申请典当行许可证

What is the difference between a pawn shop and a bank?

1. Different business scope：In addition to lending business，The pawn shop also deals in the sale of absolutely pawn items.、Appraisal, evaluation and consulting services，The bank additionally operates deposit-taking services、Exchange business、Agency business, etc.。
2. Business scale and organizational form are different：Banks are large state-owned and joint-stock enterprises，Registered capital、The scale of operation is quite large， Set up a large number of branches across the country。

Pawn shops are companies with smaller capital，Limited scale，Single organizational form。

1. Loan procedures and procedures are different：Banks implement a system of separation of review and loan， The approval process is cumbersome，Takes a long time;And pawn shops lend money when they see something，High efficiency，fast，Convenient and flexible。
2. Different lending objects and characteristics：Banks mainly focus on large and medium-sized enterprises， Large amount、long term、Strict restrictions on the use of loans，Pawn shops are mainly small and medium-sized enterprises and individuals.，Small amount、Short term、And don’t ask about the purpose of borrowing money。
3. Different status effects：Banks occupy a dominant position in our country’s national economy，It is the main part of the financial system，It plays the role of the main channel in regulating the supply and demand of social funds.;Pawn shops are a useful supplement to the financing channels of the entire society.，occupy a secondary position in economic life。

Pawn shops can operate the following businesses:：

1. 　　
2. Chattel pledge and pawn business；　　
3. Property pledge and pawn business；　　
4. Real estate (other provinces、autonomous region、Mortgage and pawn business (excluding real estate in municipalities directly under the Central Government or projects under construction that have not obtained a commercial housing pre-sale license)；　　
5. Sale of absolutely suitable items within the limit；　　
6. Appraisal, evaluation and consulting services；　　
7. Other pawn businesses approved in accordance with the law。

Pawn Comprehensive

cost

Including various services and management

cost

。The monthly comprehensive rate for chattel pledge and pawn shall not exceed 42‰ of the deposit.。The monthly comprehensive rate of real estate mortgage pawn shall not exceed 27‰ of the pawn amount。The monthly comprehensive rate for property pledge and pawn shall not exceed 24‰ of the deposit。The current period is less than 5 days，Charge based on 5 days

cost

。

The registered capital limit for pawn shops is 3 million yuan.；Engaged in real estate mortgage pawn business，The registered capital limit is 5 million yuan；Engaged in property pledge and pawn business，The registered capital limit is 10 million yuan。The registered capital limit of a pawn shop shall be the capital paid in by shareholders.，Not included in kind、industrial property、non-technical、Capital contributed as a price for land use rights。

Pawn shops should be established、Improve the following safety systems：

1. 　　
2. Collect、Assignment、Redemption certificate (photo) system；　　
3. Inspection of property、custody system；　　
4. Wanted assistance investigation and verification system；　　
5. suspicious reporting system；　　
6. Equipped with security personnel system。Guangdong and Hong Kong license plates、Shenzhen Hazardous Chemicals Business License、Shenzhen labor dispatch licenseandShenzhen Charity Foundationapplication services，Assist customers to applyShenzhen travel agency business license、Shenzhen pawn shop business license、Shenzhen auction house license and other mainstream domestic financial licenses，Support enterprises to achieve compliance expansion of cross-border financial business。Also availableODI overseas investment registration、International travel agency registration and other services，Help enterprises expand their presence in international markets。Provide one-stop compliance solutions for enterprises。To learn more，Please contactHong Kong Information Communications Consultant。