The registered capital limit for pawn shops is 3 million yuan.;Engaged in real estate mortgage pawn business,The registered capital limit is 5 million yuan;Engaged in property pledge and pawn business,The registered capital limit is 10 million yuan。The registered capital limit of a pawn shop shall be the capital paid in by shareholders.,Not included in kind、industrial property、non-technical、Capital contributed as a price for land use rights。
Pawn shops should be established、Improve the following safety systems:
- Collect、Assignment、Redemption certificate (photo) system;
- Inspection of property、custody system;
- Wanted assistance investigation and verification system;
- suspicious reporting system;
- Equipped with security personnel system。
The construction and operation facilities of pawn houses shall comply with relevant national safety standards and fire management regulations,Have the following safety precautions:
- Set up video recording equipment in the business premises (recording data should be kept for at least 2 months);
- Set up protective facilities at the business counter;
- Set up to comply with security
Require
Pawn item storage warehouses and safes (cabinets、library);
- Set up alarm devices;
- Install protective facilities on doors and windows;
- Equipped with necessary fire-fighting facilities and equipment。
Set up a pawn shop,The applicant shall submit the following materials to the commercial department at the city (prefecture) level where the pawn shop is proposed to be established.:
- Application for establishment (should state the name of the pawn shop to be established、address、Registered capital、Shareholders and capital contribution、business scope, etc.) and feasibility study report;
- Pawn shop regulations、Investment Agreement and Investment Commitment Letter;
- Pawn shop business rules、Internal management system and safety precautions;
- Certificate issued by a legally qualified institution;
- Individual shareholder issued by the personnel department of the unit where the file is located、Resumes of proposed legal representatives and other managers;
- Recent financial audit report of the legal person shareholder and proof of capital contribution ability issued by a legally qualified accounting firm、A copy of the resolution of the board of directors (shareholders meeting) of the legal person shareholder and a copy of the business license;
- conform to
Require
Valid proof of ownership or right to use the business premises;
- "Notice of Preliminary Approval of Enterprise Name" issued by the industrial and commercial administration authority。
What is the difference between a pawn shop and a bank?
- Different business scope:In addition to lending business,The pawn shop also deals in the sale of absolutely pawn items.、Appraisal, evaluation and consulting services,The bank additionally operates deposit-taking services、Exchange business、Agency business, etc.。
- Business scale and organizational form are different:Banks are large state-owned and joint-stock enterprises,Registered capital、The scale of operation is quite large, Set up a large number of branches across the country。
Pawn shops are companies with smaller capital,Limited scale,Single organizational form。
- Loan procedures and procedures are different:Banks implement a system of separation of review and loan, The approval process is cumbersome,Takes a long time;And pawn shops lend money when they see something,High efficiency,fast,Convenient and flexible。
- Different lending objects and characteristics:Banks mainly focus on large and medium-sized enterprises, Large amount、long term、Strict restrictions on the use of loans,Pawn shops are mainly small and medium-sized enterprises and individuals.,Small amount、Short term、And don’t ask about the purpose of borrowing money。
- Different status effects:Banks occupy a dominant position in our country’s national economy,It is the main part of the financial system,It plays the role of the main channel in regulating the supply and demand of social funds.;Pawn shops are a useful supplement to the financing channels of the entire society.,occupy a secondary position in economic life。Guangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services,Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses,Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services,Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more,Please contactHong Kong Information Communications Consultant。
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