Detailed procedures and development environment required for registration of financing guarantee companies

博鳌论坛中，我们可以读到一个信息，那就是在未来额3-5年，国家将对外商的金融牌照准入门槛降低，对于管理的制度将会加强。对于很多外资企业来讲是个非常利好的消息，因为资改革开放以来中国市场在全世界都是个非常大的蛋糕。许多外国企业都争相进入中国市场，so far，世界500强基本每家企业都在中国设有分部。

Financing guarantee company business scope：

1. loan guarantee；
2. Bill acceptance guarantee；
3. trade finance guarantee；
4. project finance guarantee；
5. Letter of credit guarantee；
6. Other financing guarantee business。以上这几项是最长见到的运营模式。

Financing guarantee companies are approved by regulatory authorities，Can concurrently engage in some or all of the following non-financing guarantee businesses：

1. Litigation Preservation Guarantee；
2. bid security、advance payment guarantee、Project performance guarantee、Performance guarantee business such as guarantee of final payment as agreed；
3. Financing consultation related to guarantee business、Financial advisory and other intermediary services；
4. Invest with own funds；
5. Other businesses specified by regulatory authorities。

As the main sponsor, a corporate legal person must meet the following conditions:：management practices、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.。

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.。

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。关于融资性担保公司运营过程中，我们会遇到的几种情形？

融资性担保机构被注销经营许可证的情形包括：融资性担保机构经营许可被撤销的；融资性担保机构经营许可被撤回的；融资性担保机构解散的；融资性担保机构破产的；融资性担保机构被撤销的；融资性担保机构经营许可证有效期限届满不再延续的；监管部门规定的其他情形。

常见如下几种情形：

1. 融资性担保机构经营许可证有效期限届满，需要延续的，应提前90日向发证机关提出延续申请，换发新的融资性担保机构经营许可证。不再延续的，应提前90日向发证机关报告，注销融资性担保机构经营许可证，and do a good job in dealing with the aftermath。
2. Dissolution of company。

融资性担保公司因分立、合并或出现公司章程规定的解散事由需要解散的，应当向所在区（县）监管部门报送申请材料并经市监管部门审查批准，凭批准文件及时向工商行政管理部门申请注销登记。

1. 融资性担保公司有重大违法经营行为，严重危害市场秩序、损害公众利益的，经北京市融资性担保业务监管部门联席会议同意，由市监管部门撤销其经营许可证。

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