[Sheng Lian Guorong] Many years of industry experience, professional microfinance

[Sheng Lian Guorong] Many years of industry experience, professional microfinance. Microfinance is based on public information statistics so far.，There are 129 Internet microfinance companies across the country(Including 2 companies that have received approval from the local financial office but have not yet registered with the industrial and commercial registration)，64%of companies have a listed company background。

More than 70% of these companies are involved in the industrial field，Distributed in business logistics、car、real estate、architecture、Building materials and home furnishing industries，People rushing to the beach one after another，And Tencent、Ali、Baidu Internet giant，and Internet financial upstarts，For this reason, Hong Kong Information Communication has compiled some information related to small loans.，Hope it helps you。

What are the application qualifications for a small loan company?? Main sponsor qualifications： The main sponsor must be a corporate legal person，and

Require

satisfy："Calculated according to the caliber of consolidated accounting statements，Net assets of more than 30 million yuan，The asset-liability ratio is not higher than 70%，Profitable for the past two consecutive years，And the total cumulative net asset profit in the two years reaches more than 10 million yuan" condition!Only main sponsors who meet the above conditions for the establishment of a small loan company can invest in a small loan company.。

This is it

Require

The main sponsor is a large and influential local business group，capable、Have funds、If you have connections, you can organize the establishment of a small loan company。 Requirements for application establishment：

1. Have articles of association that comply with the Company Law of the People's Republic of China;
2. The organizational form of a small loan company is a limited liability company，Its registered capital shall not be less than 20 million yuan;The organizational form is a joint stock limited liability company，Its registered capital shall not be less than 30 million yuan。

The upper limit of registered capital for small loan companies is 200 million yuan;

1. Have directors and senior managers who meet the qualifications and staff with corresponding professional knowledge and experience;
2. Have a sound organizational structure、Business operating rules and risk control systems;
3. There is conformity

Require

business premises、Safety precautions and other necessary facilities;

1. Other prudential conditions Article 2 of the above，is to control risks，Excessive registered capital will amplify risks!Article 3，It is to regulate the daily operations of small loan companies.，to achieve risk control! As for the first、Four、The fifth is some literary work。

Article 6，As long as the shareholders are legal persons or individuals operating legally, they will generally be able to pass! What application materials do small loan companies need??

1. Have regulations that comply with regulations。
2. The sponsor or investor should meet the specified conditions。
3. The organizational form of a small loan company is a limited liability company or a joint stock company.。

A limited liability company should be established with capital contributions of less than 50 shareholders;A joint stock company should have 2-200 promoters，More than half of the sponsors must have residence in China。

1. The source of registered capital of a small loan company should be true and legal，All are paid-in monetary capital，Pay in full at one time by the investor or promoter。The registered capital of a limited liability company shall not be less than 5 million yuan，The registered capital of a joint-stock company shall not be less than 10 million yuan。

single natural person、Corporate legal person、Shares held by other social organizations and their affiliates，shall not exceed 10% of the total registered capital of the small loan company。

1. Have directors and senior managers who meet the qualifications。
2. Have staff with corresponding professional knowledge and experience。
3. Necessary organizational structure and management system are required。
4. There is conformity

Require

business premises、Security precautions and other business-related facilities。

1. Other prudential conditions specified by the Provincial Government Finance Office。 small loan company

Application process

What are there? [Sheng Lian Guorong] What are the following issues you need to pay attention to when applying for a small loan company??

1. Are the organizational documents complete?? The establishment of small loan companies must be approved by relevant departments，Quantity is very limited，Therefore, when choosing a loan from a private institution，First check whether the company’s relevant documents are authentic and complete。
2. Is the lender an individual or a business?? Since loan processing is a core control and management business in the financial industry,，Individuals generally do not have agency qualifications，You must apply for a loan from a formal and legal bank financial institution or other financial institution that can issue loans.。
3. Can ID cards be used as collateral for mortgage loans??? Many lending institutions advertise that you can apply for unsecured loans with your ID card.，In fact, many of them are fraudulent，Many fraud criminals use this "unsecured loan" as an excuse to obtain valid information about borrowers，Then use online banking to withdraw the lender's funds，So be careful of those institutions that say you can apply for a loan with your ID card。
4. Are interest rates too high?? Nowadays, national regulations，The annual interest rate for private loans shall not be higher than 4 times the national benchmark interest rate.，Otherwise, it is usury，Not protected by the state，So be careful of lenders with very high interest rates。 The above is the meaning of small loans compiled by Hong Kong Xintong for everyone、conditional sum

Things to note

，Hope it helps everyone。

About Hong Kong Xintong

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