深圳小贷、guarantee、典当金融牌照申办申请书撰写

深圳小贷、guarantee、典当金融牌照申办申请书撰写 深圳小贷、guarantee、典当金融牌照申办申请书撰写 一、Financing guarantee companies are approved by regulatory authorities

1. loan guarantee。
2. Bill acceptance guarantee。
3. trade finance guarantee。
4. project finance guarantee。
5. Letter of credit guarantee。
6. Other financing guarantee business。

two、Financing guarantee companies are approved by regulatory authorities，Can concurrently engage in some or all of the following businesses：

1. Litigation Preservation Guarantee。
2. bid security、advance payment guarantee、Project performance guarantee、Performance guarantee business such as guarantee of final payment as agreed。
3. Financing consultation related to guarantee business、Financial advisory and other intermediary services。
4. Invest with own funds。
5. Other businesses specified by regulatory authorities。

three、审批机关 省、autonomous region、The department designated by the people's government of the municipality directly under the Central Government to be responsible for the supervision and management of financing guarantee companies in its jurisdiction (most local designated financial offices,Zhejiang Province is the Provincial Small and Medium Enterprises Bureau)。 Four、法律依据 《融资性担保公司管理暂行办法》 五、Conditions for application and approval of financing guarantee companies： A、A financing guarantee company established in Shenzhen shall be established by one or two corporate legal persons or natural persons as the main sponsors。

(one)As the main sponsor, a corporate legal person must meet the following conditions:：

1. management practices、Good credit、Strong strength。
2. Continuous operation for more than three 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.。

(two)As the main sponsor, a natural person must meet the following conditions:：

1. Have the financial 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.。

B Financing guarantee company established in Shenzhen，Registered capital shall not be less than RMB 100 million，and make a one-time payment in currency，And may not use loan funds or funds entrusted by others to invest in shares。

C、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 an appropriate proportion of equity。

D、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%.。 six、Other conditions for establishing a financing guarantee company：

1. Have articles of association that comply with the provisions of the Company Law of the People's Republic of China。
2. Have shareholders with the ability to continuously contribute capital。
3. Have registered capital that complies with the provisions of these Measures。
4. Have qualified directors、supervisor、Senior managers and qualified practitioners。
5. Have a sound organizational structure、Internal control and risk management system。
6. There is conformity

Require

business premises。

1. Other prudential conditions specified by regulatory authorities。

seven、Hard application requirements for pawn shops

1. are in compliance with the law、Statutes and regulations；
2. 注册资本*限额符合《典当管理办法》

Require

，That is, no 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；

1. There is conformity

Require

business premises and necessary facilities for conducting business；

1. Have management personnel and appraisers who are familiar with the pawn business；
2. There are two or more legal person shareholders，And the legal person shares are relatively controlling；
3. In accordance with Article 9 of the "Pawn Management Measures"、Article 10，Pawn shops should be established、Improve safety system； House construction and business facilities should comply with relevant national safety standards and fire management regulations；
4. Comply with the national overall plan for pawn shops、Reasonably laid out

Require

。

eight、List of materials needed to set up a pawn shop：

1. Establishment application and feasibility study report；
2. Pawn shop regulations、Investment Agreement and Investment Commitment Letter；
3. Pawn shop business rules、Internal management system and safety precautions；
4. Individual shareholder issued by the personnel department of the unit where the file is located、Resumes of proposed legal representatives and senior managers；
5. Recent financial audit report of the legal person shareholder and proof of capital contribution ability issued by a legally qualified accounting firm、Shareholders’ meeting (board) resolutions of legal person shareholders and copies of business licenses；
6. able to provide

Require

Commitment letter for business premises；

1. Capital verification certificate issued by a legally qualified capital verification agency；
2. "Notice of Preliminary Approval of Enterprise Name" issued by the market supervision department。

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