在广东省内设立一家典当行，具体条件和流程

随着国民经济的发展，典当行越来越受欢迎！如何设立典当行呢？具体哪些办法？港信通-为你解答！什么是典当？典当，It refers to the owner’s movable property、Property rights are pledged as collateral or real estate is pledged to a pawnbroker，Deliver a certain percentage

cost

，Get deposit，and pay interest on the deposit within the agreed period、repay the deposit、the act of redeeming something pledged。典当期限如何约定？

典当期限由双方约定，minutes 5 days、15day、30day、60day、180Different deadlines。During the pawn period and within 5 days after the expiration of the pawn period，Can be renewed by mutual agreement，The renewal period shall not exceed the original pawn period，The renewal period shall be calculated from the expiry date of the pawn period or the previous renewal period.。Continued at that time，The current account should settle the previous period's interest and the current period's

cost

。

Application conditions

1. Enterprises and individuals with strong economic strength。
2. Have two or more non-sole proprietorships investing and holding more than 51% of the shares of the pawn shop。
3. The business period of the enterprise participating in capital contribution and shareholding is more than three years.，Profit in the last two years，The amount of capital contribution shall not exceed 50% of one's own net assets。
4. Funded by natural persons，Proof of no intentional criminal record from the place of residence should be provided。
5. 经营场所应为临街商铺60平米以上，The lease term of a lease should be more than 3 years。
6. Should have professional evaluators and managers。Apply to set up a pawn shop，The following conditions should be met：The minimum registered capital of a pawn shop is 3 million yuan；Engaged in real estate mortgage pawn business，The minimum registered capital is 5 million yuan；Engaged in property rights pledge and pawn business，The minimum registered capital is 10 million yuan。

The minimum registered capital of a pawn shop shall be the monetary capital paid by shareholders.，Not included in kind、industrial property、non-patented technology、Capital contributed as a price for land use rights。

Set up a pawn shop，The applicant shall submit the following materials to the commercial department at the city (prefecture) level where the pawn shop is proposed to be established.：

1. Application for establishment (should state the name of the pawn shop to be established、address、Registered capital、Shareholders and capital contribution、business scope, etc.) and feasibility study report；
2. Pawn shop regulations、Investment Agreement and Investment Commitment Letter；
3. Pawn shop business rules、Internal management system and safety precautions；
4. Capital verification certificate issued by a legally qualified capital verification agency；
5. Individual shareholder issued by the personnel department of the unit where the file is located、Resumes of proposed legal representatives and other senior managers；
6. Recent financial audit report of the legal person shareholder and proof of capital contribution ability issued by a legally qualified accounting firm、A copy of the resolution of the board of directors (shareholders meeting) of the legal person shareholder and a copy of the business license；
7. conform to

Require

Valid proof of ownership or right to use the business premises；(8) "Notice of Preliminary Approval of Enterprise Name" issued by the industrial and commercial administration authority。

Pawn shops that meet the following conditions can operate across provinces (autonomous regions)、Municipalities) set up branches：

1. Operating pawn business for more than three years，Registered capital is not less than RMB 15 million；
2. Profitable for the past two consecutive years；
3. No illegal business records in the past two years。Pawn shops shall allocate no less than 5 million yuan in working capital to each branch.。The total working capital of each branch of a pawn shop shall not exceed 50% of the registered capital of the pawn shop.。

第十条申请人领取《典当经营许可证》后，应当在10日内向所在地县级人民政府公安机关申请典当行《特种行业许可证》，and provide the following materials：

1. Application report；
2. "Pawn Business License" and copy；
3. legal representative、个人股东和其他高级管理人员的简历及有效身份证件复印件；
4. legal representative、个人股东和其他高级管理人员的户口所在地县级人民政府公安机关出具的无故意犯罪记录证明；
5. Pawn shop business premises and storage warehouse floor plan、Building structure drawing；
6. Video equipment、Protective facilities、safe(cabinet)、warehouse) and fire protection facility installation、Set location map；
7. Various security measures、Fire safety management system；
8. Basic information about security organizations or security personnel。

典当行与银行都属于融资、lending institution，The purpose of business is to obtain loan interest，In comparison, there are the following differences：

1. Different business scope：In addition to lending business，Pawn shops also sell pawn items、Appraisal, evaluation and consulting services，Banks additionally operate deposit services、Exchange business、Agency business, etc.。
2. Business scale and organizational form are different：Banks are large state-owned and joint-stock enterprises，Registered capital、The scale of operation is quite large，Set up a large number of branches across the country。Pawn shops are companies with smaller capital，Limited scale，Single organizational form。
3. Loan procedures and procedures are different：Banks implement a system of separation of review and loan，The approval process is cumbersome，Takes a long time；And pawn shops lend money when they see something，High efficiency，fast，Convenient and flexible。
4. Different lending objects and characteristics：Banks mainly focus on large and medium-sized enterprises，Large amount、long term、Strict restrictions on the use of loans，Pawn shops are mainly small and medium-sized enterprises and individuals.，Small amount、Short term、Regardless of the purpose of the loan。
5. Different status effects：Banks occupy a dominant position in our country's national economy，It is the main part of the financial system，It plays the role of the main channel in regulating the supply and demand of social funds.；Pawn shops are a useful supplement to the financing channels of the entire society.，occupy a secondary position in economic life。本公司总部坐落在深圳福田中心区CBD拥有五十余人的核心的服务团队，Service areas include all aspects of business。

凭借着丰富的经验和社会资源，本公司服务过多家世界500强企业，Leading position in the industry，使得本公司成为诸多企业发展的最佳合作伙伴。Our purpose：成为您发展腾飞的最佳贴心商务专家！。

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