Port communicationShenzhen Financing Guarantee Company Registration Conditions and Approval Time April 13，The General Office of the People's Republic of China released the "Legislative Work Plan for 2025"，There are a total of 6 37 legislative projects that we strive to complete within the year.，These include formulating regulations for the management of financing guarantee companies。
According to the legislative plan，The Management Regulations for Financing Guarantee Companies (hereinafter referred to as the “Management Regulations”) drafted by the China Banking Regulatory Commission is a “project that we strive to complete within the year.”，Aiming to strengthen the supervision and management of financing guarantee companies，Standardize financing guarantee behavior，Promote the healthy development of the financing guarantee industry。
The number of financing guarantee companies nationwide in recent years，my country's financing guarantee industry is developing rapidly，As of the end of 2014，There are 7,898 financing guarantee companies nationwide，The industry-wide paid-in capital is 925.5 billion yuan，Among them, 75 institutions have registered capital of more than 1 billion yuan.，As of now, there are 97 financing guarantee companies in Shenzhen，7 branches。
The meaning of financing guarantee and the main form of financing guarantee company：Financing guarantee refers to the agreement between the guarantor and creditors such as banking financial institutions，When the guaranteed party fails to perform the financing debt owed to the creditor，The guarantor assumes the guarantee liability stipulated in the contract in accordance with the law。Financing guarantee company refers to a company established in accordance with the law，Limited liability companies and joint stock companies operating financing guarantee business。
Registration Conditions for Financing Guarantee Companies To establish a financing guarantee company, the following conditions must be met:：1.It should be established by one or two corporate legal persons or natural persons as the main sponsors，The main sponsor must meet the following conditions：(1)As the main sponsor, a corporate legal person must meet the following conditions:：① Management regulations、Good credit、Strong strength。
② Continuous operation for more than 3 years，*Profitable in the last two consecutive fiscal years，The cumulative net profit in the past three years has been more than 10 million yuan，The asset-liability ratio is not higher than 70%，Net assets are not less than 50 million yuan，In principle, after the implementation of this project, the long-term investment amount shall not exceed 60% of the net assets.。
(2)As the main sponsor, a natural person must meet the following conditions:：① Have the economic strength to initiate investment，Have a certain industrial background and have certain influence in the industry，Be able to issue corresponding valid certificates。② No important bad credit record，No major bad employment records and no criminal records, etc.。
2.Shareholders' capital contribution
Require
：1.Initiated and established by a corporate legal person as the main sponsor，In principle, the shareholding ratio should not be less than 30%；Initiated and established by two corporate legal persons as the main sponsors，In principle, the shareholding ratio shall not be less than 20%.；Established by a natural person as the main sponsor，Should hold no less than 10% of the equity。
2.Generally, the sponsors should have certain industry background、Sustained investment capabilities and risk tolerance，In principle, the capital contribution shall not be less than 5 million yuan and the shareholding ratio shall not be less than 1%.。3.Have articles of association that comply with the provisions of the Company Law of the People's Republic of China。
4.Have registered capital that meets the regulations 5. Have directors who meet the qualifications、supervisor、Senior managers and qualified practitioners (senior managers should have financial、finance、law、Professionals with relevant qualifications in technology, etc.) The first thing to make clear is that financial leasing is different from loan sharking.，It is not a bank，Not a loan company either，Not an investment company。Why do you say that?
In fact, the business orientation of financial leasing companies is to serve the financial、trading、Industrial asset management organization。The main business of financing companies is to provide services for more technologies in trade。 Investment guarantee usually refers to when an individual borrows money from a bank，In order to reduce risks, banks，Do not lend money directly to individuals。The borrower needs to find a third party，Provide credit guarantee for borrowers。That is to say, the borrower needs to find a guarantee company to guarantee it.。
The guarantee company will follow the bank's
Require
，Ask the borrower to provide relevant qualification certificates for review，Then submit the reviewed information to the bank，Loan after bank review，The guarantee company charges corresponding services
cost
。
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