早在2013年9月，百度和(he)京東的(de)小(xiao)額貸款公司業(ye)務(wu)均先后落戶上海(hai)嘉定。甚至(zhi)有(you)消息(xi)稱，攜程與(yu)搜房網也在上海(hai)籌劃發起小(xiao)貸公司。不過這一消息(xi)還未得到(dao)上述公司的(de)確(que)認。

    傳統電商網站大舉布局小(xiao)(xiao)貸(dai)公司(si)為何要扎堆上海(hai)？據(ju)了(le)解，根(gen)據(ju)現行的國家政策規定，小(xiao)(xiao)貸(dai)公司(si)從銀行業金(jin)融(rong)機構(gou)獲得融(rong)入資(zi)金(jin)的余額(e)，不得超過資(zi)本凈額(e)的50%，即杠桿融(rong)資(zi)倍數只能(neng)達到2倍上限。而上海(hai)地(di)區(qu)則對于(yu)(yu)互聯(lian)網金(jin)融(rong)采取了(le)相對寬松的優(you)惠政策。上海(hai)嘉(jia)定區(qu)此(ci)前曾(ceng)公開表示(shi)要打造金(jin)融(rong)硅(gui)(gui)谷(gu)，目標(biao)是近兩年初步建成上海(hai)新型(xing)金(jin)融(rong)產(chan)業發展集(ji)聚區(qu)。其中(zhong)，截(jie)至2016年，嘉(jia)定金(jin)融(rong)硅(gui)(gui)谷(gu)需設(she)立(li)包括小(xiao)(xiao)貸(dai)公司(si)、融(rong)資(zi)擔保、融(rong)資(zi)租賃機構(gou)不少于(yu)(yu)10家。

    有(you)業內(nei)分析人士表示，選擇政策優惠的地(di)區(qu)也是互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)公(gong)(gong)(gong)司(si)創立(li)小貸(dai)公(gong)(gong)(gong)司(si)所考慮的重要因素。上海嘉定區(qu)不僅取消了(le)互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)公(gong)(gong)(gong)司(si)的經(jing)(jing)營(ying)地(di)域限制，相比小貸(dai)公(gong)(gong)(gong)司(si)存在經(jing)(jing)營(ying)地(di)域限制，京東、百(bai)度小貸(dai)公(gong)(gong)(gong)司(si)被(bei)允(yun)許借助互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)平臺，向全國范圍的電商賣家發放小額貸(dai)款(kuan)，還允(yun)許互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)公(gong)(gong)(gong)司(si)以(yi)單一出(chu)資人身份設立(li)小貸(dai)公(gong)(gong)(gong)司(si)，即互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)企業可以(yi)作為主發起人，聯(lian)(lian)(lian)合其關聯(lian)(lian)(lian)企業或子公(gong)(gong)(gong)司(si)共同注(zhu)資小貸(dai)公(gong)(gong)(gong)司(si)并實現100%控股，滿足互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)公(gong)(gong)(gong)司(si)全資擁有(you)小貸(dai)公(gong)(gong)(gong)司(si)的經(jing)(jing)營(ying)要求。京東、百(bai)度就是以(yi)公(gong)(gong)(gong)司(si)100%控股方式發起的小貸(dai)公(gong)(gong)(gong)司(si)。