Port communication设立小额贷款公司的条件 小额贷款公司是自然人、Investment and establishment of corporate legal persons and other social organizations，Does not accept deposits from the public，Limited liability company or joint stock company operating small loan business。A small loan company is a corporate legal person，Have independent legal person property，Enjoy legal person property rights，All property shall bear civil liability for its debts。
compared to banks，Small loan companies are more convenient、fast，Suitable for small and medium enterprises、Funding needs of individual industrial and commercial households。 Personal loan services for working class people。Has a large number of outlets，Have staff available to help with the entire loan process。You can also easily apply for a loan online。Provide loans up to RMB 150,000 or more，Loan terms are 12 months or 18 months。Generally, the loan can be released on the day of application。
Mortgage-free for small business owners、Guarantee-free loan services。Whether running a small business or a stall，As long as the business period exceeds six months，You can apply for a loan of up to 300,000 yuan。Generally, the loan can be released within two to three days。revolving credit。Customers can within predetermined limits，Conveniently repay or refinance a loan，without paying liquidated damages。
Conditions for applying to establish a small loan company
- Have regulations that comply with regulations；
- The sponsor or investor should meet the specified conditions；
- The registered capital of a limited liability company shall not be less than 10 million yuan，The registered capital of a joint-stock company shall not be less than 20 million yuan；
- A limited liability company should be established with capital contributions from 9 to 50 or less shareholders；A joint stock company should have between 9 and 200 promoters，More than half of the sponsors must have residence in China；
- The source of registered capital should be true and legal，All are paid-in monetary capital，The investor or promoter pays the full amount in one lump sum when the company is established.；
- Have directors and senior managers who meet the qualifications；
- Have staff with corresponding professional knowledge and experience；
- Have the necessary organizational structure and management system；
- There is conformity
Require
business premises、Security precautions and other business-related facilities。
Operational procedures for applying for the establishment of a small loan company. Application for the establishment of a small loan company should go through two stages: preparation and opening.。First of all, in the preparation stage，The long preparation period for small loan companies is within 6 months from the date of approval，After acceptance and preliminary review by the county-level competent authorities，Review by municipal authorities，Approved by the provincial government department。
Then the company meets the conditions for opening，Applications for business opening shall be accepted and initially reviewed by the county-level competent authorities.，Review by municipal authorities，Approved by the provincial government department。 Microfinance company approved to open for business，Approval documents issued by provincial government departments，And with the approval document within 2 months from the date of approval，Follow normal procedures for registration、Registration and other procedures，Get a business license。
after，Should report to the local public security organ within 5 working days、The China Banking Regulatory Commission’s dispatched offices and the People’s Bank of China’s extension offices shall submit relevant information.。
Information that applicants should submit during the preparatory stage
- Application form for establishment；
- feasibility study report；
- Preparatory work plan；
- List and resumes of preparatory personnel；
- 5) Basic information of the sponsors or investors and the audited accounting reports of other sponsors or investors other than natural persons in the past two years；
- Other materials。
Materials that applicants should submit during the opening stage
- Application for opening a business；
- Preparatory work report；
- Draft Charter；
- Proposed director、Qualification information of senior management personnel；
- Capital verification certificate issued by the statutory capital verification agency
- Notice of pre-approval of company name；
- Proof of ownership or right to use business premises；
- Other materials。
Equity transfer regulations: Shares of small loan companies can be transferred in accordance with the law、inheritance and gift。However, the shares held by the promoters or investors shall not be transferred or pledged within 3 years from the date of establishment of the company.。Shares held by company directors and officers，No transfer or pledge allowed during tenure。
Source of operating funds
Require
The main source of funds for small loan companies is capital paid by shareholders、Donate funds，and capital from no more than two provincial banking financial institutions.。No internal or external fundraising is allowed、Absorb or absorb public deposits in disguised form。in law、within the scope of regulations，The amount of funds microfinance companies receive from banking finance，Must not exceed 5% of net capital。
