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。
Pawn shops are not allowed to engage in the following businesses::
- Sales of non-excellent items and acquisition of used items、Consignment;
- Chattel mortgage business;
- Raise funds、Taking deposits or taking deposits in disguised form;
- grant credit loan;
- Other business without approval。
Pawn shops are not allowed to accept the following property as pawns:
- Seized according to law、Property seized or for which other preservation measures have been taken;
- Stolen and items of unknown origin;
- Flammable、Explosive、Very poisonous、Radioactive materials and their containers;
- ,branch、,military、logo、Standard clothing and equipment;
- Official document、Seals and property managed by them;
- Issued certificates and valid identity documents other than property rights certificates;
- Property that the owner does not own or cannot obtain the right to dispose of in accordance with the law;
- law、Natural resources or other property prohibited from circulation by laws and regulations and relevant national regulations。
Pawn shops shall not engage in the following acts::
- Borrowing from entities and individuals other than commercial banks;
- Borrow funds from other pawn shops or borrow funds in disguised form;
- Loans from commercial banks exceeding the prescribed limit;
- foreign investment。
Pawn shops that meet the following conditions can operate across provinces (autonomous regions)、Municipalities) set up branches:
- Operating pawn business for more than three years,The registered capital is not less than 15 million yuan;
- Profitable for the past two consecutive years;
- 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.。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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