为了厘清本次纠纷，记者联系了宁波银行相关负责人。该负责人表示，虽然该投诉人注销了抖音"放心 借"账户，但是其贷款额度的有效期限是截止到2026年8月。"(银行)严格按照客户签署的《征信查询及 提供授权书》，是没有问题的。"该负责人还强调，截至目前，宁波银行未收到客户或平台传输的注销 额度申请，因此在额度有效期间，正常进行"贷后管理"查询。但同时，该负责人也表示，上述流程确实 容易导致客户"误解"。 尽管投诉人不愿"现身说法"，宁波银行也否认银行自身存在违规问题。但这一纠纷还是尖锐地揭示了当 前征信业务中的一些问题——金融机构的系统性风控逻辑与消费者个体感知的业务终止状态之间，存在 着巨大的认知与信息鸿沟。 银行的查询依据，或许是内部尚未及时更新的数据，抑或是与第三方平台之间复杂合作合同中延续的授 权条款；而消费者则认为，账户注销即意味着业务关系与查询授权的彻底终结。消费者与银行的各执一 词，暴露出机构在"合法、正当、必要"查询原则执行上的弹性与模糊性。 那么，商业银行在用户完成账户注销操作后，依旧以"授信额度存在"为由，持续发起征信查询的行为， 究竟是否合理？ 在接受央视网记者采访时，上海金融与发展实验室首席 ...

Core Viewpoint - The Shenzhen Municipal Financial Management Bureau has released the list of small loan companies rated C and above for 2025, indicating a decrease in the overall number of rated companies and reflecting the increasing operational pressures in the industry [1][4]. Group 1: Rating Overview - A total of 97 small loan companies were rated in Shenzhen for 2025, with 11 rated A, 18 rated B, 16 rated C, 21 rated D, and 31 rated E [1][3]. - Compared to 2024, the overall number of rated companies decreased by 7, with A-rated companies decreasing by 7, B-rated increasing by 2, C-rated decreasing by 8, and D and E-rated companies increasing by a total of 5 [1][3]. Group 2: Company Classification - The 11 A-rated companies can be categorized into three groups: 3 internet-based companies, 4 state-owned enterprises, and 4 private enterprises [4]. - The top tier of A-rated companies includes internet-based firms such as Zhongrong Small Loan (CNY 19 billion) and Tencent's Financial Payment Small Loan (CNY 15 billion), which utilize major online platforms for customer acquisition [4]. - The second tier consists of state-owned small loan companies, including Shenzhen Guarantee Group's Zhongxia Small Loan (CNY 3 billion) and Longgang District's Jintong Small Loan (CNY 3 billion) [4][5]. Group 3: Regulatory Context - The regulatory approach for the small loan industry is focused on "supporting the strong and limiting the weak," providing policy support to leading institutions while promoting the orderly exit of high-risk and inactive companies [5]. - The Shenzhen Municipal Financial Management Bureau aims to assess the operational management and risk status of small loan companies comprehensively, facilitating a graded regulatory approach to promote the sustainable development of the small loan industry [5][6].

Core Points - Shenzhen Financial Management Bureau approved the increase of registered capital for Shenzhen Tencent Financial Technology Microloan Co., Ltd. from RMB 10.5263158 billion to RMB 15 billion, with an additional capital of RMB 4.4736842 billion [1] - Tencent's two subsidiaries contributed to the capital increase, with Shenzhen Tencent Network Co., Ltd. investing RMB 4.25 billion and Shenzhen Tencent Computer Systems Co., Ltd. investing RMB 223.6842 million [1] - Since 2020, Tencent's microloan company has undergone five capital increases, growing from an initial RMB 300 million to RMB 15 billion, representing a 50-fold increase in five years [1] Industry Overview - Nearly 30 microloan companies have increased their capital this year, with notable examples including Ping An's Jinlian Yuntong Microloan increasing from RMB 5 billion to RMB 10 billion [2] - The top three microloan companies by registered capital are ByteDance's Zhongrong Microloan (RMB 19 billion), Tencent's Financial Technology Microloan (RMB 15 billion), and Ping An's Jinlian Yuntong Microloan (RMB 10 billion) [2] - As of September 2025, the number of microloan companies in China decreased to 4,863 from 5,257 at the end of 2024, indicating a trend of consolidation in the industry [2] - Tencent does not hold a consumer finance license, despite being a major player in the microloan sector [2] - Other significant players in the internet microloan space include JD's Jingdong Shengji (RMB 8 billion) and Baidu's Du Xiaoman (RMB 7.4 billion) [2]