融资担保牌照收购渠道在哪里？

融资担保牌照收购渠道在哪里？助贷机构急寻牌照购买机会“我们年前就去北方地区的一家融资担保机构做了尽调。”一家第三方助贷平台的受托方负责人告诉记者，这家平台想收购一家融资担保公司，委托他们做尽调，主要调查这家公司业务开展情况，如是否存在大量坏账。

It is reported that，春节前后，不少第三方助贷平台和部分头部网贷平台四处寻机要买融资担保牌照，原因主要与现金贷整顿新规（即《关于规范整顿“现金贷”业务的通知》，业内称“141号文”）有关。该通知

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银行业金融机构与第三方助贷平台合作，不得由无担保资质的主体来提供任何形式的增信。

金诚同达律所合伙人彭凯表示，制定中的针对助贷机构的单独监管文件，也必然重申这一点，that is

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回归助贷本源。“助贷机构展业要配套提供增信措施，融担是仅有的选择。”彭凯解释说，保险公司合作难度大、意愿低，且属于外部合作，助贷机构掌控力弱。

他还透露，一些头部助贷机构光有一家融资担保公司还不够，因为业务有10倍杠杆限制。融资担保机构设立有一定门槛：注册资本不低于人民币2000万元，and is paid-in monetary capital，经当地金融办批准后，方可获得融资性担保机构经营许可证。部分省市还提高了新设机构门槛，如安徽省的注册资本

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是1亿元。

根据2025年10月下发的《融资担保公司监督管理条例》，融资担保责任余额不得超过其净资产的10倍，业务符合监管规定条件的倍数可以放宽至15倍。也就说，能开展多大规模业务主要取决于资本实力，譬如注册资本为1亿元，最高担保规模在15亿元。除了保证业务合规，助贷平台还看重融资担保机构的坏账可对外处置。

That is to say，融资担保这块牌照既能解决助贷业务合规问题，又能给坏账处置期增加一个缓释地带。什么是融资性担保公司？融资性担保公司是指依法设立，Limited liability companies and joint stock companies operating financing guarantee business。

Financing guarantee refers to the agreement between the guarantor and creditors such as banking financial institutions，When the guaranteed party fails to perform the financing debt owed to the creditor，The guarantor assumes the guarantee liability stipulated in the contract in accordance with the law。如何设立融资性担保牌照？深圳/前海注册设立融资性担保公司，The following conditions should be met：(one)有符合前款关于主发起人、一般发起人等规定的条件。

(two)Have articles of association that comply with the provisions of the Company Law of the People's Republic of China。(three)Have shareholders with the ability to continuously contribute capital。(Four)有符合本实施细则规定的注册资本。(five)Have qualified directors、supervisor、Senior managers and qualified practitioners。(six)Have a sound organizational structure、Internal control and risk management system。(seven)There is conformity

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business premises。(eight)其他审慎性条件。

深圳注册融资性担保公司，需取得“融资性担保经营许可Z”，具体审核以下几点：Financing guarantee companies established in this city 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 for 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，能够出具相应的有效Z明。
2. No important bad credit record，No major bad employment records and no criminal records, etc.。

Financing guarantee companies established in this city，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%.。

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