Port communication（申报日期：每年3月1日-4月30日、7月1日-8月31日）一、
Application conditions
：（一）最低注册资本。The organizational form of a small loan company is a limited liability company，Registered capital shall not be less than RMB 300 million；The organizational form is a joint stock company，Registered capital shall not be less than RMB 400 million。（出资为货币资金，一次性缴足）（二）主发起人和其他出资人资格。
1.Qualifications of main sponsor
Require
。
Chief sponsor of microfinance company，In addition to complying with the relevant provisions of the "Interim Measures"，The following conditions should also be met：(1) Net assets shall not be less than RMB 200 million，The asset-liability ratio shall not be higher than 65%，And in principle, the long-term investment amount after the implementation of this project investment shall not exceed 60% of the net assets (consolidated accounting statement caliber)；(2) Consecutive profits in the past three years，The cumulative total net profit is not less than RMB 60 million，And the cumulative total tax paid is not less than RMB 18 million (consolidated accounting statement caliber)。
2.其他出资人的资格
Require
。
小额贷款公司的其他出资人除应符合《暂行办法》相关规定外，还应具备以下基本条件：（1）企业、社会组织、经济组织等作为其他出资人的，依照出资比例划分为两类：Category 1：出资比例超出（含）30%的，原则上参照主发起人资格条件予以审核；Category 2：出资比例低于30%的，The following conditions should be met：Established for three years or more，Net assets shall not be less than RMB 100 million，The asset-liability ratio shall not be higher than 65%，In principle, after the implementation of this project, the long-term investment amount shall not exceed 60% of the net assets.，且近两年连续赢利，净利润累计总额不低于人民币2000万元，累计缴纳税收总额不低于人民币600万元。
（合并会计报表口径）（2）探索建立小额贷款公司高管人员股权激励机制，允许核心管理人员持股比例总额不超过5%，Investment by other social natural persons is temporarily restricted。3.申请设立小额贷款公司时，The capital contribution proportion of the main sponsor shall not be less than 30% of the total registered capital and shall be a relatively controlling；其他出资企业出资比例不得低于注册资本总额的5%。
4.In principle, the number of small loan companies established by the same investor and its related parties is one。出资人的限制性行业类型：（经市相关部门认定，Involves engaging in high pollution、Enterprises in high-energy-consuming industries and other restricted industries are not allowed to participate in the pilot program of small loan companies；For investors or related parties, it is a financing guarantee company、Pawn investment companies and real estate development companies，Temporarily restricted。
）二、Application materials：(1）设立申请书：内容包括小额贷款市场需求和预测分析、拟设立小额贷款公司的名称、Registered address、Registered capital、Equity structure and shareholder information (name of legal person shareholder、法定代表人姓名及户籍所在地公安机关出具的无违法犯罪证明、Registered address、Company credit status、Audited financial accounting report，Name of natural person shareholder、address、Proof of identity、personal income、信用情况及户籍所在地公安机关出具的无违法犯罪证明）；（2）出资人协议书（附件1）和承诺书（附件2），内容包括各出资人关于共同出资设立小额贷款公司的协议书和自觉遵守相关规定和章程、Do not engage in illegal activities、Commitment letter for illegal activities；（3）公司设立方案：内容包括拟设公司章程草案、主要管理制度安排（主要包括公司治理结构、financial management system、贷款授信和风险控制制度，资产分类和拨备制度、信息披露制度）；（4）主发起人基本情况：包括主发起人的名称、Registered address、legal representative、A copy of the business license that has passed the annual industrial and commercial inspection、入股资金来源说明、经审计的近三年财务报告、深圳市企业信用信息中心出具的《企业信用报告》；（5）其他出资人基本情况：Natural persons as investors，需提交自然人股东的姓名、Proof of identity、居住场所证明、个人收入来源证明及入股资金来源说明、依法设立的征信机构出具的个人信用报告；企业或其他社会组织作为出资人的，需提交出资人名称、address、代表人（或负责人）姓名、经年审的工商营业执照或相关资格证明、经审计的近一年财务报告、资信证明（深圳本地企业提供深圳市企业信用信息中心出具的《企业信用报告》）；（6）任职资格申请：包括拟任职董事、监事和高级管理人员的任职资格申请书（附件3）、Proof of identity、工作经历或从业资格证明、依法设立的征信机构出具的个人信用报告、学历证明材料及经国家教育行政主管部门授权机构出具的学历认证文件；（7）律师事务所出具法律意见书：内容包括小额贷款公司出资人及关联情况，是否有重大违法、Violations；（8）依法设立的验资机构出具的验资报告；（9）营业场所使用证明材料；（10）市公安消防部门出具的消防行政许可法律文书；（11）市公司登记机关出具的拟设公司名称预先核准通知书。
three、资格初审市金融办经资料初审完毕后，由市经贸信息委、Municipal Public Security Bureau、市场监督管理局、人民银行深圳市中心支行和深圳银监局等相关部门按照职责分工对小额贷款公司试点申请进行初步审查，提出具体审查意见。
in：1.市经贸信息委负责对主发起人或主要出资企业及出资企业股东是否涉及从事融资性担保、典当投资、“两高一资”行业企业等情况进行认定，出具具体审核意见。2.市公安局负责对小额贷款公司自然人股东、Proposed legal representative、director、监事和高级管理人员身份情况、是否存有违法违规等情况进行认定，出具具体审核意见。
3.市市场监管局负责对主发起人或主要出资企业信用信息、缴税情况、是否涉及从事房地产开发、是否存有违法违规等情况进行认定，出具具体审核意见。必要时市金融办可征求核实市税务部门意见。
4.中国人民银行负责对主发起人或主要出资企业信用信息、信贷情况，以及小额贷款公司自然人股东、Proposed legal representative、director、监事和高级管人员身份情况、信用信息等情况进行认定，出具具体审核意见。必要时市金融办可征求所在单位意见。5.深圳银监局负责对董事、监事及高级管理人员的金融从业资格和经历进行认定。
必要时市金融办可征求核实所在单位意见。审批申请受理机关深圳市人民政府金融发展服务办公室深圳港信通-为您提供专业的商务服务，Welcome to inquire，Telephone：0755—。
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