Port communicationOnline small loan license，Internet small loan license，Apply for an offline small loan license and apply for an Internet small loan license.：
- The registered paid-in capital shall not be less than RMB 300 million.，And the one-time actual capital contribution must be paid in full。The margin is kept in the custody account for a zero interest period：half a year。Enterprises that do not have the ability to actually pay 300 million yuan in cash，There is almost no possibility of applying for online small loan qualifications。
- Relevant senior executives must have 3-5 years of industry experience in economic related positions.。
- Platform with Internet+，Have the platform foundation to carry out online small loan business。
- The company’s total assets in the past three years、profitability level、and various financial indicators such as taxes，are relevant
Require
。5.Other conditions stipulated in the Management Measures for Online Small Loan Companies。
Online small loan license application Hong Kong Xintong-：Internet small loans：Small loan companies mainly obtain borrower customers through online platforms，Comprehensive use of customer management accumulated through network platforms、Online consumption、Behavioral data such as online transactions、Real-time scene information, etc.，Analyze and assess credit risk of borrowers，Determine the credit method and amount，and complete the loan application online、risk audit、loan approval、Full-process microfinance business including loan issuance and loan recovery。
——Excerpted from the "Special Supervision Guidelines for the Internet Small Loan Business of Small Loan Companies (Trial)" issued by the Shanghai Finance Office in December 2025 Small Loan Companies：i.e. small loan company，by a natural person、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。
——Excerpted from the "Guiding Opinions on the Pilot Program of Small Loan Companies" issued by the China Banking Regulatory Commission in 2008. Online lending platform：That is, online lending information intermediaries，refers to the legal establishment，A financial information intermediary company specializing in online lending information intermediary business activities。Such institutions use the Internet as their main channel，Provide information collection for borrowers and lenders (i.e. lenders) to achieve direct lending、Information announcement、Credit assessment、information exchange、Loan matching and other services。
——摘自2025年8月银监会发布的《网络借贷信息中介机构业务活动管理暂行办法》成立于2005年，It has been twelve years now，Has successfully served many Fortune 500 companies，Accumulated rich service experience，Leading the industry，Enjoy a good reputation，Based on high-end，High-end service。
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