 另外，今日一个月HIBOR报0.54%，以普遍H按计划"H+1.3%"计算，今日H按实际按息报1.84%，较封顶 息率3.5%大幅减少1.66%。曹德明指，近期新股香港市场气氛炽热，热钱持续涌入香港，如果市场对港 ...

Core Viewpoint - The listing plans of Fannie Mae and Freddie Mac are generating significant attention and confusion on Wall Street, with uncertainties surrounding the implementation and potential impacts of these plans following their government takeover after the 2008 financial crisis [1] Group 1: Government Conservatorship Complexity - Fannie Mae and Freddie Mac were placed under government conservatorship during the 2008 financial crisis, receiving approximately $187.5 billion in support to prevent a housing market collapse [3] - The current financial status of both institutions has improved significantly, with ample cash flow and good operating conditions [3] - New guidelines from the U.S. Treasury and the Federal Housing Finance Agency have granted the Treasury final approval authority for ending the conservatorship, aiming to ensure an orderly transition away from government control [3] - The process of ending conservatorship involves complex legal procedures, capital restructuring plans, and regulatory framework adjustments, each of which could impact the timeline for implementation [3] Group 2: Market Reaction and Risk Assessment - The stock prices of Fannie Mae and Freddie Mac have experienced significant volatility, with increases of 570% and 470% respectively since 2025, reflecting strong market reactions to privatization expectations [3] - Following the election of Trump, the stock prices surged by 143% and 116% within a month, indicating concentrated investment risks [3] - Moody's recently downgraded the long-term senior unsecured debt ratings of both institutions from the highest level to the second highest, with a stable outlook, reflecting a relative weakening of government support capabilities [4] - Fannie Mae and Freddie Mac account for approximately 50% of the U.S. residential real estate market, with this proportion exceeding 80% since the subprime crisis, holding and guaranteeing assets totaling about $5.5 trillion [4] - Any structural changes in these institutions could impact mortgage rates and, consequently, the stability of the entire real estate market [4]