Against the backdrop of tightened regulation of medical beauty loans, this medical beauty company has obtained an online small loan license?
A change in industrial and commercial information shows that an online small loan license owned by Tonglian Pay that can be used nationwide has changed hands. The new shareholder is Soyo Medical, the first Internet medical beauty company listed in the United States. beautiful.
The first "Internet medical beauty" company to obtain an online small loan license
An equity change statement shows that this "Internet celebrity" medical beauty company is acquiring an online small loan license license, all original shareholders have withdrawn.
The National Enterprise Credit Information Publicity System displays the latest equity changes.
For example, Beijing Xinyang Technology Co., Ltd. was established on November 8, 2013, with the legal representative Jin Xing and a registered capital of 3.5471 million yuan. The company's business scope includes technology promotion services, hospital management (excluding diagnostic and treatment activities subject to approval), medical research (excluding diagnostic and treatment activities subject to approval), organizing cultural and artistic exchange activities (excluding performances), etc. Shao Hui holds 59.73 shares, Jinxing holds 37.75 shares, and Yu Tao holds 2.52 shares. The company owns 12 foreign-invested enterprises.
From the perspective of equity structure, this also means that SoYoung Medical Beauty, which was listed overseas in May 2019 and is known as the first Internet medical beauty stock, has completely won Tonghua Small Loan 3354, a company A company that can carry out online loan business nationwide.
Behind this supplementary capital requirement is a new regulatory policy: On November 2, 2020, the China Insurance Regulatory Commission and the Central Bank jointly issued the "Interim Measures for the Management of Online Small Loan Business (Draft for Comment)" (hereinafter (referred to as the "Draft for Comments"), it is clearly stated that the registered capital of small loan companies engaged in online small loan business shall not be less than 1 billion yuan, and shall be a one-time paid-in monetary capital. The registered capital of a small loan company operating online small loan business across provincial administrative regions shall not be less than RMB 5 billion, and shall be a one-time paid-in monetary capital.
Why did Tonglian Pay’s license change hands?
It can be seen from the equity penetration that the shareholders of the above three companies all have the old payment institution 3354 Tonglian Payment. The full name is Tonglian Payment Network Services Co., Ltd. (hereinafter referred to as Tonglian Payment). It was established in October 2008. It is the first established payment institution to obtain a third-party payment license issued by the central bank. It is headquartered in Shanghai.
Industrial and commercial information shows that Tonglian Pay’s current largest shareholder is Minsheng Life Insurance, with a shareholding ratio of 41.1; Xinhua Life Insurance is the second largest shareholder, with a shareholding ratio of 9.07; Shanghai Shangdao Investment is the third largest shareholder , the shareholding ratio is 9.04. Sky-check shows that Tonglian Pay’s largest shareholder has previously been China Wanxiang Holdings Co., Ltd. In May this year, Wanxiang Holdings withdrew its shares and paid Tonglian Pay.
The above-mentioned Shanghai Tonghua Jinke Investment Holdings, according to its official website information, “has so far expanded its presence in multiple financial sectors, mainly including inclusive credit, inclusive financial management and big data services, covering commercial factoring , small loans, consumer installments, quantitative funds, standard financial product sales, non-standard financial product trading platforms, big data credit reporting, financial IT outsourcing and other businesses. ”
Lianfu pays to shareholders with more than 5 shares. shareholders.
Another senior person in the capital operation of an online small loan company in North China also made a similar analysis. The capital increase requirement of 5 billion in paid-in capital and the shrinking license value caused by the uncertain prospects in the new regulatory environment may be the reasons for the withdrawal. "The feedback period for the "Draft for Comments" one month earlier has passed. At present, the formal normative documents have not been released, and the situation (funding threshold and time limit) is unclear. But (supervision) has basically been adjusted, and a three-year rectification period has been set Period.
Regulations on medical beauty loans are becoming stricter
Recently, the State Administration for Market Regulation has also announced that the medical beauty industry is in chaos, driven by profits, some medical beauty institutions are losing control of consumers. It creates "appearance anxiety" and "body anxiety" and warns the industry about the prominent phenomenon of false propaganda and over-publicity.
