Requirements for applying for a financing guarantee company, Regulation, Material

Financing guarantee companies established in this city, It should be initiated by 1-2 corporate legal persons or natural persons as the main sponsors.

Corporate legal person as the main sponsor, The following conditions should be met:

(1)management practices, Good credit, Strong strength.

(2)Continuous operation for more than 3 years, Profitable for the past 2 consecutive fiscal years, The cumulative net profit in the past three years has been more than 10 million yuan, The asset-liability ratio is not higher than 70%, Net assets are not less than 50 million yuan, In principle, after the implementation of this investment, the long-term investment amount shall not exceed 60% of the net assets..

Natural person as main sponsor, The following conditions should be met:

(1)Have the financial strength to initiate investment, Have a certain industrial background and have certain influence in the industry, Be able to issue corresponding valid certificates.

(2)No important bad credit record, No major bad employment records and no criminal records, etc..

2.Financing guarantee companies established in this city, The minimum registered capital limit is RMB 100 million. Registered capital is paid-in monetary capital. District and county-led establishment, Financing guarantee companies that mainly provide financing guarantee services to small and medium-sized enterprises within their jurisdiction, Registered capital requirements can be appropriately reduced.

Initiated and established by a single corporate legal person as the main sponsor, In principle, the shareholding ratio should not be less than 30%;Initiated and established by 2 corporate legal persons as the main sponsors, In principle, the shareholding ratio shall not be less than 20%.;Established by a natural person as the main sponsor, Should hold an appropriate proportion of equity.

Generally, the sponsors should have certain industry background, Sustained investment capabilities and risk tolerance, In principle, the investment amount shall not be less than 5 million yuan.

3.Establish a financing guarantee company, Should meet the following requirements:

(1)There is a main sponsor who complies with the preceding paragraph., Conditions stipulated by general sponsors, etc..

(2)Have a charter that complies with the provisions of.

(3)Have shareholders with the ability to continuously contribute capital.

(4)Have registered capital that complies with the provisions of these Trial Measures.

(5)Have qualified directors, supervisor, Senior managers and qualified practitioners.

(6)Have a sound organizational structure, Internal control and risk management system.

(7)There is a business premises that meets the requirements.

(8)Other prudential conditions.

4.director, supervisor, Senior managers should have qualifications that meet the requirements of the inter-ministerial joint meeting, Obey the law, Honesty and trustworthiness, Have professional knowledge appropriate to the position held, Work experience and organizational management skills.

5.Practitioners should participate in special guarantee, Financial and other aspects training, Have professional skills appropriate to the position held, Have good awareness of legal compliance and prudent business operations.

6.Establish a financing guarantee company, The main sponsor shall submit the application materials for establishment to the district or county where the company intends to register.. Application materials should include:

(1)application. The name of the financing guarantee company to be established should be stated., address, Matters such as registered capital and business scope.

(2)feasibility study report.

(3)Draft Charter.

(4)List of shareholders and their capital contributions, Equity structure.

(5)Capital verification certificate of shareholder’s capital contribution, Credit certificate and relevant information of shareholders.

(6)Proposed Director, supervisor, Resumes and qualifications of senior managers.

(7)Business development strategy and planning.

(8)Documents proving business place.

(9)law firm, Legal opinions and audit reports issued by accounting firms.

(10)Other documents and information that need to be submitted.

Districts and counties that carry out management of financing guarantee business shall pre-examine the above application materials as required., After passing the pre-examination, the application materials and pre-examination opinions will be reported to the Municipal Finance Office. The Municipal Finance Office solicits the opinions of relevant member units of the Municipal Joint Meeting and believes that it meets the requirements of relevant regulations., Issue documents agreeing to its establishment.

7.The applicant shall apply within 6 months from the date of obtaining approval from the Municipal Finance Office for its preparation documents., Complete preparatory work. Failure to complete the preparatory work within the prescribed time limit, Reasons should be given, After review by the competent authorities of the district or county where the proposed registration is located, and reported to the Municipal Finance Office for approval., Can be extended appropriately. Preparatory work has not been completed within the extension period, The original approval document issued by the Municipal Finance Office automatically becomes invalid..

The establishment institution shall not engage in any financing guarantee business activities.

8.After the applicant completes the preparatory work, A written submission should be submitted to the district and county competent authorities for pre-acceptance of the preparation work.. After passing the pre-acceptance, The district and county competent authorities shall submit a written request to the Municipal Finance Office for formal acceptance of the preparatory work.. After formal acceptance is passed, The Municipal Finance Office shall issue an approval for the opening of the financing guarantee company., and issue a financing guarantee company operating license. Financing guarantee company approved to open for business, Application for registration should be made to the industrial and commercial department with the approval document and business license..

Financing guarantee companies shall within 3 months from the date of obtaining the business license, Failure to register with the industrial and commercial department without legitimate reasons, The original business license issued by the Municipal Finance Office automatically becomes invalid..

The district and county competent departments and the municipal finance office have specific review and approval time limits for applicants., Should comply with the relevant provisions of.

The names of financing guarantee companies approved to be established in this city are determined by administrative divisions., Font size, Industry representation, The organizational form consists of, in, Administrative division refers to "Shenzhen"; Font size is determined by the company itself;Industry descriptions should be marked with the words "financing guarantee" or "financing guarantee"; The organizational form is a limited liability company or a joint stock company. The words "financing guarantee" or "financing guarantee" may not be used in the name without approval.

(two)Set up a branch

1.Financing guarantee companies registered and established in this city plan to establish branches within or outside the city, The following conditions should be met:

(1)Registered capital shall not be less than RMB 300 million.

(2)Continuous operation for more than 3 years, And it has been profitable for the past two consecutive fiscal years.

(3)Steady and compliant operations, Nothing illegal, Violations and other negative records.

(4)Each time a financing guarantee company establishes a new branch, The corresponding registered capital should be increased.

(5)Other relevant conditions.

Financing guarantee companies registered and established in other provinces and cities plan to establish branches in this city, In principle, it shall be handled in accordance with the preceding paragraph. Each new branch is established, Corresponding working capital should be allocated.

2.Financing guarantee companies registered and established in this city plan to establish branches in other provinces and cities, It should be filed with the district and county competent authority where the financing guarantee company is located., Report to the Municipal Finance Office for approval, and have been reviewed and approved by the provincial regulatory authorities in the location where the branch is to be established..

3.Financing guarantee companies registered and established in other provinces and cities plan to establish branches in this city, The consent of the provincial regulatory authorities where the financing guarantee company is located must be obtained, Report to the district and county where the branch is to be established for preliminary review, and reviewed and approved by the Municipal Finance Office.

Specific application process for establishing a branch, Relevant provisions for establishing a company with reference to these trial measures.