随着时代的变迁,当铺逐渐演变成为典当行,服务的对象也不仅限于个人,开始面对中小企业,典当行是一个非常有前景的金融行业,虽然已经发展了近千年,There is still a lot of room for development。新设典当行应具备如下条件:
- Registered capital。
Registered capital is not less than RMB 3 million,Those engaged in real estate mortgage pawn business must have a minimum value of RMB 5 million,Those engaged in property rights pledge and pawn business shall have a minimum value of RMB 10 million。
- shareholder。典当行股东应当具备以货币出资形式履行出资承诺的投资能力和投资资格,入股资金来源合法,for real own capital,It is not allowed to use borrowed funds or funds entrusted by others to invest in shares。
新增典当行法人股东须由经营三年以上且连续两年盈利的法人企业担任。法人股东净资产不得低于资产总额的50%,including real estate development、投资类企业净资产不得低于资产总额的80%;法人股东应有缴纳营业税(或增值税)和所得税记录。
融资性担保公司投资典当行应当按照《融资性担保公司管理暂行办法》(银监会、发展改革委、工业和信息化部、Ministry of Finance、Ministry of Commerce、People's Bank of China、工商总局令2010年第3号)有关规定执行。法人股东为国有独资或控股企业,应当出具国有资产管理部门关于国有资本投资典当行的承诺函,Allow state-owned capital to enter pawn shops。
法人股东为上市公司的,应当出具承诺函,承诺有义务配合商务主管部门的监督核查,主动提供与典当经营业务相关联的有关材料和报表。 自然人股东应为居住在中华人民共和国境内年满18周岁以上有民事行为能力的中国公民,No criminal record,Good credit,具备相应的出资实力。
- Equity structure。
Legal person shares should be relatively controlled,The total shareholding ratio of legal person shareholders accounts for more than 1/2 of all shares,Or the major shareholder is a legal person shareholder and the shareholding ratio accounts for more than 1/3 of the total shares.;A single natural person cannot be the controlling shareholder。
- 法人股东单位的法定代表人、natural person shareholder、典当行拟任法定代表人及其管理人员(包括拟任典当行董事、supervisor、manager、财务负责人)不得是国家公务员,不得有违法犯罪记录;director、supervisor、管理人员符合《公司法》任职资格的
Require
。
- The business premises of new pawn shops and branches should be at least 1 kilometer away from existing pawn shops.,And try to choose street-facing shops,面积应在60平米以上;If it is a rented shop,The lease period should be more than three years,Complete rental procedures。
- To establish a branch of a pawn shop, the following conditions must be met::
- Operating pawn business for more than three years,Registered capital is not less than RMB 15 million;
- Profitable for the past two consecutive years;
- No illegal business records in the past two years。Related products:
Registration process
, Processing conditions
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