北京商报讯（记者 廖蒙）小贷行业治理持续进行中。9月2日，北京商报记者注意到，天津市地方金融管理 局日前公示82家"失联""空壳"地方金融组织名单，涵盖小贷公司、融资租赁公司、商业保理公司等三类机 构。公告显示，相关机构可在公示期30日内提出书面申辩，否则需到市场监管部门办理注销、更名或经营 范围变更（不得含地方金融组织字样），后续天津地方金融管理局拟取消其业务资质，并提请市场监管部 门依法处理。 "各地根据辖内实际情况对小贷公司进行监管，有利于消除其潜在非法集资、违规放贷等隐患，并规范市 场秩序，营造良好的金融环境，保护消费者权益。可以预见的是，后续小贷行业监管将持续加码，针对各 项经营活动的政策将更为细化，包括强化日常检查、提高信息披露要求等。"王鹏表示。 本次公示的82家机构中，包括天津市东丽区鑫德丰小额贷款有限公司、天津市滨联小额贷款有限责任公 司、天津力豪小额贷款有限公司、天津弘泰天源小额贷款有限公司、天津市中展小额贷款有限公司、天津 友大小额贷款有限公司6家小贷机构。 北京市社会科学院副研究员王鹏指出，结合各地披露的公告内容来看，为做好地方金融组织管理工作，防 范化解地方金融组织风险，地方金融管理 ...

Core Viewpoint - The small loan industry is experiencing a "total contraction and head expansion" differentiation pattern due to ongoing regulatory crackdowns on local financial organizations, leading to the identification and elimination of "lost" and "shell" companies [1][2]. Group 1: Regulatory Actions - The Tianjin Municipal Financial Management Bureau has published a list of 82 "lost" and "shell" local financial organizations, including small loan companies, requiring them to either appeal within 30 days or face cancellation of their business qualifications [1]. - Similar actions have been taken in other provinces, with Hunan, Yunnan, and Guangdong also announcing the removal of numerous small loan companies for being "lost" or "shell" entities [1]. - The regulatory push is driven by national-level stringent oversight of local financial organizations, aiming to eliminate non-compliant institutions [1][2]. Group 2: Regulatory Framework - In August 2024, the Financial Regulatory Bureau issued a notice to strengthen oversight of local financial organizations, targeting the elimination of "lost" and "shell" companies within three years and restricting the establishment of new institutions during the regulatory period [2][3]. - The notice emphasizes a structured reduction in the number of local financial organizations, with specific guidelines to ensure compliance and address long-standing operational issues [2]. Group 3: Industry Trends - As of December 2024, the number of small loan companies in China decreased to 5,257, a reduction of 243 from 2023, with a further decline to 4,974 by June 2025, indicating a continuous downward trend [4]. - Despite the overall contraction, leading institutions are increasing their capital, with 26 small loan companies collectively raising nearly 6.5 billion yuan since 2025, indicating a shift towards stronger players in the market [4]. - The industry is moving towards a healthier direction as non-compliant and poorly managed institutions are being eliminated, while capable capital is entering the market, fostering a "survival of the fittest" environment [4].