What is the process of opening a loan company?
1, the district (county) government with pilot intention submits a pilot application to the Municipal Finance Office, defines the pilot work plan, and promises to take responsibility for risk prevention and disposal.
2, the district (county) government, district (county) in accordance with the relevant provisions of the business owners to screen.
3. After screening, the public government submits the application materials for the establishment of the company, and the district (county) government reports to the Municipal Finance Office for review after completing the pre-examination.
After approval, the company shall go through the registration formalities with the administrative department for industry and commerce according to law, obtain a business license, and submit relevant materials to the local public security organ, banking regulatory bureau and PBOC branch within 5 working days.
Conditions for applying for a loan company:
1. There are articles of association that meet the requirements. Not all articles of association can pass the examination, and they must conform to the legitimate rights and interests of financial criminals.
2. If sponsors or investors are experienced in financial supervision, it is difficult for them to pass the application.
3. The company is organized as a limited liability company or a company with less than 50 shareholders; The company limited by shares here is very strict with shareholders, and more than half of the promoters must live in China.
4. The source of the registered capital of the company is true and legal, and it shall be paid in full by all or the promoters at one time. This capital contribution requirement is too harsh, which probably scares many people away.
The registered capital of a limited liability company shall not be less than 50 million yuan; The share capital is not less than 70 million yuan. In principle, the net assets of the main sponsors shall not be less than 50 million yuan, the asset-liability ratio shall not be higher than 70%, the total profit for three consecutive years shall not exceed 20%, and the shares held by other individual shareholders and related shareholders shall not exceed the total registered capital.
5. Have the qualifications for this position.
6. Have staff with inspection qualifications.
7. Necessary organizational structure and management system.
8. Having business premises and safety precautions that meet the requirements.
9 other prudential conditions stipulated by the provincial government finance office.
Second, what should I do if I want to open a mortgage company?
Judging from your question, I know you can't drive. Knowledge and ability are not enough. Even if you have a lot of money, it's useless.
Third, if you want to set up a loan intermediary, how to set up a banking channel?
The first is to ensure the geographical location, to formulate the operation mode and operation plan in advance, to establish strict standards and to apply to the bank.
Fourth, how to open a mortgage company?
What is the process of opening a loan company?
1, the district (county) government with pilot intention submits a pilot application to the Municipal Finance Office, defines the pilot work plan, and promises to take responsibility for risk prevention and disposal.
2, the district (county) government, district (county) to meet the relevant conditions and intends to declare the business owners and sponsors to screen.
3. The main sponsors of the screened company shall submit the application materials for the establishment of the company to the district (county) government, and the district (county) government shall report to the Municipal Finance Office for review after completing the pre-examination.
With the approval of the Municipal Finance Office, the company applicant shall go through the registration formalities with the administrative department for industry and commerce according to law, obtain a business license, and submit relevant materials to the local public security organ, the banking regulatory bureau and the branches of the People's Bank of China within 5 working days.
Conditions for applying for a loan company:
1. There are articles of association that meet the requirements. Not all articles of association can pass the examination, but they must comply with the laws and regulations of the financial industry and must not infringe on the legitimate rights and interests of lenders.
2. The promoters or investors shall meet the prescribed conditions. It is difficult for people without financial experience to pass the application.
3. 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. The requirements for shareholders here are very strict, and more than half of the sponsors must live in China.
4. The registered capital of the company comes from real and legal sources, all of which are paid-in monetary capital, which shall be paid in full by the investor or promoter at one time. This capital contribution requirement is too harsh, which probably scares many people away.
The registered capital of a limited liability company shall not be less than 50 million yuan; The registered capital of a joint stock limited company shall not be less than 70 million yuan. In principle, the net assets of the main sponsors are not less than 50 million yuan, the asset-liability ratio is not higher than 70%, and they have made profits for three consecutive years, with total profits exceeding 6,543.8+044 million yuan. In principle, the main sponsor's shareholding does not exceed 20%, and other individual shareholders and related shareholders' shareholding does not exceed 65,438+00% of the total registered capital.
5. Having qualified directors and senior managers.
6. Having staff with corresponding professional knowledge and experience.
7. Necessary organizational structure and management system.
8. Having business premises, safety precautions and other business-related facilities that meet the requirements.
9 other prudential conditions stipulated by the provincial government finance office.