典当行特种行业许可证申请书

Pawn Comprehensive

cost

Including various services and management

cost

。The monthly comprehensive rate for chattel pledge and pawn shall not exceed 42‰ of the deposit.。The monthly comprehensive rate of real estate mortgage pawn shall not exceed 27‰ of the pawn amount。The monthly comprehensive rate for property pledge and pawn shall not exceed 24‰ of the deposit。The current period is less than 5 days，Charge based on 5 days

cost

。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。
3. 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。
4. 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。
5. 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。

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：

1. 　　
2. Collect、Assignment、Redemption certificate (photo) system；　　
3. Inspection of property、custody system；　　
4. Wanted assistance investigation and verification system；　　
5. suspicious reporting system；　　
6. Equipped with security personnel system。

The assets of a pawn shop shall be managed according to the following proportions：

1. 　　
2. 典当行自初始营业起至次向省级商务主管部门及所在地商务主管部门报送年度财务会计报告的时期内从商业银行贷款的，贷款余额不得超过其注册资本。

典当行次向省级商务主管部门及所在地商务主管部门报送财务会计报告之后从商业银行贷款的，贷款余额不得超过上一年度向主管部门报送的财务会计报告中的所有者权益。Pawn shops are not allowed to operate from this city (region)、state、盟）以外的商业银行贷款。典当行分支机构不得从商业银行贷款。

1. The pawn balance of a pawn shop against the same legal person or natural person shall not exceed 25% of the registered capital.。　　
2. The pawn balance of a pawnbroker to its shareholders shall not exceed the amount of the shareholder's shares.，And the pawn conditions shall not be better than those of ordinary pawn households.。
3. When the net assets of the pawn shop are less than 90% of the registered capital，Each shareholder shall make up or apply to reduce the registered capital in proportion.，However, the reduced registered capital shall not violate the provisions of these Measures on the limits of registered capital of pawn shops.。　　
4. The balance of property pledged and pawned by a pawn shop shall not exceed 50% of the registered capital.。The balance of real estate mortgage pawn shall not exceed the registered capital。

The registered capital is less than 10 million yuan，The amount of a single payment for real estate mortgage pawn shall not exceed 1 million yuan。Registered capital of more than 10 million yuan，The amount of a single deposit for real estate mortgage pawn shall not exceed 10% of the registered capital.。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。