申请广州互联网小额贷牌照的条件和扶持政策？

traditional small loan、P2P与互联网小贷区别在哪?P2P micro lending is a business model that pools very small amounts of funds and lends them to people in need of funds.。

Its social value is mainly reflected in meeting personal financial needs、Three aspects: developing personal credit system and improving the utilization rate of idle funds in society.，由具有资质的网络信贷公司(第三方公司、website)作为中介平台，with the help of internet、Mobile Internet technology provides a network platform for information release and transaction realization，borrow、Lenders and lenders connect to meet their respective lending needs。

In P2P online lending，Internet platforms can only play the role of “information intermediary”，Provide information intermediary services，Loans cannot be issued directly。traditional small loan，具备发放信贷的权利，但局限于市(county)，部分产品需申请到特许经营才能展开省内业务。Internet small loans，打破了传统小贷业务范围限制，Achieve cross-regional operations，允许独资设立。

传统小贷大股东最多只能持有30%的股份，如果要突破这个限制需要特批。那么对于依靠互联网大数据做小贷业务的公司来说，这样就分薄其利益，一旦实现独资经营，互联网小贷公司就可以实现小投入大产出，甚至利益独享，非常具有吸引力。

Internet small loan license

Application conditions

(Guangzhou area)

1. Registered capital is not less than 100 million yuan
2. 主发起人近三年(如成立未满三年，提供成立的年份到上一年)Audited financial statements，financial indicators(Consolidated accounting statement standards)The following conditions should be met：Total assets in the fiscal year before application must be no less than 1 billion yuan;Net assets are not less than RMB 50 million;The asset-liability ratio shall not be higher than 75%;equity investment(含意向设立互联网特色小额貸款公司出资)The proportion does not exceed 50% of net assets。
3. Domestic corporate legal persons as investors：申请前一个会计年度末资产负债率不高于75%;equity investment(含意向设立互联网特色小额貸款公司出资)The proportion does not exceed 50% of net assets。
4. Natural person as investor，The following conditions should be met：Have full capacity for civil conduct;No criminal record;Have a good social reputation and integrity record;The investment funds are self-owned funds and come from legal sources，Proof of income and real estate covering the amount of investment、vehicle、deposit、Proof of assets such as securities。
5. 拟设互联网特色小额貸款公司的主发起人出资比例不低于30%，The shareholding ratio of other single shareholders shall not be less than 1%，Sole proprietorship allowed。

Internet-specific small loan companies should rely on the industrial chain of the main sponsor、Big data foundation determines market positioning，Clarify the main service industries and objects，Relying on the Internet, it targets the national member units of the main sponsor and the customers of small, medium and micro enterprises in the industry chain.、Merchant、Providing financing and other services to individuals，Develop financial products that meet market needs，Implement characteristic management，and establish corresponding risk prevention and control mechanisms。

互联网小贷的特色在哪?互联网+小额贷款的特色：

1. 实现全国放贷，依托互联网向全国范围内的客户提供融资服务。
2. No maximum shareholding ratio limit，Can be established as a sole proprietorship。
3. Broad financing channels：You can ask the bank、Financing from small loan companies and other institutions，Creditor's rights can be transferred，Support logging into the capital market。
4. tax benefits。可向税务主管部门申报。

专项优惠扶持政策，最高可得300万元奖励：

1. 落户奖励：50million yuan
2. rent subsidy：50%
3. 营收奖励：最高80万元
4. 财政贡献奖励：区财政贡献的50%
5. 创新奖励：最高20万元
6. 人才奖励：最高20万元
7. 学位奖励、高管医疗、员工集体户口等申请互联网小贷牌照的条件、流程以及

cost

?Company Name：深圳 港信通-商务有限公司咨询顾问港信通-公司地址：

About Hong Kong Xintong

Hong Kong Xintong focuses onGuangdong 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。