Conditions for application and approval of financing guarantee companies、Shenzhen Financing Guarantee Company Registration

现在对于金融类相关的企业都需要持牌经营，The association has noticed this phenomenon,Many companies use the name of non-financing guarantee companies,Financing enterprises by building a platform、Using it as an excuse to manage people's finances,Illegally absorbing funds from the public,This phenomenon is not only spreading in Jinan,边省份也是愈演愈烈,if allowed to develop,Great harm to society。

对这种坚决清除出市场，那么如何申请融资性担保公司并获得资质呢？我详细的总结如下融资担保公司申办审批条件：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.。

融资性担保公司审批的程序与未来的用途(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.。

在深圳市设立的融资性担保公司，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。

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。

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%.。在国家各项政策的推动下，各地风险补偿机制陆续出台，担保机构与银行合作更广泛更深入，各具特色的融资担保发展模式不断出现……业内人士认为，模式创新是破解企业融资问题的有效途径。

在目前的金融体制和发展环境下，担保再担保模式创新确是破解小微企业融资难、融资贵的有效途径，这一办法克服了增设银行机构审批链条过长、金融产品创新效应半径过短等弊端，通过创新担保模式进行增信和分险，有效解决了银行对于小微企业信用不足、风险过大的顾虑。

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