What are the characteristics of the establishment conditions and business model of small loan companies compared with banks?

There are thousands of banks in China，But it’s rare to see a successful business operation.，Most banks are lackluster。Under the impact of economic structural adjustment and Internet finance，Many bank businesses are in turmoil。For the credit industry，What China lacks most is lending institutions that can tap high-quality assets in bulk.。

on the pattern，For small loans, you can first consider "+ small loans"，In front of the "+" sign，It can be a supply chain，It can be a business district，It can be a channel，Can be a channel，Can be a project，Can be various plans，etc.。waiting ability、technology、brand、After the reputation has accumulated to a certain thickness and breadth,，Then you can change the mode to "Small Loan +"，Behind this "+" sign is deep integration into the real industry.、A financial ecosystem that connects the capital side and the asset side。

This is the methodology of “jumping out of small loans and doing small loans” and “building a platform” that leaders often mention.、The strategic theory of "doing ecology"。Finance is intrinsic to the economy，Customer needs are diverse、fragmented、全周期的，Mixed business operation is a financial return entity、The origin of service entities

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。In both modes，In the former, small loans are tools，The latter is a small loan platform；The former is a small loan to find resources.，The latter is resources to find small loans。

no matter which mode，The most important thing is professional ability，This professional ability includes：Market development capabilities like a wolf and a tiger，Stable and accurate risk control capabilities，Hungry and continuous learning ability，Ability to analyze macro trends，Ability to understand industries and companies，Insight into customer needs，Ability to graft financial technology, etc.。so，The difference is not what type of institution you belong to，It depends on whether you have sufficient professional ability。

The core points of financial intermediation theory are，Financial functions are more stable than financial institutions。Financial institutions can disappear，The financial function is indispensable。The analogy here means，Your professional ability is more critical than what type of institution you are in、Even more awesome。China’s finance to some extent，Still groping in troubled times，Troubled times mean many opportunities，But the risk is also more terrifying。A foothold in troubled times，What is needed more is ability。

one，Small loans for professionalism

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Far better than a bank，After all, what we are dealing with are subprime assets.，Walking on a tightrope is better than walking on a flat road，more challenging。Second，China needs to build a multi-level、All-round、Extensive credit system，Need a small loan institution，From this point of view，Small loans have a strong sense of mission and responsibility。

Regulatory aspects，Small loans as non-deposit-taking lending institutions，different from bank，no externalities，Supervision of small loans，The main tone should be weak supervision，Keep the legal bottom line，You can let go of everything else，Such as single amount、lending area、Leverage size, etc.，Let the market decide。China’s financial supervision has done a lot without logical basis、Things that cannot be supported by law，Indeed, the system has been introspected, absorbed, summarized, summarized, adjusted and modified.。

China's banks have been influenced by strong industry supervision and conservative management for a long time.，There are many incompetencies、No、inconvenience and inconvenience，China’s credit market in particular needs to be dynamic、innovative、A large number of responsible lending institutions will impact, activate, influence and guide。Relax some unreasonable regulations，Release the vitality that small loans should have，给小贷应有的地位，是尊重市场规律的体现，It is also necessary to support the real economy。

Conditions for establishing a small loan company：

1. Have articles of association that comply with the provisions of the Company Law of the People's Republic of China。
2. 有限责任公司的注册资本不低于3000万元人民币〔山区县（市、District) not less than 15 million yuan]，The registered capital of a joint-stock company shall not be less than RMB 50 million [mountainous county (city)、District) not less than 20 million yuan]，All sources of capital should be true and legal，paid-in monetary capital，Paid in full by the investor or promoter in one lump sum。During the pilot period，The upper limit of registered capital is RMB 200 million。

Healthy operation for more than 1 year，Meet supervision in all aspects

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，Can apply for expanded capital injection based on actual needs。(3) The total shareholding ratio of the main sponsor (or largest shareholder) and its related parties does not exceed 45%，The total shareholding ratio of each main sponsor (or largest shareholder) and its affiliates shall not exceed 20%.，The shareholding ratio of the remaining individual shareholders and their related parties shall not exceed 10% of the total registered capital of the small loan company.，A single shareholder’s shareholding shall not be less than 1%。

The shares held by the main sponsor (or largest shareholder) shall not be transferred within 3 years from the date of establishment of the small loan company.，Other shareholders are not allowed to transfer within 2 years。

1. 有具备任职专业知识和业务工作经验的高级管理人员。
2. 有具备任职专业知识和从业经验的工作人员。
3. Have the necessary organizational structure and management system。
4. There is conformity

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

1. 省级业务主管部门规定的其他条件。

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