Китайская ассоциация интернет-финансов создала рабочий комитет по саморегулированию интернет-кредитования; Chengdu Bank увеличила капитал до 4,24 млрд юаней | Финансовое утреннее обозрение

|3 April 2026, Friday|

**NO.1 **Office of the State Council: Encourage enterprises with higher credit assessment grades to lower requirements for pledge and guarantee

Recently, the General Office of the State Council issued the Implementation Plan on Establishing a Comprehensive Enterprise Credit Status Evaluation System. It mentions that it will encourage financial institutions to rely on the national unified financing credit service platform network to reasonably use public credit assessment results and improve credit granting, risk assessment, and interest and fee pricing models. It will encourage lowering pledge and guarantee requirements for enterprises with higher credit assessment grades, gradually expanding the coverage of credit loans and increasing the proportion of credit loans.

Commentary: For enterprises with high credit grades, the financing threshold and cost are expected to decline substantially, which will be beneficial for quality enterprises, especially small and micro enterprises, to obtain more convenient credit support. From an industry trend perspective, the deep integration of public credit assessment with the risk control systems of financial institutions will accelerate the shift of credit resources from “heavy collateral” to “heavy credit,” promoting high-quality development of inclusive finance.

**NO.2 **China Fintech Association carries out preparations for the Internet lending self-discipline working committee

On April 2, the China Internet Finance Association issued a notice stating that it will establish an “Internet lending self-discipline working committee,” responsible for self-discipline management duties. According to the needs for setting up the working committee, at this stage, the association secretariat will take the lead in establishing a preparatory group for the working committee, inviting certain industry institutions engaged in internet loan facilitation business to participate, focusing on preparations for the development of the internet loan facilitation business.

Commentary: Establishing a dedicated self-discipline working committee will help promote industry standards, regulate business conduct, and protect the rights and interests of financial consumers. From an industry trend perspective, regulation and self-discipline equally emphasized will become the main tone in the internet lending field. Concerns among consumers about “chaotic practices” in internet lending are expected to be alleviated.

**NO.3 ****Chengdu Bank increases capital to 4.24 billion yuan

The National Enterprise Credit Information Publicity System shows that recently Chengdu Bank underwent industrial and commercial changes; its registered capital increased from approximately 3.74 billion yuan to 4.24 billion yuan, an increase of about 13%.

Commentary: Chengdu Bank’s capital increase is a positive signal for regional banks to strengthen capital strength and solidify risk-absorption capacity. From an industry perspective, as business expands and regulatory requirements for capital adequacy ratios increase, it has become the norm for small and medium-sized banks to “refill their capital” through capital increases and share expansions. This capital increase will help Chengdu Bank further expand the space for credit deployment and support local economic development.

**NO.4 ****Huagui Insurance increases capital to 2.615 billion yuan

Tianyancha shows industrial and commercial information indicating that recently Guizhou Huagui Life Insurance Co., Ltd. underwent industrial and commercial changes; its registered capital increased from 2.0 billion yuan to 2.615 billion yuan, an increase of about 31%. Shareholder information shows that the company is jointly held by China Guizhou Moutai Distillery (Group) Co., Ltd., Huakang Insurance Agency Co., Ltd., Guizhou Gui’an Capital Operation Co., Ltd., and others.

Commentary: The insurance industry is currently in the deep-water zone of transformation; a capital increase helps the company improve its solvency adequacy ratio, providing a more ample capital buffer for new business expansion and risk prevention and control. Against the backdrop of slower growth in the life insurance sector and intensified competition, whether Huagui Insurance can achieve a differentiated breakthrough by leveraging the capital increase still needs to be observed in terms of the effectiveness of its product innovation and channel development.

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