In May 2019, SoYoung Medical Beauty went public in the United States, with a market value of US$1.823 billion on the first day of listing; however, due to changes in business after listing, as of the end of the third quarter , the number of paying medical institutions on the SoYoung platform reached 4,841 in the third quarter, a year-on-year increase of 18.2%; the number of medical service providers subscribing to information services was 2,242, compared with 2,146 in the third quarter of 2020; the total number of users making appointments was 174,200 , the total amount of medical beauty transactions facilitated by the platform was 755.4 million yuan.
On November 15, SoYoung Data Research Institute’s “Robo Report” and Ipsos jointly released the “2021 Quality Life Report White Paper”. The report found that high-net-worth individuals still have great potential in spending on medical aesthetics: 56% of high-net-worth individuals have experienced medical aesthetics projects, and 22% of the 44% who have not experienced medical aesthetics projects are willing to try medical aesthetics consumption. Medical users and potential medical users account for more than 70%; more than 52% of the respondents spend less than 10,000 yuan per year, and 90% of the respondents spend less than 50,000 yuan per year on medical treatment and beauty.
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The 6 trillion track suddenly surged! The United Kingdom and the United States have introduced stimulus policies, one of which is expected to detonate the trillion-dollar "Peace King". Will 10 billion passive funds be about to buy it? Related Q&A: What is Tonglian Payment Network Services Co., Ltd. Tonglian Payment Network Services Co., Ltd. is a joint-stock company owned by Shanghai International Group, Shanghai International Trust Co., Ltd., China Wanxiang Group, Zhejiang Junhui Jewelry and other institutions** *Established with capital contribution, the date of establishment is October 16, 2008. The company's address is on the 12th floor, Building 1, No. 55, Jinhu Road, China (Shanghai) Pilot Free Trade Zone. The business scope of Tonglian Payment Network Services Co., Ltd. includes currency exchange, Internet payment, bank card acquiring, computer software services, computer system design, integration, installation, debugging and management, data processing and related technical business processing services, etc. The external companies invested by Tonglian Payment Network Services Co., Ltd. include Shenzhen Tonglian Financial Network Technology Services Co., Ltd., Shanghai Tonghua Jinke Investment Holdings Co., Ltd., Shanghai Tonghua Asset Management Co., Ltd., Wanglian Clearing Co., Ltd., and Shanghai Guohe Modern Services Industrial Equity Investment Management Co., Ltd., etc. The holding companies of Tonglian Payment Network Services Co., Ltd. include Shanghai Tonglian Yinhua Payment Network Services Co., Ltd., Beijing Tonglian Wanshang Enterprise Service Co., Ltd., Shanghai Tonghua Huixin Intelligent Technology Co., Ltd., Hebei Tonghua Financial Services Co., Ltd., and Tonglian Business Services Ltd etc. Shareholder introduction: Shanghai International Group Co., Ltd. ("Shanghai International") was incorporated on April 20, 2000, with a registered capital of RMB 10.56 billion. Authorized by the Shanghai Municipal People's Government, it carries out investment, capital operation and asset management business with a focus on finance and supplementation by non-finance, conducts financial research, and provides social and economic consulting services. Shanghai Trust: Shanghai International Trust Co., Ltd. ("Shanghai Trust") is a non-bank financial institution controlled by Shanghai International Group Co., Ltd. It was established in 1981 with a registered capital of 2.5 billion yuan. Its main business includes securities investment trust business and financial leasing. Debt trust business, loan-debt trust business, equity trust business, asset securitization business, etc. China Wanxiang Group: Wanxiang Group was founded in 1969. Its main business is the production and sales of auto parts. It has established a service network in the global market and provides warehousing and distribution services to global customers. Wanxiang Group ranks 112th among China's top 500 enterprises and 58th among China's top 500 manufacturing companies. It also ranks first among China's auto parts manufacturing companies.
Related Q&A: Who can talk about Tonglian Payment Network Services Co., Ltd.?
I know! The company's finance department is now using Tonglian Pay's Yunshangtong. With this system, the company's accounting is much more convenient. And I heard that big companies like Vanke also cooperate with Tonglian Pay, which is really good!