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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 can operate the following businesses:：

1. 　　
2. Chattel pledge and pawn business；　　
3. Property pledge and pawn business；　　
4. Real estate (other provinces、autonomous region、Mortgage and pawn business (excluding real estate in municipalities directly under the Central Government or projects under construction that have not obtained a commercial housing pre-sale license)；　　
5. Sale of absolutely suitable items within the limit；　　
6. Appraisal, evaluation and consulting services；　　
7. Other pawn businesses approved in accordance with the law。

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.。

The situation of the pawn shop proposed to be transferred is as follows:：Registered address：Shenzhen registered capital：1000Wan established time：2025annual license：Pawn shop operating license、Special industry license business scope：Chattel pledge；Property pledge；real estate mortgage；Items must be sold within the limit；Appraisal, evaluation and consulting services；

Advantages

：Established for more than three years，Passed annual inspection with Class A consecutively。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。