1. What are the requirements for a registered credit company? There are articles of association that meet the requirements, and the promoters or investors shall meet the requirements. The company is organized as a limited liability company or a joint stock limited company. A limited liability company shall be established by capital contribution of shareholders with less than 50 persons; A joint stock limited company shall have two to two hundred promoters, more than half of whom shall have domicile in China. The registered capital of the company comes from true and legal sources, and all of them are paid-in monetary capital, which shall be paid in full by the investor or promoter at one time. The registered capital of a limited liability company is not less than 5 million yuan, and the registered capital of a joint stock limited company is not less than 6.5438+million yuan. The shares held by individual natural persons, corporate legal persons, other social organizations and their related parties shall not exceed 65,438+00% of the total registered capital of the company. Second, how to open the name of the loan company, go to the industrial and commercial bureau to get an application form for pre-approval of enterprise name and prepare the application documents. Investors should prepare relevant qualifications at the same time or in advance with the above application materials. The investor shall, in accordance with the Detailed Rules for the Implementation of the Interim Measures for the Administration of Financing Guarantee Companies, prepare the relevant qualifications required for the establishment of a financing guarantee company, including the office location, the list of directors, supervisors and senior managers, and the capital contribution. Legal basis: Article 8 of the Interim Provisions on the Administration of Loan Companies shall meet the following conditions: (1) There are articles of association that meet the requirements; (2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time; (3) Having senior managers with professional knowledge and professional work experience; (4) Having staff with corresponding professional knowledge and work experience; (5) Having the necessary organizational structure and management system; (6) Having business premises, safety precautions and other business-related facilities that meet the requirements; (7) Other conditions stipulated by China Banking Regulatory Commission. Article 9 To establish a loan company, its investors shall meet the following conditions: (1) The investors are domestic commercial banks or rural cooperative banks; (2) Its assets are not less than 5 billion yuan; (3) Good corporate governance and sound and effective internal control; (four) the main prudential supervision indicators meet the regulatory requirements; (5) Other prudential conditions stipulated by the CBRC. Twenty-third loan companies should adhere to the principle of small-scale decentralized loans, improve loan coverage, and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital.
2. Can a newly registered company get a loan?
It is generally difficult for newly established companies to obtain loans. After all, many banks require enterprises to operate for more than two years before applying for loans, and some lending institutions will provide loan services at least one year after the company is established.
However, compared with the operating years of enterprises, banks and lending institutions pay more attention to the repayment ability, profitability and development space of enterprises. Therefore, a good development project may provide land and real estate as collateral, or a well-qualified third party may provide guarantee, even if it has just been established, it may not be unable to get a loan.
What are the loan types?
According to different classification standards, there are many types of bank loans:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. Interest rates of fixed-rate loans and floating-rate loans.
Legal basis:
General principles of loans
Seventeenth enterprises (legal persons), other economic organizations, individual industrial and commercial households or natural persons with full civil capacity registered in China with the approval of the administrative department for industry and commerce (or the competent authority).
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the loan funds have not been misappropriated, and the credit is strictly observed:
(a) have the ability to repay the principal and interest on schedule, and the original payables have been paid off; If there is no repayment, it means that a repayment plan has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. The account has been opened.
Four, except as stipulated by the the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.
V. Does the borrower's asset-liability ratio meet the requirements?
Six, to apply for medium and long-term loans, the proportion of enterprise legal persons in new projects shall not be lower than the proportion of capital of investment projects stipulated by the state.
3. What are the requirements for starting a company?
Formal needs 50 million fixed funds and fixed stores.