Conditions for applying for an Internet small loan license|Internet small loan license agency

What are the conditions for setting up an Internet microfinance company?

Require

?Shenzhen Hong Kong Xintong-is an Internet financial service、Financial leasing and commercial factoring registration and operation overall solution service provider，You are welcome to come and consult us。

Currently, there are two ways for college students to obtain campus loans.,The first is an installment shopping platform specifically targeted at college students.,Some also offer lower amounts of cash withdrawals;The second is P2P online lending platform,often with low threshold、Low interest rates are a gimmick,But the annual interest rate is actually more than 20%。

According to incomplete statistics,Currently, there are more than 80 P2P platforms participating in the consumer loan business for college students.,Nearly 30% of funds on consumer installment platforms come from P2P,There are even more online campus loan platforms specifically targeting college students.。2025August,The Credit Management Research Center of Renmin University of China surveyed nearly 50,000 college students from 252 universities across the country.,Released the "National College Students' Credit Perception Survey Report"。

which shows,

1. 77%of college students use loans to obtain funds,Among them, small credit loans account for
2. 33%、Proportion of online loans
3. 44%。This means,on university campus,Online loans with simple procedures have a strong foundation and development potential。Access conditions for establishing Internet microfinance companies：The city’s first internet-based small loan company has settled in Financial Street。

According to relevant

Require

，To establish an Internet-specific small loan company, the following conditions must be met:：

1. The registered capital of an Internet-specific small loan company shall not be less than 100 million yuan.;
2. The main sponsor should be strong domestically、Distinctive、Branded、E-commerce companies with big data foundation，in industry and commerce、The taxation and public security departments have no records of violations，Good integrity record，Provided for nearly 3 years(If it has been established for less than 3 years，Provide the year of establishment to the previous year)Audited financial statements，financial indicators(Consolidated accounting statement standards)The following conditions should be met：The net assets in the fiscal year before application are no less than RMB 50 million.;The asset-liability ratio shall not be higher than 75%;equity investment(Contains intention to invest in the establishment of an Internet-specific small loan company)The proportion does not exceed 50% of net assets;
3. Domestic corporate legal persons as investors，in industry and commerce、The taxation and public security departments have no records of violations，Good integrity record，Provide audited financial statements for the past 2 years，financial indicators(Consolidated accounting statement standards)The following conditions should be met：The asset-liability ratio at the end of the fiscal year before application shall not be higher than 75%;equity investment(Contains intention to invest in the establishment of an Internet-specific small loan company)The proportion does not exceed 50% of net assets;What are the conditions for setting up an Internet microfinance company?

Require

?Shenzhen Hong Kong Xintong-is an Internet financial service、Financial leasing and commercial factoring registration and operation overall solution service provider，You are welcome to come and consult us。

Shenzhen Gangxintong-Business Co., Ltd. Gangxintong-：penguin：address：

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