Port communicationCurrent status of online microfinance company registration、2025Internet Small Loan Industry Analysis 2025 Shenzhen Internet Small Loan Company Industry Current Situation Interpretation On July 5, 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"，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。
Online small loan players who have already launched small and micro financial services，According to resource endowment, it can be roughly divided into the following categories:：First, Internet players，Ali small loan、Jingdong small loan、Tenpay small loan、Represented by Meituan Small Loan, etc.，Such players take advantage of Internet scenarios, especially e-commerce and payment scenarios.，Accumulated a large amount of small and micro customer and transaction data，Achieved good results within their respective business ecosystems。
The second is traditional financial players，Yihanhua、Represented by Ping An and others，Such players themselves have been deeply involved in related financial fields for a long time.，For example, Hanhua Financial Holdings，As the dual leader in the guarantee industry and small loan industry，Founded in 2004，2014Listed in Hong Kong，It has 9 small loan companies，Five of them obtained online small loan qualifications。
According to its 2025 financial report，As of December 31, 2025，The balance of assets managed by Hanhua’s small and micro credit business segment is RMB 7.349 billion，A year-on-year increase of 20.8%，And has gradually formed small and micro finance、Standard Financial、Three major business directions of platform finance，Have a fast-moving consumer loan、Jiayedai、golden tax loan、Several core products such as cluster loans。
The third is players who approach from the perspective of supply chain，Take traditional manufacturing companies such as Haier、Skyworth、Represented by small loan companies affiliated to TCL and other companies，Such players start from their own upstream and downstream enterprises.，Focus on deep cultivation within the supply chain to meet the financing needs of upstream and downstream enterprises。
Fourth, technology company players，Represented by Bairong Yunchuang’s digital finance small loan，This type of player starts from the perspective of credit reporting technology，Accumulated a certain degree of data capabilities through credit reporting business、Risk control capabilities，and small and micro financial business experience，Apply for an online small loan license，Carry out credit business。
The fifth is ecological players of small, medium and micro enterprises，Represented by Kingdee Small Loan，This type of player focuses on existing ecological customer groups、data、scene，Extending the original ERP software services to develop financial value-added services，Establish a credit reporting company、Small loan companies gradually increase their focus on small and micro finance。
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。
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