典当行的经营许可证

What is the difference between a pawn shop and a bank?

1. 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.。
2. 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。

1. 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。
2. 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。
3. 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。

Pawn shops that meet the following conditions can operate across provinces (autonomous regions)、Municipalities) set up branches：

1. 　　
2. Operating pawn business for more than three years，The registered capital is not less than 15 million yuan；　　
3. Profitable for the past two consecutive years；　　
4. No illegal business records in the past two years。Branches of pawn shops shall implement the safety system stipulated in Article 9 of these Measures，Have the safety precautions specified in Article 10 of these Measures。

Pawn shops shall allocate no less than 5 million yuan in working capital to each branch.。The total working capital of each branch of a pawn shop shall not exceed 50% of the registered capital of the pawn shop.。Pawn shops are an industry that we are very familiar with and yet unfamiliar with.，This industry has such a long history of development，So that when the ancients woke up, they might not recognize that this was a pawn shop.。Pawn shops are no longer a place to provide financial buffers to poor people。

More often the case is，Pawn shop companies can help small and medium-sized businesses，A business that provides financing services to companies that are unable to obtain loans from banks。The name of the pawn shop shall comply with the relevant provisions on enterprise name registration and management。The industry description in the name of a pawn shop should be marked with the word "pawn"。The name of any other business organization or institution shall not contain the word "pawn",No pawn business shall be operated or disguised。

Pawn shop engages in business activities，should obey the law、Statutes and Regulations，follow equality、voluntary、Integrity、principle of mutual benefit。

Apply to set up a pawn shop，The following conditions should be met：

1. 　　
2. are in compliance with the law、Statutes and regulations；　　
3. Have registered capital that meets the limits stipulated in these Measures；　　
4. There is conformity

Require

business premises and necessary facilities for conducting business；

1. 　　
2. Have management personnel and appraisers who are familiar with the pawn business；　　
3. There are two or more legal person shareholders，And the legal person shares are relatively controlling；　　
4. Public security management in compliance with Articles 9 and 10 of these Measures

Require

；

1. 　　
2. Comply with the national overall plan for pawn shops、Reasonably laid out

Require

。

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