I. Microfinance companies
Microfinance companies are limited liability companies or joint stock limited companies established by natural persons, corporate legal persons and other social organizations that do not absorb public deposits and operate microfinance business. A company is an enterprise legal person, with independent legal person property, enjoying legal person property rights, and bearing civil liability for debts with all its property. The application procedures are simple and convenient, avoiding complicated evaluation and guarantee procedures, and there is no need to prove any assets. Be loved by * *.
2. What are the procedures for microfinance companies?
Microfinance company refers to a limited liability company or joint stock limited company established by natural persons, enterprise legal persons and other social organizations according to law, which does not absorb public deposits and operates microfinance business.
The shareholders of the microfinance company shall be domestic natural persons, corporate legal persons or other social organizations, and the largest shareholder shall be the natural persons, corporate legal persons or other social organizations in the districts and counties where the microfinance company is located. Persons with criminal records and bad credit records may not become shareholders of microfinance companies.
As a shareholder of a small loan company, a domestic enterprise as a legal person shall meet the following conditions:
(a) registered in the administrative department for Industry and commerce, with legal personality;
(2) Having a good social reputation, good credit record and tax payment record;
(3) It is in good financial condition, and it is profitable in the whole fiscal year before it becomes a shareholder;
(4) The sources of the shares are legal, and the shares are actually owned, and the borrowed funds or the funds entrusted by others shall not be used for shares;
(5) Having strong management ability and financial strength;
(six) other conditions required by the municipal competent department.
A domestic natural person who is a shareholder of a microfinance company shall meet the following conditions:
(1) Having full capacity for civil conduct;
(2) Having a good social reputation and credit record;
(3) The shares have legal sources and are physical assets, and the borrowed funds or the funds entrusted by others shall not be used for shares; (4) Market owners
Other conditions required by the administrative department.
If other social organizations in China invest in small loan companies, they shall comply with the relevant provisions of the state on the investment management of other social organizations, have a good social reputation and integrity record, have the qualifications of investors and have financial strength, and shall not use borrowed funds or funds entrusted by others to become shareholders.
The basic conditions and procedures for applying for the establishment of a microfinance company are as follows:
To apply for the establishment of a small loan company, in addition to meeting the basic conditions stipulated in the Company Law, it shall also meet the following conditions:
(1) The source of the registered capital of the microfinance company is true and legal, and all of them are paid-in monetary capital, which shall be fully paid by the investor or promoter at one time. The registered capital of a limited liability company is not less than 50 million yuan, and the registered capital of a joint stock limited company is not less than 654.38 billion yuan.
(2) When applying for the establishment of a small loan company, the capital contribution ratio of the main promoters shall not be less than 30% of the total registered capital; The contribution ratio of the remaining individual investors and their related parties shall not exceed 5% of the total registered capital.
(3) A company engaged in microfinance shall specialize in microfinance business and shall not run other businesses concurrently.
The procedures for applying for the establishment of a business license for operating a small loan company are as follows:
(1) The company to be established applies to the industrial and commercial department for name pre-approval with relevant materials.
(2) The proposed company shall go to the Financial Development Service Office of the Municipal People's Government for approval with the Notice of Name Pre-approval. Small loan companies involving overseas (including Hong Kong, Macao and Taiwan) investors shall handle the approval documents of the Municipal Bureau of Trade and Industry in addition to the approval documents of the Municipal Finance Office.
(3) Where a limited liability company is established, it shall apply for a business license with the documents approved by the Financial Development Service Office of the Municipal People's Government and other relevant materials to the industrial and commercial registration department where it intends to apply for a business place; Where a joint-stock company is established, the approval documents and other relevant materials of the Financial Development Service Office of the Municipal People's Government shall be submitted to the registered branch for business license.
The above contents are related answers. Under normal circumstances, if you want to handle a small loan company, you need to have enough registered capital. The registered capital of the microfinance company is100000. As a domestic enterprise legal person, as a small loan, the shareholders of the company need to have sufficient credit and social reputation.