Main business:How much does it cost to transfer a financing guarantee license/pawn license/insurance broker license/insurance agent license/online small loan license/small loan license transfer in Guangzhou?,consultant:(See attached picture for contact information) According to the business scope of the guarantee company,Guarantee companies can be divided into financing guarantee companies and non-financing guarantee companies。
Although both are guarantee companies,However, there are obvious differences in various aspects such as establishment and operation.,The differences are mainly reflected in the following points::1) The establishment approval procedures are different. Non-financing guarantee companies can be established by applying to the industrial and commercial administration department for establishment registration in accordance with the Company Law.,Applicable is the company law to the establishment of ordinary companies
Require
,Establish principles as normative principles。
The establishment of a financing guarantee company requires a strict pre-approval system,Establishing the principle of approvalism。2) The business scope of non-financing guarantee companies is different. The business scope of non-financing guarantee companies can only carry out litigation preservation guarantees.、bid security、advance payment guarantee、Project performance guarantee and guarantee business related to financing consulting,Allow their own funds to invest,In addition to the above business scope, financing guarantee companies,It also includes financing guarantee business such as *** guarantee。
3) Personnel restrictions vary. Non-financing guarantee companies can employ people as long as they comply with the relevant provisions of the Company Law.。However, financing guarantee companies must improve their rules of procedure、Decision-making process and internal audit system,It is necessary to establish a guarantee evaluation system that conforms to the principle of prudent operation、Post-event recovery and processing system,and have corresponding policies for its management personnel, etc.
Require
。
4) The degree of supervision and management is different. Non-financing guarantee companies do not have strict supervision.
Require
,However, there are strict regulatory procedures for financing guarantee companies.,Regulation is everywhere,Regulation involves the establishment、change、All aspects of operations。Transfer of one of its existing financing guarantee licenses,no debt,Package changes。
The business license can be obtained by calling (see attached picture for contact information) Registration conditions for Shenzhen Financing Guarantee Company:1) The name of the financing guarantee company should indicate the word financing guarantee 2) The shareholders have good reputation,No major violations of laws and regulations in the past three years;The founder of the enterprise has been operating continuously for more than 3 years,Profitable in the last two consecutive fiscal years,The cumulative net profit in the past three years has been more than 10 million yuan;Net assets are not less than 50 million yuan,The net asset-liability ratio shall not be higher than 70%;After the implementation of this project, the long-term investment amount shall not exceed 60% of the net assets.。
The shareholding ratio is not less than 30%,Two companies as sponsors,Each shareholding ratio is not less than 20%。Natural person as main sponsor,Should have a strong background、Have certain influence in the industry、No bad record;3) Proposed Director、Supervisors should be engaged in finance-related majors for more than 3 years,And hold a college degree or above***。Senior managers need to be engaged in finance-related majors for more than 5 years,And hold a bachelor's degree or above***。
4) The minimum registered capital of a financing guarantee company is not less than RMB 100 million.,and is paid-in monetary capital。Financing guarantee companies are approved by regulatory authorities,Can operate some or all of the following financing guarantee businesses:1、loan guarantee。2、Bill acceptance guarantee。3、trade finance guarantee。4、project finance guarantee。5、Letter of credit guarantee。6、Other financing guarantee business。
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