How to apply for a personal loan company? What is the procedure?

You should be talking about microfinance companies. The following are the requirements for the establishment of the company in the Measures for the Administration of Small Loan Companies. For others, please refer to the Measures for the Administration of Small Loan Companies in your province. Chapter II Establishment of Companies Article 5 Small loan companies are divided into limited liability companies and joint stock limited companies. Its name shall conform to the provisions of the state on the management of enterprise names, and shall be composed of administrative divisions, brand names, industries and organizational forms in turn. Administrative divisions refer to the names or place names of county-level administrative divisions. Conditions for the establishment of a small loan company: (1) Having articles of association that conform to the Company Law of People's Republic of China (PRC). (2) If the organization form of the microfinance company is a limited liability company, its registered capital shall not be less than 20 million yuan; If the organization is a joint stock limited company, its registered capital shall not be less than 30 million yuan. The maximum registered capital of a small loan company shall not exceed 200 million yuan. (3) Having qualified directors, senior managers and staff with corresponding professional knowledge and experience. (4) Having a sound organizational structure, business operation rules and risk control system. (5) Having a business place, safety precautions and other necessary facilities that meet the requirements. (6) Other prudential conditions. Article 6 The qualifications of the chairman, vice-chairman and senior managers of a microfinance company applying for a pilot project shall meet the following conditions in addition to those stipulated in the Company Law of People's Republic of China (PRC): (1) The candidate shall have full capacity for civil conduct and have no criminal or bad credit record. (2) The candidate or his/her spouse has no large amount of outstanding debts due, or the high-risk investment he/she is engaged in cannot obviously exceed his/her family property affordability. (3) The chairman and vice-chairman to be appointed shall have a college degree or above, and have been engaged in financial work for more than 3 years, or engaged in related economic work for more than 5 years (including 2 years in financial work); Be able to use financial statements and statistical statements to judge the company's operation and risk status; Understand the corporate governance structure, articles of association and responsibilities of the board of directors of the proposed institution. (four) as a senior manager, should have a college degree or above, engaged in financial work for more than 3 years, or engaged in related economic work for more than 5 years (including engaged in financial work for more than 2 years); The proposed person should understand the responsibilities of the proposed post Article 7 To apply for the establishment of a small loan company, the applicant shall first submit the application materials to the county (city, agriculture-related area) government. The application materials include: (1) application for establishing a small loan company. The contents include: analysis of local economic and financial development and demand for small loans, business development of main promoters, resumes of directors, supervisors and senior managers to be proposed. (2) Letter of commitment from the investor. The investor promises to consciously abide by the national and provincial regulations on microfinance companies, abide by the articles of association of the company, participate in management, take risks, not engage in illegal financial activities, ensure the legitimate source of shares, and not use borrowed funds to become shares, or use funds entrusted by others to become shares. (3) investor agreement. Agreement between shareholders on the establishment of a small loan company with capital contribution. (four) the basic situation of small loan companies. Including the name, domicile, business scope and registered capital of the institution. The register of shareholders of the microfinance company, including corporate shareholders's name, legal representative's name, registered address, capital contribution and shareholding ratio, and the name, domicile, ID number, capital contribution and shareholding ratio of natural person shareholders. Copy of business license, resume and ID card of natural person shareholder attached to corporate shareholders. (5) Investors other than natural persons shall provide audited financial and accounting reports for the last two years. (6) The draft articles of association of the microfinance company, including relevant contents of compliance operation and risk prevention. (7) A capital verification report issued by a statutory capital verification institution. (8) Legal opinions on the relationship between investors of microfinance companies issued by lawyers' intermediaries. (9) Applications for the post qualifications of the directors, supervisors and senior managers to be appointed. (10) Certificate of residence use and certificate of ownership or use right of business premises. (eleven) other relevant materials. Article 8 The county (city, agriculture-related area) government shall carefully examine the application materials of the small loan company and draw up the application plan: (1) The county (city, agriculture-related area) government applies for the pilot of the small loan company. (two) the county (city, rural area) government's commitment to risk prevention and disposal of small loan companies. (3) Application materials of the microfinance company. Article 9 The application scheme of a small loan company shall be submitted by the local county (city, agriculture-related area) government to the municipal government for examination and approval, and after the audit opinion is issued, it shall be submitted to the Finance Office of the provincial government. The Provincial Government Finance Office organizes the Qualification Examination Committee to conduct qualification examination on the pilot application of small loan companies, and after examination and approval, submit it to the leading group for deliberation by voting. After deliberation and approval, the financial office of the provincial