日前，腾讯旗下深圳市财付通网络金融小额贷款有限公司（简称"财付通小贷"）获监管批复增资45亿元，注册资本将跃升至150亿元。从2020年至今，财 付通小贷5年时间里增资了6次，注册资本扩张了50倍。 对小贷公司来说，注册资本的增加可不是单纯的数字变更。 根据监管规则，小贷公司融资杠杆上限为"1+4"——1倍非标准化融资+4倍标准化融资。按这个算法，150亿注册资本能让财付通小贷理论上撬动高达750 亿元的放贷资金池。 "以此为基数，若按照助贷中的联合贷模式走，按照监管'联合贷款出资比例不低于30%'的要求来算，再参考'合作互联网贷款余额不得超过银行全部贷款 余额的50%'规定，财付通所能撬动的贷款规模在1000亿-1500亿元。"博通咨询资深分析师王蓬博表示。 财付通小贷累计6次增资 财付通小贷注册资本增至150亿元后，在全国网络小贷机构中排名第二，仅次于字节跳动旗下的深圳市中融小额贷款股份有限公司的中融小贷注册资本190 亿元。 目前各互联网大厂均持有小贷牌照，方便平台流量变现。零壹智库根据企业预警通数据不完全统计，截至2025年7月，国内注册资本超过50亿元的网络小 贷公司共有12家，基本有大厂背景，也是 ...

Group 1 - Zhejiang Alibaba Microloan Co., Ltd. (referred to as "Ali Microloan") has changed its registration status from active to cancellation due to a resolution for dissolution [1] - Ali Microloan, established in March 2010, was the first company in China to obtain an online microloan license, with a registered capital of 300 million yuan [1] - The company primarily served small and micro businesses and individual entrepreneurs on e-commerce platforms, playing a significant role in Ant Group's early financial layout [1] Group 2 - With the establishment of MyBank in 2015, Ali Microloan's business was gradually taken over, and it has not operated in recent years [1] - The formal cancellation process began in February 2024, with a liquidation group established, marking Ali Microloan's official exit from the market [1] - MyBank, which was approved to operate, has gradually taken over all of Ali Microloan's business operations [1] Group 3 - MyBank is an internet commercial bank that provides financial services to small and micro enterprises and online consumers, initiated by six shareholders including Ant Financial [3] - As of the end of 2024, MyBank's asset scale reached 471.035 billion yuan, reflecting a 4.2% growth from the beginning of the year, ranking second among 19 private banks [3]