The microfinance industry is still booming，What are the admission requirements for small loan companies?

Finance is the blood of the industry，Financial poverty alleviation, especially poverty alleviation microfinance, has provided strong support for the development of our city's poverty alleviation industry.。this year，Our city actively replicates and promotes the “Lushi Model”，This article strives to do a good job in financial poverty alleviation，Further enhance the carrying capacity of financial resources，Strengthen industrial support。now，Innovative Applications of Information Technology，New economies and new business formats continue to emerge，It has opened up an efficient path for the development of small loan business.。

With big data、cloud computing、Internet of Things、The rapid rise of Internet small loans based on financial technology，It brings more convenience to the real economy、Efficient、Affordable financial services。With new technology、new model、The uniqueness of operating across time and space

Advantages

，Internet small loans in business risk control、Customer acquisition channels、Better operating costs，Compared with traditional small loans，Online small loans break geographical restrictions，Can conduct business nationwide via the Internet，It is the general trend to replace traditional small loans。

Financing problems that have long plagued small and medium-sized enterprises have not been resolved，on the other hand，Crowdfunding、Under the wave of crowdsourcing，Tens of thousands of start-ups emerge every day，Small and medium enterprises、Emerging entrepreneurial groups are in urgent need of financial irrigation。Establishment of regional microfinance industry association，Will provide exchanges for small loan companies across the region、Training platform，and become a self-regulatory organization for small loan companies、Legitimate interests representative，Promote the standardized development of small loan companies in the region。

So what do you need to know about applying for a small loan?

Require

? Let's take a look：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. Profitable for the past three consecutive 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)。

As an Internet small loan carrying the mission of inclusive finance，Not only has it brought about changes in financial services and product innovation，And by integrating the three major attributes of "Internet + Finance + E-commerce"，Greatly lowers the financing threshold、financing costs，Gradually becoming the most popular financing channel for small, medium and micro enterprises，It is also the current national implementation of mass entrepreneurship、An important carrier of innovation。

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