Chongqing Ctrip Small Loan increases to 5 billion yuan in industry shuffle intensified

Huaxia Times (chinatimes.net.cn) reporter Fu Le Ran East Beijing report

Recently, the registered capital of Chongqing Ctrip Loan Co., Ltd. (hereinafter referred to as "Chongqing Ctrip Small Loan"), a small loan company of Ctrip Finance, has increased to 5 billion yuan.

On August 2nd, the relevant person in charge of Ctrip Financial told the reporter of Huaxia Times: "In order to implement the supervision requirements and better serve small and micro, help the tourism industry revival, Chongqing Ctrip Micro Loan Co., Ltd. plans to increase capital. 2021 Before December 31st, the registered capital has been increased to 1.5 billion yuan, and recently has increased to 5 billion yuan. "

Chongqing Ctrip Small Loan has become the 11th small loan company with a registered capital of 5 billion yuan. Since last year, many Internet companies such as Tencent, Meituan, JD.com, Du Xiaoman, and byte beating have increased capital to increase their capital institutions. However, the other side of the coin is that since this year, all localities have cleared unsatisfactory small loan institutions, and the industry has shown capital increase and exit coexistence.

Increasing capital to 5 billion yuan

According to the company's investigation, the registered capital of Chongqing Ctrip Micro loan increased from 1.524 billion yuan to 5 billion yuan, and the subscription date was July 30.

This is the second time Ctrip Finance has increased capital to Chongqing Ctrip. At the end of last year, Chongqing Ctrip's registered capital has increased from 849 million yuan to 1.524 billion yuan.

The relevant person in charge of Ctrip Financial said: "In order to implement the supervision requirements and better service small and micro service, to help the tourism industry revive, Chongqing Ctrip Micro Loan Co., Ltd. plans to increase capital. Yuan RMB, recently increased capital to 5 billion yuan. "

In November 2020, the China Banking Regulatory Commission, together with the central bank and other departments, announced the "Interim Measures for the Management of Online Small Loan Business (Draft for Opinions)" (hereinafter referred to as the "Interim Measures"). As a result, it is required to prevent the healthy development of the industry from the risk of online small loan business and promote the healthy development of the industry. The "Interim Measures" requires that the registered capital of a small loan company operating a small loan business of online small loan business is not less than RMB 1 billion and operated across provincial administrative areas. Pay actual monetary capital.

Chongqing Ctrip Small Loan was formerly known as Chongqing Qudi Loan Company. At the end of 2021, Chongqing Funbai shareholders changed to Ctrip Fintech (Shanghai) Co., Ltd.

In addition, in addition to Chongqing Ctrip Micro Loan, Ctrip also owns Shanghai Ctrip Microcar Loan Co., Ltd. (hereinafter referred to as "Shanghai Ctrip Small Loan"). At present, the registered capital of Shanghai Ctrip is 200 million yuan.

The relevant person in charge of Ctrip Financial said that in order to implement the requirements of the "two ginseng and one control" in the "Interim Measures", the relevant work was promoted in an orderly manner to ensure that the compliance requirements were met.

According to the relevant "two -ginseng and one control" regulations in the "Interim Measures", the number of small loan companies that share the number of small loan companies operating online micro -loan business across provincial administrative regions shall not exceed 2, and the number of holdings must not exceed 1.

The reporter browsed the Ctrip Financial APP and found that in terms of consumer finance business, Ctrip Financial's main loan product "gets flowers" and "credit loans" and opened installment malls. The maximum amount of credit loan is 200,000 yuan, and the annualized interest rate starts from 7.2%.

Ctrip has always been in the financial business. As of now, Ctrip has a number of financial licenses such as third -party payment, virtual banks, small loans, consumer finance, financing guarantees, and insurance brokers.

Regarding the future layout of Ctrip in the financial business, Ctrip Financial's relevant person in charge said: "Ctrip Group is deeply cultivated in the tourism industry, so the development of Ctrip's financial business still mainly serves the group's main business. Expand and provide high -quality tourism financial services for partners. "

Industry concentration increases

Ctrip increased its capital to 5 billion yuan in small loans, not the first case in the industry.

In January of this year, the registered capital of 360's small loan companies increased from 1 billion yuan to 5 billion yuan, which is also the second time of 360 small loans. In February, Du Xiaoman's small loan company increased its capital to 7.4 billion yuan. In April, the byte beating its small loan companies increased from 5 billion yuan to 9 billion yuan, which was the third time its capital increase in two years. In June, Tencent's small loan company increased from 5 billion yuan to 10 billion yuan, which is the fourth capital increase in the past two years.

Last year, JD.com and Meituan's small loan companies increased their capital to 5 billion yuan. Earlier, Ant Group's small loan company increased to 12 billion yuan.

Analysts in a financial industry said that it is not difficult to understand that the small loan of small loans under the Internet platform is actually not difficult to understand. On the one hand, in order to seek the qualifications of cross -provincial exhibition industry and meet compliance requirements. On the other hand, it is easy to expand the scale of loans.

However, the other side of the coin is that since this year, small loan companies have begun to withdraw in batches, and they have cleaned out of compliance small loan institutions everywhere. Anhui, Jiangsu, Jiangxi and other places have successively disclosed the list of pilot business qualifications for small loan companies.

It is not difficult to see that the concentration of the small loan industry has gradually increased, showing a trend of concentration towards head institutions.

Su Xiaorui, a senior analyst of the financial industry, told the reporter of "Huaxia Times": "At present, the small loan industry has intensified, showing the phenomenon of coexisting 'increase capital' and 'departure'. The company's ability to resist risks and lay the foundation for the next scale expansion. Choosing to leave the market is the embodiment of the survival of the fittest industry.

She said that small loan institutions are an important part of a multi -level small and micro -financial service system that can help small and micro merchants play an important role in re -production and re -production, identifying financing needs, and judging credit status, and complement each other with traditional banks.In the future, there are many opportunities for cooperation between banks and small loan institutions.Editor -in -chief: Meng Junlian Editor: Zhang Zhiwei

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