How to register a pawn shop and its operation process for pawn business

one、Delivering the pawn is the act of handing over the pawn to the pawn shop clerk with legal and valid certificates and proof of ownership of the pawn.。operator：Provisions related to appraisers (appraisers)：

1. Be careful when accepting pledges，avoid collision、fall。
2. Wear gloves when handling valuable items。 two、Pawn inspection is the act of a pawn shop clerk checking the status of the pawn owner and the property being pawned.。 operator：Appraiser (formerly known as first counter)、"Honor"。

) related regulations：Article 35 of Chapter 6 of the "Pawn Management Measures"：If you are personally at fault, you must present your valid identity document.；If the unit is certified, a certificate of the unit and a valid identity document of the person in charge should be presented.；entrusted with pawn，The entrusted party shall issue a pawn power of attorney、Valid identity documents of myself and the principal。

1. Check the current account
2. ID document：Whether it is a valid ID (type and period)，Is it true，Does the person match the certificate?、consistent。

Industrial and commercial business license、Organization code certificate、Is the tax registration certificate authentic?，Is it overdue?。

1. civil capacity：Full capacity for civil conduct、Restriction on civil capacity、No capacity for civil conduct
2. Check the property
3. Whether it is a prohibited item and the eight categories of property that are not allowed to be pawned are stipulated in Article 27 of Chapter 4 of the "Pawn Management Measures"：
4. Seized according to law、Property seized or for which other preservation measures have been taken；
5. Dirt and items of unknown origin；
6. Flammable、Explosive、Very poisonous、Radioactive materials and their containers；
7. Regulated knives、guns and ammunition、military police logo、Standard clothing and equipment；
8. Official documents of state agencies、Seals and property managed by them；
9. Certificates and valid identity documents issued by state agencies other than property rights certificates；
10. Property that the owner does not own or cannot obtain the right to dispose of in accordance with the law；
11. law、Natural resources or other property prohibited from circulation by regulations。
12. Authenticity of ownership, legal ownership or right of disposal, other people’s property (borrowed and rented), shared property (both husband and wife), disputed property (inherited and transferred), whether the source is legal (first, check the original invoice of the property)；Second, through observation、chat、learn、judgment。）
13. True and false。Check the type of item、Specification、model、quality、Fineness、Characters, etc.。Prevent fakes from passing off as genuine、Substituting bad for good。

In particular, you must go to the relevant registration department to inquire about the registration.。 three、The pawn shop salesperson estimates the value of the pawn based on the commodity market conditions.，The act of evaluating the current price of an item。 operator：Appraiser related regulations：

1. Assessing assets must be scientific and reasonable，Most of the items enter the circulation field for the second time，Therefore, the value is much lower than the price when it enters circulation (except for cultural relics)。Therefore, the valuation must take into account its service life and depreciation losses.，Focus on second-hand market prices。
2. It is strictly prohibited to maliciously lower the valuation and deliberately collude with customers to raise the valuation.。The former is unfair，Loss of the pawn shop’s reputation for integrity；The latter reflects the ideological and moral corruption of employees，Harm the interests of the pawn shop。 Four、The salesperson of the pawn shop negotiates with the pawn owner based on the appraisal results.，The act of determining the pawn amount based on a certain percentage discount。 operator：Appraiser related regulations：
3. The discount ratio should be determined based on a reasonable floating range。

The original People's Bank of China management regulations stipulated that the current price should be determined based on 50%-90% of the estimated value.；Ministry of Commerce、The new measures issued by the Ministry of Public Security do not clearly stipulate this，In the actual process, the quotation is generally 50%-70% of the estimated value (with some exceptions)。

1. The level of the discount ratio，Full consideration should be given to the secondary circulation and liquidity of the property。
2. The determination of the deposit must fully reflect the "negotiation principle" with the owner.。

Article 36 of Chapter 6 of the Measures：“The estimated amount of the pledge and the amount of the pledge shall be determined by both parties through negotiation.。”4、The final determination of the loan should comply with the evaluator’s lending authority stipulated within the company.，Exceeding authority should be reported for approval。 five、Write the abbreviation for filling in the ticket，That is, the amount of the deposit is determined based on negotiation with the client and the current period is specified.、After rates and other matters，The salesperson fills in the pawn ticket，The act of signing a loan contract。

operator：Appraiser related regulations：

1. All elements on the ticket must be filled in truthfully and completely，must not be omitted，In particular, defects in the object must be clearly noted。
2. The comprehensive rate shall not exceed the upper limit stipulated in the "Measures"，Can be withheld，No withholding is allowed on interest payments due，The actual amount paid in pawn must be calculated accurately。
3. Pawn ticket in four copies，The handwriting should be clear，Digital writing should be standardized，No modification is allowed。
4. The pawn must sign personally on the pawn ticket，The bank must affix a special business seal or official seal。
5. If the terms stated on the ticket cannot be true、Comprehensively reflect the wishes of both parties，Supplementary agreement can be re-signed，The signer of the supplementary agreement or contract is still the owner or agent of the pawn (the agent must hold a power of attorney from the owner)。

six、Guan Dang is also called "Cun Dang"，The pawn shop clerk keeps the pawn receipt with the pawn ticket，Face-to-face sealing package (bag)，The act of storing pawned items in a warehouse for safekeeping。operator：Custodian (formerly known as "Guanlou")、"tube package"、"Tube Decoration") Relevant Provisions：

