融资担保经营许可办理流程及审批!

Regarding issues related to the registration of financing guarantee companies，This article provides a comprehensive answer：Financing guarantee company approval department and process 1、Responsible Unit People's Government Financial Work Office II、Responsible Person: The Municipal Finance Office implements a job division responsibility system under the responsibility of the director，The director presides over the overall work，and take full responsibility for the work within the office，Other comrades divide the work according to their positions，Responsible for their respective work responsibilities。

three、Basis for exercising rights

1. "Company Law of the People's Republic of China"
2. "Interim Measures for the Administration of Financing Guarantee Companies"
3. "About triggering<关于明确融资性担保公司设立及经营业务资格审批等事项的意见>Notice》Xiangzheng Jinfa[2010]25Number
4. Other regulations。

Four、Scope of work responsibilities Responsible for guiding and supervising financing guarantee institutions，Undertake the preliminary review work such as the establishment of financing guarantee companies and the approval of business qualifications。

five、Procedures and time limits for the establishment of financing guarantee companies、Application for opening a business，Involving company name、legal representative、Executives、shareholder、Registered capital、business address、Company type、Amend the Articles of Association、Implement capital increase and share expansion、For equity transfer and other related major changes, the preliminary review will be completed and review opinions will be issued within 10 working days from the date of acceptance of the application.，After approval, submit to the Provincial Government Finance Office for review。

Conditions for establishing a financing guarantee company：

1. It should be established by one or two corporate legal persons or natural persons as the main sponsors，The main sponsor must meet the following conditions：
2. As the main sponsor, a corporate legal person must meet the following conditions:： ① Management regulations、Good credit、Strong strength。

② Continuous operation for more than 3 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.。

1. As the main sponsor, a natural person must meet the following conditions:： ① Have the economic 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.。
2. Shareholders' capital contribution

Require

：

1. 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 no less than 10% of the equity
2. 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%.。
3. Have articles of association that comply with the provisions of the Company Law of the People's Republic of China。
4. Have registered capital that meets regulations： Financing guarantee companies established in this city，Registered capital shall not be less than 100 million yuan，and make a one-time payment in currency，And may not use loan funds or funds entrusted by others to invest in shares。
5. Have qualified directors、supervisor、Senior managers and qualified practitioners：
6. director、supervisor、Senior managers shall meet the requirements of the "Directors of Financing Guarantee Companies"、supervisor、Qualifications stipulated in the Interim Measures for the Management of Qualifications for Senior Managers，Familiar with the economy、finance、Guarantee laws and regulations，Have a good sense of compliance and prudent business operations，Possess knowledge appropriate to the proposed position、experience and ability。

Senior managers should have been engaged in guarantee or financial work for more than 3 years，Or have been working in related industries for more than 5 years。

1. Practitioners should participate in special guarantee、Financial and other aspects training，Have professional skills appropriate to the position held，Have good awareness of legal compliance and prudent business operations。
2. Have a sound organizational structure、Internal control and risk management system。
3. Business premises have legal ownership or right to use、Fire protection facilities qualified。

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