关于申报深圳小额贷款公司若干个问题

Microfinance companies are made up of natural persons、Investment and establishment of corporate legal persons and other social organizations，Does not accept deposits from the public，Limited liability company or joint stock company operating small loan business。The company is a legal person，Have independent legal person property，Enjoy legal person property rights，All property shall bear civil liability for its debts。

2025年深圳在5月份已经开始受理小额贷款公司申报，相关申报内容如下：515th of the month，21Century Economic Report reporter learned，The Shenzhen Finance Office officially launched the pilot application process for a new batch of Shenzhen small loan companies，The application deadline is from May 15, 2025 to August 15, 2025，Late applications will not be accepted。

这一政策的出现意味着深圳金融办对于小额贷款公司开展线上业务的门槛有所放宽，Amid the tightening situation across the country，这是可遇不可求的利好。However, we do not rule out the possibility of policy tightening in the later period.，建议有需求的人士速速抓紧最后一波上车机会。

Shenzhen small loan license

Application conditions

：The main sponsor of a small loan company should meet the following basic conditions：

1. Net assets shall not be less than RMB 100 million，And the asset-liability ratio is not higher than 70% (consolidated accounting statement standards)。
2. Profitable for the past three consecutive years，And the cumulative total net profit in the three years is not less than RMB 30 million (consolidated accounting statement standard)。
3. Have a good social reputation and integrity record，No major violations of the law in the past three years、Violations。
4. In line with Shenzhen’s industrial development orientation，Have a good corporate governance structure and a sound internal control system。
5. The source of investment funds is true and legal，No borrowing funds may be used to invest in shares，It is not allowed to invest in shares with funds entrusted by others。
6. According to the principle of prudence

Require

other conditions。

?除主发起人外，小额贷款公司的其他出资人应符合以下条件：

1. Natural persons as investors，Must have full capacity for civil conduct；Purchase a fixed residence in Shenzhen；无刑事违法犯罪记录和严重不良信用记录；Good income status，Have strong ability to resist risks。
2. enterprise、社会组织、经济组织等作为出资人的，必须合法设立，Have a good social reputation and integrity record，无刑事违法犯罪记录；近三年财务状况良好，具备投资主体资格和相应的资金实力。

那从以上的条件可以看出，深圳小贷牌照申请的难度相对较高，对于主发起公司的

Require

strict，不仅要符合年限，经营净利润，包括企业的类型都是需要特别注意的。The application deadline is from May 15, 2025 to August 15, 2025，符合条件的企业抓紧申请吧！

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