A small loan company is a natural person、Investment and establishment of corporate legal persons and other social organizations，Does not accept deposits from the public，Limited liability company or joint stock company operating small loan business。A small loan company is a corporate legal person，Have independent legal person property，Enjoy legal person property rights，All property shall bear civil liability for its debts。compared to banks，Small loan companies are more convenient、fast，Suitable for small and medium enterprises、Funding needs of individual industrial and commercial households。
Personal loan services for working class people。Has a large number of outlets，Have staff available to help with the entire loan process。You can also easily apply for a loan online。Provide loans up to RMB 150,000 or more，Loan terms are 12 months or 18 months。Generally, the loan can be released on the day of application。 Mortgage-free for small business owners、Guarantee-free loan services。
Whether running a small business or a stall，As long as the business period exceeds six months，You can apply for a loan of up to 300,000 yuan。Generally, the loan can be released within two to three days。revolving credit。Customers can within predetermined limits，Conveniently repay or refinance a loan，without paying liquidated damages。
Conditions for applying to establish a small loan company
- Have regulations that comply with regulations；
- The sponsor or investor should meet the specified conditions；
- The registered capital of a limited liability company shall not be less than 10 million yuan，The registered capital of a joint-stock company shall not be less than 20 million yuan；
- A limited liability company should be established with capital contributions from 9 to 50 or less shareholders；A joint stock company should have between 9 and 200 promoters，More than half of the sponsors must have residence in China；
- The source of registered capital should be true and legal，All are paid-in monetary capital，The investor or promoter pays the full amount in one lump sum when the company is established.；
- Have directors and senior managers who meet the qualifications；
- Have staff with corresponding professional knowledge and experience；
- Have the necessary organizational structure and management system；
- There is conformity
Require
business premises、Security precautions and other business-related facilities。
Operational procedures for applying for the establishment of a small loan company. Application for the establishment of a small loan company should go through two stages: preparation and opening.。First of all, in the preparation stage，The long preparation period for small loan companies is within 6 months from the date of approval，After acceptance and preliminary review by the county-level competent authorities，Review by municipal authorities，Approved by the provincial government department。
Then the company meets the conditions for opening，Applications for business opening shall be accepted and initially reviewed by the county-level competent authorities.，Review by municipal authorities，Approved by the provincial government department。 Microfinance company approved to open for business，Approval documents issued by provincial government departments，And with the approval document within 2 months from the date of approval，Follow normal procedures for registration、Registration and other procedures，Get a business license。
after，Should report to the local public security organ within 5 working days、The China Banking Regulatory Commission’s dispatched offices and the People’s Bank of China’s extension offices shall submit relevant information.。
Information that applicants should submit during the preparatory stage
- Application form for establishment；
- feasibility study report；
- Preparatory work plan；
- List and resumes of preparatory personnel；
- 5) Basic information of the sponsors or investors and the audited accounting reports of other sponsors or investors other than natural persons in the past two years；
- Other materials。
Materials that applicants should submit during the opening stage
- Application for opening a business；
- Preparatory work report；
- Draft Charter；
- Proposed director、Qualification information of senior management personnel；
- Capital verification certificate issued by the statutory capital verification agency
- Notice of pre-approval of company name；
- Proof of ownership or right to use business premises；
- Other materials。
Equity transfer regulations: Shares of small loan companies can be transferred in accordance with the law、inheritance and gift。However, the shares held by the promoters or investors shall not be transferred or pledged within 3 years from the date of establishment of the company.。Shares held by company directors and officers，No transfer or pledge allowed during tenure。
Source of operating funds
Require
The main source of funds for small loan companies is capital paid by shareholders、Donate funds，and capital from no more than two provincial banking financial institutions.。No internal or external fundraising is allowed、Absorb or absorb public deposits in disguised form。in law、within the scope of regulations，The amount of funds microfinance companies receive from banking finance，Must not exceed 5% of net capital。
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