How to register a Shenzhen small loan company, basic conditions and document interpretation

first，Legal risk prevention for small loan companies：strictly speaking，All corporate risks will eventually become legal risks。Small loan companies are enterprises，Naturally, there are also legal risks。Small loan companies are different from ordinary enterprises，Its legal risks will only increase，We need to pay more attention to。actually，Private lending as a common economic phenomenon，It has a history of at least three thousand years in our country。

The earliest in history、The most famous person who runs a small loan company，It should be Lord Mengchang during the Warring States Period。According to historical records，When Mengchangjun was appointed prime minister of Qi State,，He had as many as three thousand diners，The tax revenue from the food towns is not enough to support so many diners.，He then sent people to his fiefdom, Xuedi, to lend money and collect interest.，As a source of wealth to support three guests。one year，Harvest failure in Xuedi，Many people did not pay interest，He sent someone to collect it，Still "earning one hundred thousand dollars in interest"，It can be seen that the scale of money lending is already quite large.。

What are the conditions for the establishment of a small loan company in Shenzhen? What are the conditions for applying to establish a small loan company?，In addition to meeting the basic conditions stipulated in the Company Law，The following conditions should also be met：1.The organizational form of a small loan company is a limited liability company，Its registered capital shall not be less than 300 million yuan；The organizational form is a joint stock company，Its registered capital shall not be less than 400 million yuan；Registered capital

Require

All are paid-in monetary capital，A one-time payment in full by the investor or promoter。

1. Have directors who meet the qualifications、Supervisors and senior managers，and staff with corresponding professional knowledge and experience。
2. Have the necessary internal organizational structure and corporate management system to carry out small loan business、risk control system。
3. According to the principle of prudence

Require

other conditions。Among the conditions for establishing a small loan company

Things to note

Among the conditions for establishing a small loan company，There are special requirements for main sponsors and related parties

Require

。

Corporate legal person、natural person、Other economic organizations can invest in small loan companies，Capital investment must be self-owned funds。The shareholding ratio of the main sponsor and its related parties shall not exceed 20% of the total registered capital of the small loan company.，The shareholding ratio of other investors and their related parties shall not exceed 10% of the registered capital of the small loan company.，Not less than 5% of registered capital，And can only invest in one small loan company。

However, the main sponsor of a small loan company must be a corporate legal person，and

Require

satisfy："Calculated according to the caliber of consolidated accounting statements，Net assets of more than 30 million yuan，The asset-liability ratio is not higher than 70%，Profitable for the past two consecutive years，And the total cumulative net asset profit in the two years reaches more than 10 million yuan" condition。Only main sponsors who meet the above conditions for the establishment of a small loan company can invest in a small loan company.。

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