Port communicationShenzhen registered small loan company main sponsor company since the end of last year，The state’s efforts to rectify the small loan industry have become much more intense than before.，For many companies that skirt around policies,，Clear out of financial markets。Because in the past two years, the small loan market，It's really quite confusing，Now we can only make drastic rectifications.。 Are small loan companies defined as financial enterprises?，10There has been controversy over the years。
Small loan companies are essentially engaged in financial business，It is also a legal institution approved by the local financial office.，In theory, it should be with the corporate finance company、Auto finance companies are also included in the scope of non-bank financial institutions。However，This sounds like something that should be done but it has not been implemented for a long time.，The reason，On the one hand, this is because there are so many small loan companies、uneven，There is even a mixture of good and bad in some areas，It is difficult for the state to make up its mind to treat its financial enterprises。
Microfinance is similar to a pawn shop company，There are also differences。
The specific registered capital of microfinance companies
Require
More general，only
Require
Not less than 15 million yuan，The regulations on the registered capital of pawn shops are relatively detailed.，
Require
Relatively strict，
Require
Registered capital - the minimum limit is 3 million yuan，Registered capital for engaging in real estate mortgage pawn business - the minimum limit is 5 million yuan，Engaged in property rights pledge and pawn business，Registered capital - the minimum limit is 10 million yuan。
Just looking at the registered capital，The threshold for microfinance companies is obviously much higher than that of pawn shops.。 Slowing economic development，In many provinces and cities across the country, the total revenue and total profits of the same industry have shown negative growth.，The risk control and revenue scale of Shenzhen's small loan industry remain at a high level。
2025Year，Shenzhen's small loan industry reported operating income of 5.449 billion yuan，Added value was 1.856 billion yuan，A year-on-year increase of 51.65%，The expected increase is national–high。Industry report net profit reaches 1.635 billion yuan，Added value was 1.017 billion yuan，A year-on-year increase of 165%。 traditional small loan、What is the difference between P2P and Internet small loans?
P2P micro lending is a business model that pools very small amounts of funds and lends them to people in need of funds.。
Its social value is mainly reflected in meeting personal financial needs、Three aspects: developing personal credit system and improving the utilization rate of idle funds in society.，By a qualified online credit company (third-party company、website) as an intermediary platform，with the help of internet、Mobile Internet technology provides a network platform for information release and transaction realization，borrow、Lenders and lenders connect to meet their respective lending needs。
In P2P online lending，Internet platforms can only play the role of “information intermediary”，Provide information intermediary services，Loans cannot be issued directly。 Access conditions for main sponsor companies to register small loan companies in Shenzhen Small loan companies should be initiated and established by the main sponsor organization。
The main sponsor should be a legal person enterprise registered in Shenzhen according to law，and should meet the following conditions： (1) Net assets of more than 50 million yuan，And the asset-liability ratio is not higher than 70%。Other investors should meet the following conditions： Natural persons as investors，Must have full capacity for civil conduct；Purchase a fixed residence in Shenzhen；No criminal record and bad credit record；Good income status，Have strong ability to resist risks。
(2) Other enterprises or social organizations as investors，It must be legally established and the investor and its legal representative must have no bad credit record or criminal record；Good financial condition in the past three years，Have strong business management capabilities and financial strength。
Entry thresholds for other investors in Shenzhen small loan companies Other investors should meet the following conditions： (3) Natural persons as investors，Must have full capacity for civil conduct；Purchase a fixed residence in Shenzhen；No criminal record and bad credit record；Good income status，Have strong ability to resist risks。
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