小额贷款公司的设立

小额贷款公司的设立 小额贷款公司的性质 小额贷款公司是由自然人、Investment and establishment of corporate legal persons and other social organizations，Does not accept deposits from the public，Limited liability company or joint stock company operating small loan business。

（以下信息由深圳市 港信通-有限公司编辑， A small loan company is a corporate legal person，Have independent legal person property，Enjoy legal person property rights，All property shall bear civil liability for its debts。小额贷款公司股东依法享有资产收益、参与重大决策和选择管理者等权利，以其认缴的出资额或认购的股份为限对公司承担责任。

小额贷款公司应执行国家金融方针和政策，in law、法规规定的范围内开展业务，Independent operation，Responsible for self-financing，self-restraint，at own risk，其合法的经营活动受法律保护，不受任何单位和个人的干涉。

two、小额贷款公司的设立 小额贷款公司的名称应由行政区划、Font size、industry、The organizational form consists of，其中行政区划指县级行政区划的名称，组织形式为有限责任公司或股份有限公司。 Shareholders of small loan companies must meet quorum requirements。

A limited liability company should be established with capital contributions of less than 50 shareholders；A joint stock company shall have 2–200sponsor，More than half of the sponsors must have residence in China。 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。 Apply to establish a small loan company，A formal application should be made to the provincial government authority，After approval，Go to the local industrial and commercial administration department to apply for registration and obtain a business license。

also，You should also report to the local public security agency within five working days.、Submit relevant information to agencies dispatched by the China Banking Regulatory Commission and branches of the People's Bank of China。 小额贷款公司应有符合规定的章程和管理制度，应有必要的营业场所、Organizational structure、具备相应专业知识和从业经验的工作人员。

出资设立小额贷款公司的自然人、企业法人和其他社会组织，拟任小额贷款公司董事、监事和高级管理人员的自然人，应无犯罪记录和不良信用记录。 小额贷款公司在当地税务部门办理税务登记，并依法缴纳各类税费。

three、小额贷款公司的资金来源 小额贷款公司的主要资金来源为股东缴纳的资本金、Donate funds，以及来自不超过两个银行业金融机构的融入资金。 in law、within the scope of regulations，小额贷款公司从银行业金融机构获得融入资金的余额，Must not exceed 50% of net capital。

融入资金的利率、期限由小额贷款公司与相应银行业金融机构自主协商确定，利率以同期“上海银行间同业拆放利率”为基准加点确定。 小额贷款公司应向注册地中国人民银行分支机构申领贷款卡。

向小额贷款公司提供融资的银行业金融机构，应将融资信息及时报送所在地中国人民银行分支机构和中国银行业监督管理委员会派出机构，并应跟踪监督小额贷款公司融资的使用情况。 Four、小额贷款公司的资金运用 小额贷款公司在坚持为农民、农业和农村经济发展服务的原则下自主选择贷款对象。

小额贷款公司发放贷款，应坚持“小额、The principle of decentralization，鼓励小额贷款公司面向农户和微型企业提供信贷服务，Focus on expanding the number of customers and service coverage。同一借款人的贷款余额不得超过小额贷款公司资本净额的5%。在此标准内，可以参考小额贷款公司所在地经济状况和人均GDP水平，制定高贷款额度限制。

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