Port communicationWith the news that Shenzhen small loans can submit application materials,，小贷圈的很多朋友纷纷前来咨询，Ask me if applications for Internet small loans are also open。Frankly speaking，Internet small loans are almost about to be opened.，It's just a matter of time。Now we have an exclusive channel，Can help you get this small Internet loan in Xi'an，更多相关的资讯直接咨询我，Give you a satisfactory answer。
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
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Internet small loan investment
Require
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- Investment ratio exceeds 30%，Review based on sponsor qualifications；
- If the capital contribution ratio is less than 30%, it should be met：Established for three years or more、Net assets are not less than 100 million yuan，The asset-liability ratio shall not be higher than 65%，In principle, the long-term investment amount after the implementation of this project shall not exceed 60%，And it has been profitable in the past two years，The cumulative total net profit is not less than 20 million RMB，The accumulated tax payment is not less than 6 million RMB；
- The total shareholding ratio of core management personnel shall not exceed 5%.，Investment by other social natural persons is temporarily restricted；
- 拟任高级管理人员（总经理）应从事金融业相关工作5年以上（银行业从业5年以上经验），Have a bachelor's degree or above (inclusive)；
- Proposed Director、supervisor、Legal persons should have financial knowledge appropriate to the performance of their duties，engaged in economics、More than 3 years of financial related work，College degree or above (inclusive)；
- The business premises of a small loan company must be at least 300 square meters.，Passed fire inspection and acceptance。
Now is the era of Internet economy，The traditional banking industry is increasingly unable to meet customer fragmentation、Scenario-based、Personalized investment and financing needs，Traditional microfinance business is no exception，”港信通国际首席分析师汤经理表示，The Internet has greatly accelerated the efficiency of economic operations，Explosive growth in demand for small, medium, micro, and personal loans，Traditional small loan companies carry out loan business in an offline mode，in time、space、Risk control、Transaction costs and other aspects no longer exist
Advantages
，所以借助互联网技术来创新金融服务和产品，已成为小贷行业发展的新方向。
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