Internet small loan company registration guide丨Shenzhen Internet small loan license application

Internet Small Loan Company Registration Guide丨Shenzhen Internet Small Loan License Application July 5 is in response to the spirit of the Shenzhen Local Financial Supervision Administration's "Notice on Strengthening Joint Punishment of Serious Untrustworthy Behaviors in the Shenzhen Online Loan Industry"，today，Shenzhen Internet Finance Association issued a notice on the "Shenzhen Internet Finance Association's Operational Code of Punishment for Distrust"。

According to the "Specifications"

Require

，Online loan borrowers who have been found to have committed serious breach of trust in accordance with the law，Overdue for more than 6 months，legal、necessary collection，and not pressed

Require

Submitting property declaration materials truthfully，Can be deemed to have serious breach of trust，Can be included in the list of seriously dishonest online loan borrowers。

Internet small loan companies may usher in unified supervision and regulate the credit lending of online loan borrowers.，On the other hand, Internet small loans have been suspended for nearly a year.，More than 200 online small loan companies approved and supervised by local financial regulatory authorities，There will also be a unified management approach。reported that，Many industry insiders revealed some regulatory signals，However, it is still in the discussion stage，The key points are as follows：

1. Registered paid-in capital of 500 million yuan，Leverage multiple 3-5 times。
2. The borrower is a natural person，The upper limit for a single investment is 200,000 or 300,000 yuan，Not yet determined;The borrower is a business，The upper limit for a single investment is 1 million yuan。
3. Offline lending is not allowed。
4. Strive to access the central bank’s credit reporting system within two years。

Online lending platforms continue to exit，The number of normal operating platforms has shown a downward trend, affected by the impact of the rapid development of Internet finance and financial technology as well as its own development limitations.，The development of small loan companies has slowed down in recent years，The situation of survival of the fittest in the industry intensifies。According to central bank statistics，2025The number of small loan companies in the first quarter of the year was 7,967，166 fewer companies than at the end of 2025，Loan balance decreased by 27.8 billion yuan compared with the end of 2025，to 927.2 billion yuan。

5month，The continued withdrawal of online lending platforms is still a prominent feature。Data display，As of the end of May，The number of normal operating platforms in the P2P online lending industry dropped to 914，21 fewer companies than at the end of April。According to incomplete statistics，5The number of closed and problematic platforms per month is 21，Mainly focusing on liquidation installment payment and economic investigation intervention platform。

The cumulative number of closed and problematic platforms reached 5,703，The cumulative number of platforms in the P2P online lending industry reached 6,617(Including suspension and problem platform)。“In the context of the gradual withdrawal of some platforms，The number of normal operating platforms in various regions has shown a downward trend.。"Guangdong、Beijing and Shenzhen continue to rank among the top three in terms of number of normal operating platforms，dropped to 196 respectively、195home and 93 homes。

Inner Mongolia、Hainan、Tianjin、Ningxia、Gansu、Heilongjiang、The number of normal operating platforms in both Qinghai and Yunnan is less than 10。

Specific matters regarding administrative licensing conditions：

1. Registered capital is not less than 100 million yuan
2. Main sponsor in the past three years (if established less than three years ago，Provide audited financial statements from the year of establishment to the previous year，Financial indicators (consolidated accounting statement caliber) should meet the following conditions：Total assets in the fiscal year before application must be no less than 1 billion yuan；Net assets are not less than RMB 50 million；The asset-liability ratio shall not be higher than 75%；The proportion of equity investment (including the intention to invest in the establishment of an Internet-specific small loan company) shall not exceed 50% of the net assets.。
3. As a domestic corporate legal person, the asset-liability ratio at the end of the fiscal year before applying for investment shall not be higher than 75%.；The proportion of equity investment (including the intention to invest in the establishment of an Internet-specific small loan company) shall not exceed 50% of the net assets.。
4. Natural person as investor，The following conditions should be met：Have full capacity for civil conduct；No criminal record；Have a good social reputation and integrity record；The investment funds are self-owned funds and come from legal sources，Proof of income and real estate covering the amount of investment、vehicle、deposit、Proof of assets such as securities。
5. The main sponsor’s capital contribution proportion of the proposed Internet-specific small loan company shall not be less than 30%，The shareholding ratio of other single shareholders shall not be less than 1%，Sole proprietorship allowed。

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