设立内资商业保理公司符合的条件

设立内资商业保理公司符合的条件 设立内资商业保理公司应当符合下列条件：

1. Investors in commercial factoring companies should have the appropriate asset size and financial strength to carry out factoring business，No recent violation or penalty record；The main investor should be a corporate legal person or other social and economic organization familiar with the relevant industry，And the total assets in the year before application are not less than 50 million yuan；
2. Commercial factoring companies should be established in the form of limited liability companies。

Registered capital shall not be less than RMB 50 million，All are paid-in monetary capital，One-time payment in full，And the source is authentic and legal；(3) When applying for establishment of a commercial factoring company，There should be more than 2 senior managers with more than 3 years of management experience in the financial field and no bad credit records。

Senior managers refer to managers who hold the position of deputy general manager or above or equivalent positions；

1. Commercial factoring companies are not allowed to operate mixed businesses；
2. Commercial factoring companies should have a complete internal control system，including but not limited to risk assessment、business process operations、Monitoring and other systems；
3. Other conditions stipulated by laws and regulations。

A commercial factoring company may assign receivables that have been or will be incurred from a contract for the sale of goods or services entered into between the supplier and the buyer.，Provide suppliers with all or part of the following services:：

1. trade finance；
2. Collection and settlement of accounts receivable、Management and collection；
3. Sales account management；
4. Credit risk guarantee related to the Company’s commercial factoring business；
5. Credit investigation and evaluation；
6. Related consulting services；
7. Other businesses permitted by laws and regulations。

Not allowed to engage in the following activities：

1. Taking deposits；
2. Grant loans or be entrusted with granting loans；
3. Specialize in or be entrusted to carry out collection business unrelated to the company's commercial factoring business、debt collection business；
4. fiduciary investment；
5. Other activities prohibited by national laws and regulations。

Application materials

1. application；
2. Feasibility study report signed by the legal representatives or authorized representatives of all parties to the investment；
3. Articles of association signed by the legal representatives or authorized representatives of all parties to the investment；
4. Shareholder business license (copy)、Credit certificate and legal representative’s identity certificate (copy)；
5. Annual audit reports of the investing parties audited by an accounting firm for the past one year；
6. Board of Directors、List of Supervisory Board members and directors of investment parties、Letter of appointment of supervisors，Proof of identity (copy) and proof of identity of the proposed legal representative；
7. List of senior managers of commercial factoring companies(See attachment 2)、Identity certificate of senior executives、Education certificate、Proof of professional qualifications and proof of experience in the financial field (including work certificates issued by previous employers or labor contracts signed with them, etc.)；
8. risk assessment、Monitoring and other risk control systems；
9. The funds of commercial factoring companies are placed in bank custody，Relevant custody systems provided by fund custody banks；
10. Notice of pre-approval of company name issued by the industrial and commercial administration department (the name should indicate "commercial factoring")；
11. Proof of use of venue or lease agreement、Proof of property ownership (copy)；
12. Shareholder Commitment Letter (See Attachment 3)；
13. Request documents from local commercial authorities；
14. Business Department

Require

other files of。

The feasibility study report should include the following contents：(1) Basic information that the main investor is a corporate legal person or other social and economic organization：include name、Place of registration、Registered capital、Legal representative, etc.。

Performance and experience of investors or their affiliated entities in factoring business or related industries, etc.；

1. Commercial factoring company establishment plan：
2. Basic information of the company：Include intended name、Place of registration、legal representative、Total investment and registered capital、Investment structure、Business scope；
3. Investment scale analysis、Funding source description；
4. Management organization setup and staffing。
5. Introduction to the proposed commercial factoring business project：Includes market analysis、Operation process and characteristics、Risk control system, etc.。

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