Knock on the blackboard，Talk about the difference between pawn shops and small loan companies

Knock on the blackboard，Talk about the difference between pawn shops and small loan companies. Ask about the oldest industry in the financial industry.，No doubt a pawn。1800Year，How many industries have been lost in the torrent of history?，Pawn survives tenaciously，With countless stories and mysteries。As a financial service to "agriculture, rural areas and farmers"、An important financing channel for the "last mile" such as small and micro enterprises，The development of microfinance companies is of great significance to the promotion of inclusive finance。 What is the difference between a pawn shop and a small loan company?

now，Both pawn shops and small loan companies can handle loan business，However, there is a difference between the two。

Specifically，There are the following 5 differences：

1. Registered capital is different. The registered capital of small loan companies is specific.

Require

More general，only

Require

Not less than 15 million yuan，The regulations on the registered capital of pawn shops are relatively detailed.，

Require

Relatively strict，

Require

The minimum registered capital is 3 million yuan，The minimum registered capital limit for engaging in real estate mortgage pawn business is 5 million yuan，Engaged in property rights pledge and pawn business，The minimum registered capital is 10 million yuan。

Just looking at the registered capital，The threshold for small loan companies is obviously much higher than that of pawn shops.。

1. The service targets are different. Small loan companies are based on their current

Require

Mainly serving "agriculture, rural areas and farmers"，develop rural economy，Promote rural construction，The service targets are mainly farmers and operators or enterprises that focus on agriculture.。

In principle, the service objects of pawn shops are all natural persons or enterprises regardless of their nature.，As long as you have the appropriate pledge (mortgage) items，And the value of the pledged (mortgaged) items is greater than the value of the pledged items

Require

loan amount，Anyone can become a pawn shop customer。From this point of view，The customer base of pawn shops is much wider than that of small loan companies.。

1. Different business methods: small loan companies mainly focus on credit loans，Supplementary mortgage loan，There are specific regulations on loan objects and the purpose and amount of loan funds.，The pawn shop only recognizes things，As long as the pledge (mortgage) is legal and the value exceeds the loan amount, it is OK，Not concerned about the identity of the client or the use of funds。

From this point of view，The financing methods of small loan companies are far less flexible than those of the pawn industry.，And because it is mainly based on credit loans，The business risks are also much higher than those in the pawn industry.。4、Different ways of income: The income of small loan companies is mainly interest，However, the pawn shop's income is mainly based on comprehensive service fees and the sale of the final items.，Interest income only accounts for a small portion of pawn income。

From the perspective of income，On the one hand, the return on capital of the pawn industry is higher than that of small loan companies.，Larger profits，But on the other hand，Higher interest rates will impact further expansion of the customer base。It can be seen that，High interest rates in the pawn industry are a double-edged sword，Compared with small loan companies，both

Advantages

Also a disadvantage。

1. Different supervisory units are currently，Small loan companies only need to be approved by the central bank，Just register with the local industrial and commercial department，The regulatory unit is not very clear and there are no specific regulatory measures.。As a special industry, the pawn industry，It is jointly managed by the commercial department and the public security system.，Market entry and supervision are relatively strict。From this point of view，The market entry and daily operating environment for small loan companies is much more relaxed than that of the pawn industry.。

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