融资担保公司如何办理以及监管原则的分析

融资担保是担保业务中最主要的品种之一，along with business credit、A kind of credit intermediary behavior arising from the development needs of financial credit and the financing needs of the guaranteed objects.。

Credit guarantee agencies intervene in financial institutions including banks、between corporate or individual fund lenders and fund demanders, mainly businesses and individuals，As a third-party guarantor, provide credit guarantee to the debtor and the creditor - guaranteeing the debtor to fulfill the responsibilities and obligations agreed in the contract or other types of funds.。

Conditions for application and approval of financing guarantee companies：A、A financing guarantee company established in Shenzhen shall be established by one or two corporate legal persons or natural persons as the main sponsors。(one)As the main sponsor, a corporate legal person must meet the following conditions:：

1. management practices、Good credit、Strong strength。
2. Continuous operation for more than three years，Profitable in the last two consecutive fiscal years，The cumulative net profit in the past three years has been more than 10 million yuan，The asset-liability ratio is not higher than 70%，Net assets are not less than 50 million yuan，In principle, after the implementation of this project, the long-term investment amount shall not exceed 60% of the net assets.。

(two)As the main sponsor, a natural person must meet the following conditions:：

1. Have the financial strength to initiate investment，Have a certain industrial background and have certain influence in the industry，Be able to issue corresponding valid certificates。
2. No important bad credit record，No major bad employment records and no criminal records, etc.。

B Financing guarantee company established in Shenzhen，Registered capital shall not be less than RMB 100 million，and make a one-time payment in currency，And may not use loan funds or funds entrusted by others to invest in shares。

C、Initiated and established by a corporate legal person as the main sponsor，In principle, the shareholding ratio should not be less than 30%；Initiated and established by two corporate legal persons as the main sponsors，In principle, the shareholding ratio shall not be less than 20%.；Established by a natural person as the main sponsor，Should hold an appropriate proportion of equity。

D、Generally, the sponsors should have certain industry background、Sustained investment capabilities and risk tolerance，In principle, the capital contribution shall not be less than 5 million yuan and the shareholding ratio shall not be less than 1%.。融资性担保业务审慎监管原则

1. Financing guarantee companies should be based on safety、Liquidity、Profitability is the operating principle，and establish a sustainable and prudent business model of market-oriented operation。
2. Market access for financing guarantee companies and their branches、Business scope is subject to pre-administrative licensing，Implement license management system。
3. Capital for financing guarantee institutions、magnification、provision、corporate governance、internal control、risk concentration、Related party transactions、Information disclosure、Implement prudent supervision in aspects such as qualification management of senior executives and employees。

融资担保公司注册时间需要挺长时间的，First we need to register the company，Simply registering a company is simple，Then you have to apply for a license，这个是最关键的。Without this certificate, you cannot do business.，最值钱的也是这个。

Because you need to pay 100 million when applying for the license.，And it must be kept in the account at all times，Many people can't do it for this reason，Another condition is that a company needs to be continuously profitable，This is also a difficult condition。

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