I. Registration and licensing procedures
Industrial and commercial registration: Pawnshops need to register with the administrative department for industry and commerce, obtain a business license and establish a legal business status.
Special industry license: Pawnshops belong to special industries, and they need to apply to the local financial supervision department for a pawn business license before they can carry out pawn business.
Second, the qualification requirements
Registered capital: Pawnshops need to have a certain amount of registered capital, the specific amount varies according to the regulations of different regions and industries, but the requirements are usually higher to ensure their stable operation.
Business premises: Pawnshops should have fixed business premises, which should meet the requirements of safety and fire prevention to ensure the safety of customers' property.
Qualification of employees: Pawnshop employees should have corresponding professional knowledge and skills in finance, law and evaluation, and should receive relevant training to obtain corresponding qualifications.
Three. Other requirements
Risk control system: Pawnshops should establish a perfect risk control system, including customer credit evaluation, collateral valuation and loan amount control. , reduce business risks.
Information security: Pawnshops need to take measures to ensure the security of customer information and transaction data and prevent information leakage and abuse.
To sum up:
The establishment and operation of pawn shops need to go through the formalities of industrial and commercial registration and special trade license, and meet the requirements of registered capital, business premises and qualification of employees. In addition, it is necessary to establish a risk control system and information security measures to ensure business compliance and stability.
Legal basis:
Measures for the administration of pawn
Article 4 provides that:
The establishment of a pawnshop shall meet the following conditions:
(1) Having articles of association that comply with laws and regulations;
(2) The registered capital has reached the minimum amount stipulated in these Measures;
(3) Having a business place that meets the requirements and facilities necessary for conducting business;
(4) Having managers and evaluators who are familiar with the pawn business;
(five) there are more than two corporate shareholders, and the legal person shares are relatively controlled;
(six) in accordance with the provisions of the ninth and tenth provisions of the safety management requirements;
(seven) other conditions stipulated by the competent department of commerce of the State Council.
Company Law of the People's Republic of China
Article 7 provides that:
A company established according to law shall be issued a business license by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.