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The integration of existing online small loan licenses continues to rise, and related companies of Xinye Technology fully acquire Ruimaotong small loan

白云追月素
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Recently, the interface news reporter learned that after Yuantong was approved to acquire a wholly-owned online small loan license in December 2023, the well-known listed company in the loan aid industry, FINV, also obtained a wholly-owned Internet small loan license through affiliated companies.
This means that Xinye Technology may use a new online small loan license to carry out joint and self operated loan businesses in addition to the assisted loan model, which will also help it strengthen its own business compliance.
Specifically, on January 26, Guangzhou Local Financial Supervision and Administration Bureau approved the transfer of 100% equity of Guangzhou Ruimaotong Internet Microfinance Co., Ltd. to Shanghai Erxu Information Technology Co., Ltd., and changed the corresponding articles of association. After the transfer is completed, Shanghai Erxu Information Technology Co., Ltd. holds 100% equity of Ruimaotong Xiaodai and becomes its main initiator.
Public information shows that Ruimaotong Small Loan was established in May 2017 with a registered capital of 300 million yuan, registered in Guangzhou, and its controlling shareholder is Zhengzhou Ruimaotong Supply Chain Co., Ltd. After equity penetration, Ruimaotong Xiaodai is a small loan company under Zhengzhou Zhongrui Industrial Group.
The other party to the transaction, Shanghai Erxu Information Technology Co., Ltd., is registered in Shanghai and its wholly-owned controlling shareholder is Shanghai Zihe Information Technology Group Co., Ltd. The shareholders of the company are Zhang Jun, Li Tiezheng, Hu Honghui, and Gu Shaofeng, each holding 25% of the shares. It is reported that the above four are all members of the founding team of Xinye Technology (formerly known as Paipaidai).
As a well-established listed financial technology company established in 2007, Xinye Technology has gradually completed the transition from P2P mode to loan assistance mode in the past 14 years. It remains one of the top industry companies in China's consumer finance and loan assistance fields in terms of loan balance scale.
Recently, Xinye Technology has reorganized its financing guarantee licenses.
In November 2019, Xinye Technology established a new financing guarantee company - Fujian Zhiyun Financing Guarantee Co., Ltd., registered in Fuzhou City, Fujian Province, with Miao Meng as the legal representative. As of January 2024, the registered capital of the company has reached 1.3 billion yuan, and its business scope includes financing guarantee services such as loan guarantee, bill acceptance guarantee, trade financing guarantee, project financing guarantee, and letter of credit guarantee.
In addition, Xinye Technology has also participated in multiple financial licenses through various means such as investment.
Among them, in terms of online small loan licenses, in 2017, Hefei Paipaidai Information Technology Co., Ltd. invested in Huibang Small Loan, but the proportion of investment was relatively low. In December 2019, Paipai Dai also announced that it had completed its equity investment in Fujian Strait Bank, subscribing to 281 million newly issued shares and holding 4.99% of the bank's shares. At the same time, both sides will reach strategic cooperation in various areas such as consumer finance.
According to Interface News reporters, online small loans are still a financial license urgently needed by the lending industry with national lending qualifications. As early as 2017, regulatory authorities had issued a notice on immediately suspending the approval of online small loan companies. So far, the approval of online small loan companies has not yet been opened.
According to incomplete statistics by Interface News reporters, as of March 2017, over 80 online small loan licenses have been approved nationwide, with Guangdong Province having the highest number of 29, mainly concentrated in Guangzhou.
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