1. Check the pawn ticket and the object before sealing the package、Look at "ticket"、Whether the "object" matches。
2. When packetizing，Make an inventory with the owner face to face，Package、Seal，Ask the person in charge to sign at the seal.。
3. After packet，The deposit must be signed on the pawn ticket，At the same time, the receipt number should be firmly attached to the packet.。
4. Before the packet is stored in the warehouse，The custodian should register the items in the inventory in the "Inventory Pawn Registration Book" according to the "Custody Coupon" of the pawn ticket.；At the same time, in accordance with the provisions of the "Measures" on public security management，Enter the name of the pawnbroker on the pawn item registration form、unit、Resident ID number and name of the object、quantity、Specifications, etc., are registered item by item.。
5. Pawn package after storage、seal bag

Require

By variety category，Store in sequence、Neatly arranged。 seven、old time industry term，Immediate payment of deposit，Referred to as "Fangdang"，Refers to the behavior of a pawn shop salesperson paying the pawn money to the pawnbroker based on the actual amount paid on the pawn ticket.。 operator：Provisions related to cashiers (formerly known as "money managers")：

1. The pawn must be paid truthfully with the "cashier's coupon" of the pawn ticket，Insist on payment on sight、The principle of accounting first and paying later。
2. Before payment, you must carefully check whether the ticket elements are complete.，Is the actual amount paid accurate?，Is it signed by the final custodian or manager?。 eight、Renewal is also called extension period、postpone，Refers to when the pawn period expires，Unable to repay principal，With the agreement of both parties, the original pawned object will continue to be pawned.，The act of renewing pawn tickets and contracts。Pawn renewal marks the continuation of the rights and obligations of both parties to the pawn.。

operator：evaluator、custodian、Cashier related regulations：

1. The current account cannot redeem the loan when it expires due to funds or other reasons，Can be renewed。
2. Renewal of the pawn should be processed within the pawn period or within 5 days after the expiry of the pawn period。
3. Resident ID card and original pawn ticket are required to renew the pawn.。
4. When applying for renewal，The appraiser should review the original pawn ticket and the owner’s ID card，Fill in the renewal certificate，A renewal period shall not exceed 6 months。
5. The custodian shall register the renewed pledge in the "Inventory Pawn Registration Book" based on the "Custody Coupon" of the renewal voucher.。
6. After the cashier reviews the renewal voucher，Settlement of upfront interest and principal and interest with customers

cost

。 Nine、The redemption account repays the principal and interest on schedule，the act of redeeming a pledge。

operator：evaluator、custodian、Cashier related regulations：

1. Redemption at home requires a pawn ticket and resident ID card.，The appraiser should verify the identity of the redeemer and the authenticity of the pawn tickets held.。
2. Cashier collects interest on principal，After confirmation of settlement，Issuance of receipt in triplicate "receipt slip"。
3. The custodian sees the cashier’s “receipt slip” custody copy，Only then can items be retrieved from the warehouse according to the receipt number.。
4. The custodian must register the sales number when the property is shipped out of the warehouse，After verifying that the pawned items and the pawned tickets are correct, hand them over to the pawnbroker for opening in person.，Counting and checking。
5. at the time of redemption，Relevant interest should be settled、

cost

；Overdue redemption，Pay interest on the deposit and related matters based on the number of overdue days

cost

(including penalty interest)。ten、Absolutely Dang, commonly known as "Dead Dang"，5 days after the expiry of the pawn period，The act of neither redeeming nor renewing the pledge。

operator：Custodian regulations：

1. For bulk equivalencies or equivalencies with low discount rates，Expiration of the current period，First, notify the person in charge by sending a letter or phone call.。
2. The custodian should clear out overdue pawned items every month according to the "Inventory Pawn Register"，Make a list of must-haves。
3. The list of perfect items includes the names of the perfect items、type、quantity、Original amount，The price to be processed, etc. should be convened by the manager for evaluation、Negotiation on storage, etc.，It must then be submitted for signature by the authorized person or manager for approval.。
4. Based on the approval opinions, the custodian，Fill out the outbound order，Take the must-have item out of the warehouse，And register the sales number in the "Inventory Pawn Registration Book"，At the same time, a "dedicated ledger for must-have items" should be established.，Used to record the increase or decrease of unique products one by one。
5. Large-scale, unique items are consigned for auction according to regulations，Small-priced special items are sold and sold at the store counter according to the approved price.。

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