What is the operating procedure for setting up a pawn shop company?

The following describes the operating procedures of the pawn business in detail.，After reading this, you may feel that the pawn shop operation is too cumbersome and complicated.，But it is precisely because pawn shops started early in China，As a result, the corresponding legal system and operating regulations will be more perfect.，This way you can avoid errors that may occur in actual operations.，See below for details。 Pawn business operation process one、The act of delivering the pawned property to the pawn shop clerk with legal and valid certificates and proof of ownership of the pawned property.。

operator：Provisions related to appraisers (appraisers)：

1. Be careful when accepting pledges，avoid collision、fall。
2. Wear gloves when handling valuable items。two、Pawn inspection is the act of a pawn shop clerk checking the status of the pawn owner and the property being pawned.。operator：Appraiser (formerly known as first counter)、"Honor"。

) related regulations：Article 35 of Chapter 6 of the "Pawn Management Measures"：If you are personally at fault, you must present your valid identity document.；If the unit is certified, a certificate of the unit and a valid identity document of the person in charge should be presented.；entrusted with pawn，The entrusted party shall issue a pawn power of attorney、Valid identity documents of myself and the principal。

1. Check the current account
2. ID document：Whether it is a valid ID (type and period)，Is it true，Does the person match the certificate?、consistent。

Industrial and commercial business license、Organization code certificate、Is the tax registration certificate authentic?，Is it overdue?。

1. 、civil capacity：Full capacity for civil conduct、Restriction on civil capacity、No capacity for civil conduct
2. Check the property
3. Whether it is a prohibited item and the eight categories of property that are not allowed to be pawned are stipulated in Article 27 of Chapter 4 of the "Pawn Management Measures"：
4. Seized according to law、Property seized or for which other preservation measures have been taken；
5. Dirt and items of unknown origin；
6. Flammable、Explosive、Very poisonous、Radioactive materials and their containers；
7. Regulated knives、guns and ammunition、military police logo、Standard clothing and equipment；
8. Official documents of state agencies、Seals and property managed by them；
9. Certificates and valid identity documents issued by state agencies other than property rights certificates；
10. Property that the owner does not own or cannot obtain the right to dispose of in accordance with the law；
11. law、Natural resources or other property prohibited from circulation by regulations。
12. Authenticity of ownership?Whether you have legal ownership or disposal rights?Other people’s property (borrowed and rented)?Community property (both husband and wife)?Disputed property (inherited and transferred)?Whether the source is legal (first, check the original invoice of the item)；Second, through observation、chat、learn、judgment。）
13. True and false。Check the type of item、Specification、model、quality、Fineness、Characters, etc.。Prevent fakes from passing off as genuine、Substituting bad for good。

In particular, you must go to the relevant registration department to inquire about the registration.。three、The pawn shop salesperson estimates the value of the pawn based on the commodity market conditions.，The act of evaluating the current price of an item。operator：Appraiser related regulations：

1. Assessing assets must be scientific and reasonable，Most of the items enter the circulation field for the second time，Therefore, the value is much lower than the price when it enters circulation (except for cultural relics)。Therefore, the valuation must take into account its service life and depreciation losses.，Focus on second-hand market prices。
2. It is strictly prohibited to maliciously lower the valuation and deliberately collude with customers to raise the valuation.。The former is unfair，Loss of the pawn shop’s reputation for integrity；The latter reflects the ideological and moral corruption of employees，Harm the interests of the pawn shop。Four、The salesperson of the pawn shop negotiates with the pawn owner based on the appraisal results.，The act of determining the pawn amount based on a certain percentage discount。operator：Appraiser related regulations：
3. The discount ratio should be determined based on a reasonable floating range。

The original People's Bank of China management regulations stipulated that the current price should be determined based on 50%-90% of the estimated value.；Ministry of Commerce、The new measures issued by the Ministry of Public Security do not clearly stipulate this，In the actual process, the quotation is generally 50%-70% of the estimated value (with some exceptions)。

1. The level of the discount ratio，Full consideration should be given to the secondary circulation and liquidity of the property。
2. The determination of the deposit must fully reflect the "negotiation principle" with the owner.。

Article 36 of Chapter 6 of the Measures：“The estimated amount of the pledge and the amount of the pledge shall be determined by both parties through negotiation.。”4、The final determination of the loan should comply with the evaluator’s lending authority stipulated within the company.，Exceeding authority should be reported for approval。

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