Port communicationpawn shop，Also known as pawnshop，It is an informal marginal financial institution that specializes in issuing pledge loans.，It is a market intermediary organization that mainly focuses on currency lending and supplemented by product sales.。Because it has existed in the history of all major countries in the world，Therefore, the languages of different ethnic groups use fixed vocabulary to express。
Application conditions
：one、Requirements for establishing a pawn shop Application for establishment of a pawn shop，The following conditions should be met：(one)are in compliance with the law、Statutes and regulations;(two)Have registered capital that meets the prescribed minimum amount(The minimum registered capital of a pawn shop is 3 million yuan;Engaged in real estate mortgage pawn business，The minimum registered capital is 5 million yuan;Engaged in property rights pledge and pawn business，The minimum registered capital is 10 million yuan。
The minimum registered capital of a pawn shop shall be the monetary capital paid by shareholders.，Not included in kind、industrial property、non-patented technology、Capital contributed as a price for land use rights);(three)There is conformity
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business premises and necessary facilities for conducting business;(Four)Have management personnel and appraisers who are familiar with the pawn business;(five)There are two or more legal person shareholders，And the legal person shares are relatively controlling;(six)Public security management in compliance with Articles 9 and 10 of the Pawn Management Measures
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;(seven)Comply with the national overall plan for pawn shops、Reasonably laid out
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。
two、Conditions for Pawn Shops to Establish Branches Pawn shops that meet the following conditions may establish branches:：(one)Operating pawn business for more than three years，Registered capital is not less than RMB 15 million;(two)Profitable for the past two consecutive years;(three)No illegal business records in the past two years。
Application materials：one、Applicants for establishing a pawn shop should submit materials to the city divided into districts where the pawn shop is proposed to be established.(land)Submit the following materials to the competent commercial department：(one)Application for establishment(The name of the pawn shop to be established should be stated、address、Registered capital、Shareholders and capital contribution、Business scope, etc.)and feasibility study report;(two)Pawn shop regulations、Investment Agreement and Investment Commitment Letter;(three)Pawn shop business rules、Internal management system and safety precautions;(Four)Capital verification certificate issued by a legally qualified capital verification agency;(five)Individual shareholder issued by the personnel department of the unit where the file is located、Resumes of proposed legal representatives and other senior managers;(six)Recent financial audit report of the legal person shareholder and proof of capital contribution ability issued by a legally qualified accounting firm、Board of Directors of Corporate Shareholders(shareholders meeting)Copy of resolution and business license;(seven)conform to
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Valid proof of ownership or right to use the business premises;(eight)"Notice of Preliminary Approval of Enterprise Name" issued by the industrial and commercial administration authority。
two、Applicants for pawn shops applying to establish branches should submit materials to the city divided into districts where the proposed branch is located.(land)Submit the following materials to the competent commercial department：(one)Application report for establishing a branch(The name of the branch to be established should be stated、address、person in charge、Amount of working capital, etc.)、feasibility study report、Board of Directors(shareholders meeting)resolution;(two)The pawn shop’s financial accounting reports for the past two years issued by a legally qualified accounting firm;(three)Resume of the proposed head of the branch issued by the personnel department of the location where the file is located;(Four)conform to
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Valid proof of ownership or right to use the business premises;(five)Certification issued by the provincial commerce department and the public security agency of the local county-level people’s government that there are no illegal business records in the past two years。
Licensing process：one、Determine the total amount。According to the “overall planning” of the Ministry of Commerce，The principle of "reasonable layout"，Determine the total amount of regulation and material reporting time based on corresponding economic indicators in various places.。two、receive materials。According to the "Pawn Management Measures", the applicant
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，向拟设典当行所在地设区的市(land)级商务主管部门提交申请材料。
After receiving an application to establish a pawn shop or a pawn shop applying to establish a branch，city divided into districts(land)级商务主管部门报省级商务主管部门初审，The provincial commerce department will submit the review opinions and application materials to the Ministry of Commerce.。three、Review by the Ministry of Commerce。The Ministry of Commerce organized and established a joint pawn shop approval working group to review the submitted materials.。Four、Apply for approval。
According to the minutes of the pawn shop joint approval working group meeting，For compliance with
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application for establishment，The Ministry of Commerce issues approval to provincial commerce authorities，and issue a "Pawn Business License"，The applicant must go to the relevant department to complete the registration formalities with the approval and pawn business license.。Not approved，Notify all provincial commerce authorities，and explain the reasons。
five、The enterprise holds the approval document from the Ministry of Commerce and the "Pawn Business License"，After preliminary examination by the public security organ of the local county-level people's government，向市(land)级公安机关申领《特种行业许可证》，Go to the industrial and commercial administration department to apply for a business license with the above approval documents and licenses。典当行业“轻装上阵”是对过去发展困境的脱离。
因为典当行的主要业务就是放贷并赚取息费，但是监管政策又
Require
典当行几乎只能以自有资金进行放款，这样典当行就面临着业务合规和业务规模扩大的矛盾，加之近两年经济整体形势下行，所以典当行业目前普遍处于一个发展困境当中，一只脚陷入前期坏账业务中很难自拔，另一只脚想向前迈步发展发展却缺乏有效的业务和基础驱动力。
在这种困境下典当行业必然面临向前发展突破，那么突破点在哪里?如何才能成功突破?需要的就是要发扬典当优点，克服困境，然后轻装上阵。典当行要想轻资产运营要抓住“互联网+”的契机。
The Internet is not a product，but a tool，就像蒸汽机取代人工一样重要，是全新的生产力，The development of pawn shops in the future will definitely require deep integration with the Internet.，with the help of internet
Advantages
，Pawn shops can target customers more accurately、The Internet can be used for more accurate value assessment and value discovery of pawn assets.、Big data credit reporting can be used to more accurately assess borrowing risks、With the help of the global Internet sales network, you can dispose of perfect products more quickly、With the help of the Internet, new business and profit growth points can be opened up。
互联网对于典当行可以说是“顺之则昌、逆之则亡”，所以典当行通过轻资产模式运营从而达到突破需要紧紧拥抱互联网。典当行轻资产运营的突破点在于跨界合作。With the development of the Internet，“互联网+传统产业模式”的出现让众多存在了上百年甚至上千年的行业于无声处消亡。
For example：淘宝网是一个互联网公司让众多传统商家生存空间受到严重挤压;滴滴出行是一个互联网公司让传统出租车行业感受到了前所未有的压力;互联网金融的出现同样也让众多传统金融机构感觉日子不好过了，对于典当行业更是如此。
典当行业在精耕传统业务的同时，更要充分发挥自身的资源积累
Advantages
通过互联网与大型金融机构等进行新产品的设计和研发，进而提高自己的资源整合能力和资源变现能力，实现发展和突破。How to set up a pawn shop?====设立典当行的条件?====设立典当行的流程?====
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