legal ground
1. Pilot guidance for microfinance companies;
2. The implementation plan for the special rectification of the risks of online microfinance business of microfinance companies.
registered capital
The registered capital is more than 300 million yuan (inclusive).
scope of business
Obtain loan customers on the network platform, comprehensively use the big data information such as customer operation, consumption, transaction and life accumulated on the network platform, or use real-time scene information to analyze customer credit risk and grant credit, and complete the whole process of loan services such as loan application, risk review, loan approval, loan issuance and loan recovery online.
Conditions of establishment
(1) The board of directors or shareholders' meeting has decided to apply for online loan business;
(2) The registered capital is more than 300 million yuan (inclusive);
(3) It has a legal and normal network platform in China (including its own network platform or cooperative network platform); Can screen out the customer groups that meet the needs of developing online loan business;
(4) Having reasonable online loan business rules, business processes, risk management and internal control mechanisms;
(six) there are full-time personnel responsible for the security of the network platform, and the technical person in charge should have more than 3 years of computer network work experience and relevant professional qualifications;
(7) Set the company's business place in Hunan, where the main functional departments, senior managers and staff should work;
(8) A microfinance company shall open a basic deposit account in a bank in the region where it is located;
(nine) other prudential conditions stipulated by the provincial government financial office.
Establishment program
(1) After the pilot county and city governments select and determine the main sponsor of the microfinance company, the main sponsor will apply for the establishment and submit relevant materials;
(two) the application and related materials submitted by the main sponsors shall be submitted to the provincial local financial securities office after being examined and signed by the pilot county, city and state governments. If it meets the preparation conditions, it shall be approved for preparation;
(3) After the establishment of a small loan company is approved, the main sponsors should start the preparatory work as soon as possible, such as applying for capital verification, convening shareholders' meeting, drafting the articles of association and management system, selecting senior managers, and applying for starting business;
(four) after the preparatory work is basically completed, the promoters apply to the provincial local financial securities office for opening business and submit the relevant materials approved by the municipal and county governments;
(5) After accepting the relevant materials, the provincial local financial securities office will organize the opening audit. If it meets the requirements, it shall be approved;
(six) after the small loan company is approved to start business, it shall apply to the local city and county administrative department for industry and commerce for registration and obtain a business license with the original approval documents;
(7) At the same time, complete tax registration, apply for loan cards and submit relevant materials to public security organs, financial departments, banking supervision departments and branches of the People's Bank of China within the prescribed time limit, realize listing business and handle micro-loan business;
(8) Small loan companies that have been approved to start business shall be listed for business within 45 working days from the date of approval.
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