government decided to report the ticket to the provincial government. According to the opinions of the provincial government, the financial office of the provincial government will issue relevant documents on the pilot construction of microfinance companies. Article 10 The establishment of a small loan company shall go through two stages: preparation and opening. Article 11 Establishment of small loan companies. The financial office of the provincial government shall make a reply within 60 days from the date of receiving the complete application materials. Twelfth preparation period is 6 months from the date of the approval of the provincial government financial office. If the preparatory establishment is not completed on schedule, an application for extension shall be submitted to the Finance Office of the provincial government within 30 days before the expiration of the preparatory establishment period, and the Finance Office of the provincial government shall make a reply within 20 days from the date of receiving the application for extension. The preparation period can be extended for up to 90 days. The sponsor shall submit an application for starting business to the financial office of the provincial government before the expiration of the preparation period; Fails to submit, the preparation of the reply is invalid, by the provincial government financial office to recover. Thirteenth small loan companies opened. The financial office of the provincial government shall, within 60 days from the date of receiving the application for the opening of the preparatory group, review the preparation of the microfinance company and make a reply. Article 14 The preparatory group shall, within 60 days from the date when the government finance office approves the opening of business, register with the administrative department for industry and commerce with the approval documents and obtain a business license. If it fails to register within the time limit, it shall be reported to the Financial Office of the provincial government to confirm the validity of the original documents. Fifteenth small loan companies should complete their business within 90 days from the date of obtaining the business license. Failing to start business on schedule, you can apply for extension within 30 days before the expiration of the opening period, and the financial office of the provincial government shall make a reply within 20 days from the date of receiving the application for extension. Failing to start business within the prescribed time limit, the Finance Office of the provincial government shall withdraw the approval document, notify the industrial and commercial department to cancel or revoke the business license according to law, and make an announcement. The extension of business opening shall not exceed 90 days. A small loan company shall apply for a loan card from the branch of the People's Bank of China where it is registered. Where the registered items of a small loan company change, it shall go through the registration formalities with the industrial and commercial department according to law. Changes in legal representative, registered capital, company domicile and operating period shall be reviewed by the county (city, agriculture-related area) government, reported to the municipal government for approval, and submitted to the Finance Office of the provincial government for examination and approval. Within 5 days after the opening of the microfinance company, it shall submit relevant information to the local public security organ, the dispatched office of the China Banking Regulatory Commission and the branch of the People's Bank of China, and report to the Financial Office of the provincial government. Chapter III Shareholder Qualification and Equity Setting Article 16 An enterprise as a legal person, a natural person or any other economic organization may invest in a small loan company, and the capital for its shares must be its own. The shareholding ratio of the main sponsors and their related parties shall not exceed 20% of the total registered capital of the microfinance company, and the shareholding ratio of other investors and their related parties shall not exceed 65,438+00% of the total registered capital of the microfinance company, and shall not be less than 5‰ of the total registered capital, and only one microfinance company can be funded. Article 17 The main promoters of a microfinance company must be enterprise legal persons. The main sponsors should be enterprises with standardized management, excellent credit, strong strength and strong sense of social responsibility. According to the consolidated accounting statements, the net assets are more than 30 million yuan; The asset-liability ratio is not higher than 70%; In the past two years, it has been profitable continuously, and the total accumulated net profit in the past two years has reached more than 6.5438+million yuan. Eighteenth natural persons as investors, should be China citizens with full capacity for civil conduct, and have no criminal and bad credit records. Nineteenth other social organizations as investors shall abide by the relevant laws and regulations of the state and the relevant provisions of our province. Article 20 The registered capital of a small loan company is all paid-in monetary capital, which shall be fully paid by the investor in one lump sum; If there is no record of major violations of laws and regulations for two consecutive years since its establishment, it may increase capital and share; The capital increase and share expansion plan shall be reviewed by the county (city, agriculture-related area) government and approved by the municipal government, and then submitted to the Finance Office of the provincial government for approval. Article 21 The shares of a microfinance company held by shareholders shall not be transferred within 2 years from the date of acquisition; The shares held by the company's directors and senior managers shall not be transferred during their term of office; The transfer of shares by shareholders or the purchase of shares by external investors in small loan companies shall be reviewed by the county (city, agriculture-related area) government and approved by the municipal government, and then submitted to the Finance Office of the provincial government for approval. "worry-free" answer, if it is helpful to you, please adopt it and wish you success!