智通财经记者 | 冯丽君 在监管趋严、门槛抬高、行业变革加速的背景下，小额贷款公司正在面临"洗牌"。 央行数据显示，截至2025年9月末，全国共有小额贷款公司4863家，而2024年12月末，全国小额贷款公 司仍有5257家，今年前三季度小额贷款公司累计减少近400家，这相当于每天约1.5家小额贷款公司"消 失"。 保险系小贷公司亦面临相似命运，据智通财经不完全统计，中国人保、中国平安、阳光财险等险企近两 年均有清退动作。 十年前，为解决小微企业融资难问题，险企积极参与贷款保证保险业务与信用保证保险业务，部分险企 顺势切入小额贷款业务，将二者协同发展，但随着监管与经济环境变化，两大业务双双"黯然失色"。 多险企"撤退" 今年年初，中国平安全资子公司深圳平安金融科技咨询有限公司转让广州平安好贷小贷公司（下称"平 安好贷"）100%股权，受让方为上海耳序信息技术有限公司。 中国平安把资源集中在了另一边。今年7月，平安融易旗下金联云通小贷增资至100亿元，增幅达 100%，成为继抖音旗下中融小贷和腾讯旗下财付通小贷之后的第三家百亿小贷公司。 相关内部人士告诉智通财经，"此举是为了积极的提升小贷公司服务实体经济的能力 ...

Group 1 - The core viewpoint of the article emphasizes the unique functions of insurance, which include risk protection, risk reduction, and credit enhancement, particularly in supporting technological innovation and financial integration [1][2]. - In 2024, the insurance provided by the company for technological activities reached 31.1 trillion yuan, with a year-on-year growth rate exceeding 20% [1]. - The company has issued the first batch of major technology attack insurance and exclusive insurance for the low-altitude economy, among 11 industry-first policies [1]. Group 2 - The company’s research indicates that a high proportion of technology enterprises are in the startup and growth stages, characterized by "four highs and one light": high technology, high growth, high risk, high return, and light assets [2]. - Insurance can effectively align with the high-risk and light-asset characteristics of technology enterprises, providing necessary risk protection measures through product innovation [2]. - The company also assists technology innovation entities in risk assessment, hazard identification, and monitoring, thereby enhancing their risk resistance capabilities [2].