办理互联网小贷牌照设立互联网小贷公司需要做什么

at present，“互联网+”概念成为经济新常态下金融领域创新和延伸的2.0版本。作为互联网金融的主要形式之一，“互联网+小贷公司”由于方便快捷的交易特点，得到快速的发展。“互联网+”是指以互联网为主的一整套信息技术，包括移动互联网、cloud computing、大数据技术等在经济、社会各部门的扩散、应用过程。

而“互联网+小贷公司”(以下简称“网络小贷公司”)的组合模式，作为一种金融创新，为丰富金融市场，拓宽中小企业和个人融资渠道，繁荣资金零售市场起到了重要作用。其具体表现主要有以下两种模式。一是互联网金融点对点借贷平台。

核心观念是利用互联网搭建平台，使交易双方平等地进行接触，并完成相关交易手续，借款双方可自行发布借款信息，包括金额、Interest、还款方式及时间等，把信息不对称趋小，从而促成资金交易。平台从中收取一定手续

cost

。二是大数据处理网贷模式。即以阿里金融为主要代表的大数据处理网贷模式。

依靠大规模的“云”计算，将通过淘宝、天猫等电子商务平台长期积累的海量客户数据信息，映射为企业和个人的信用评价，并据此在网络上通过支付宝等手段发放信贷资金的融资方式。

To establish an Internet-specific small loan company, the following conditions must be met:：

1. The registered capital of an Internet-specific small loan company shall not be less than 100 million yuan.；
2. The main sponsor should be strong domestically、Distinctive、Branded、E-commerce companies with big data foundation，in industry and commerce、The taxation and public security departments have no records of violations，Good integrity record，提供近3年（如成立未满3年，提供成立的年份到上1年）经审计的财务报表，Financial indicators (consolidated accounting statement caliber) should meet the following conditions：The net assets in the fiscal year before application are no less than RMB 50 million.；The asset-liability ratio shall not be higher than 75%；The proportion of equity investment (including the intention to invest in the establishment of an Internet-specific small loan company) shall not exceed 50% of the net assets.；
3. Domestic corporate legal persons as investors，in industry and commerce、The taxation and public security departments have no records of violations，Good integrity record，Provide audited financial statements for the past 2 years，Financial indicators (consolidated accounting statement caliber) should meet the following conditions：申请前1个会计年度末资产负债率不高于75％；权益性投资比例不超过净资产的50%；
4. Natural person as investor，The following conditions should be met：Have full capacity for civil conduct；No criminal record；Have a good social reputation and integrity record；The investment funds are self-owned funds and come from legal sources，具有覆盖出资额的证明及房产、vehicle、deposit、有价证券等证明；
5. The main sponsor’s capital contribution proportion of the proposed Internet-specific small loan company shall not be less than 30%，The shareholding ratio of other single shareholders shall not be less than 1%，Sole proprietorship allowed；
6. Internet-specific small loan companies should rely on the industrial chain of the main sponsor、Big data foundation determines market positioning，Clarify the main service industries and objects，Relying on the Internet, it targets the national member units of the main sponsor and the customers of small, medium and micro enterprises in the industry chain.、Merchant、Providing financing and other services to individuals，Develop financial products that meet market needs，Implement characteristic management，and establish corresponding risk prevention and control mechanisms。

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