Port communicationThe application time for Shenzhen’s small loans is approaching the mid-term，As 13 traditional small loans upgraded to Internet small loans,，A friend asked，Has Shenzhen opened the registration of Internet small loan companies?。actually，It can be seen from the announcement，In fact, it is not open，But we also conducted inspections in various cities across the country for this purpose，Strive to develop relevant channels。so，We can help you register an Internet small loan company in Xi'an，More conditions are as follows。
one、Internet microfinance companies are named by their font size、industry、The organizational form consists of，The industry description in the name of an Internet small loan company should be marked with the words "Internet or online small loan"。
two、Apply to establish a small loan company to carry out online loan business，In addition to meeting the general conditions for establishing a small loan company，The following conditions should also be met：(1)Have a legal and normally operating network platform in China，Whether it is an independent or cooperative network platform, Wucha is included;(2)The online platform has potential online loan customers，Able to screen out customer groups that meet the needs of online loan business;(3)Has convenience、Efficient、low cost、Inclusive online micro-loan products;(4)Have reasonable online loan business rules、business process、Risk management and internal control mechanisms and other institutions;(5)Have the ability to include, but are not limited to, providing consultation、Apply、Review、credit、Approval、lending、Collection、A business system that operates independently with multiple functions such as inquiries and complaints，At the same time, Internet small loan companies can meet the requirements of regulatory information entry and submission and regulatory inspection.
Require
。
Internet small loan license
Application conditions
1.Registered capital is not less than 100 million yuan 2. The main sponsor has been in the past three years (if it has been established for less than three years)，Provide audited financial statements from the year of establishment to the previous year，Financial indicators (consolidated accounting statement caliber) should meet the following conditions：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%；The proportion of equity investment (including the intention to invest in the establishment of an Internet-specific small loan company) shall not exceed 50% of the net assets.。
3.Domestic corporate legal persons as investors：The asset-liability ratio at the end of the fiscal year before application shall not be higher than 75%；The proportion of equity investment (including the intention to invest in the establishment of an Internet-specific small loan company) shall not exceed 50% of the 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.The main sponsor’s capital contribution proportion of the proposed Internet-specific small loan company shall not be less than 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。
Director of small loan company、supervisors and senior management
Require
：(1) Director of a small loan company、Supervisors should have financial knowledge appropriate to the performance of their duties、Experience and ability，Have a college degree or above (including junior college)，Engaged in relevant economic work for more than 3 years，Under 65 years old； (2) The chairman and senior managers of small loan companies should have more than 5 years of working experience in the financial industry，Or more than 8 years of work experience in related economic work，Have a college degree or above (including junior college)； (3) General Manager、Senior managers such as deputy general managers must be full-time，At least one senior manager must have worked in a credit or related management position；(4) No criminal record or bad credit record。
Summarize the various conditions above，It can be seen that the registration of Internet small loan companies
Require
Still quite high，No matter from the perspective of registered capital,，Still from senior management
Require
，Enterprises without certain strength cannot carry out this business.。It will operate normally later，For the establishment of company risk system，Risk control，has a particularly high
Require
。
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