Today, Ant Financial said, "According to the relevant regulatory measures, the existing leverage ratio of two small loan companies under Ant exceeds the requirements of local financial offices. Ant Small Loan has formulated corresponding implementation plans for new regulations, and will gradually reduce the leverage ratio through various means such as capital increase and business cooperation to ensure that it fully meets the requirements under the guidance of supervision." For the first time, it was clearly acknowledged that the existing leverage ratio of its two small loan companies exceeded the regulatory requirements.
It is reported that in order to implement the new regulations, Ant Financial has previously increased its capital "urgently" to reduce the leverage ratio. 65438+February 65438+February 8, Ant Financial announced that it had increased its capital by 8.2 billion yuan to its two small loan companies, Chongqing Ant Microfinance Co., Ltd. and Chongqing Ant Shangcheng Microfinance Co., Ltd., and its registered capital increased significantly from the existing 3.8 billion yuan to 654.38+02 billion yuan.
It is reported that the latest ABS of ant flower bed has been completed. Due to higher-than-expected market demand, the circulation of this issue was temporarily raised from 2.5 billion to 4 billion. According to reports, the latest phase of restarted ABS is 654.38+0 billion yuan.
According to reports, at present, the stock of ABS issued by Ant Flower Garden only in the exchange market has reached 1 966,5438+0 billion yuan, and the loan is 1 34.6 billion yuan. The leverage ratio remains high.
It is understood that in the future, Ant Financial will continue to reduce leverage through capital increase and business cooperation to meet regulatory requirements. In the future, the amount of issuance will be reasonably arranged according to the regulatory policy.
He, a special researcher at Suning Financial Research Institute, said that judging from the release of ABS, although the rectification is being strengthened, the regulatory authorities may not be across the board, but give some buffer time or some easing measures, which is in line with the current development of consumer finance.
He Guangfeng said that from the perspective of supervision, it is to encourage the development of consumer finance with scenes and curb the development of cash loans similar to usury without scenes. At present, it is still an era of asset shortage, and high-quality assets are increasingly scarce. Good products, good markets and good exchanges are still welcome. Compared with many microfinance products, the quality of consumer credit products of Ant Financial and JD Finance is relatively high. Therefore, for giants like Alibaba, JD.COM and Suning, the regulatory authorities should still treat them differently.
Insiders said that in the future, some small loan companies will continue to increase their capital. On the other hand, some leverage requirements formulated by the Financial Office at that time may not meet a new situation in the current industry development, and some modifications and adjustments will be made. Detailed rules for ABS consolidated calculation should also be introduced.