2. The company has a fixed business place and necessary business facilities, and is responsible for independent accounting, self-financing, independent operation and independent civil liability;
3. The company has a sound financial accounting system, and must provide the bank with operating instructions and statistical statements when issuing loans;
4. The company abides by national laws, regulations and policies and operates according to law;
5, the company industry national policy allows, encourage the development of the industry.
A credit company refers to a company established with the approval of China Banking Regulatory Commission (hereinafter referred to as CBRC) in accordance with relevant laws and regulations.
Non-bank financial institutions that provide loan services for individuals and individual industrial and commercial households. under
Conditions for an individual to start a credit company
At present, according to the Company Law, the registered capital of a limited company with two or more persons must be at least 30,000 yuan (see "Xin Gong"
Chapter II 1 Section 26 of the Administration of Justice); 1 person The minimum registered capital of a limited liability company is 1 10,000 (see Article 59 in Section 3 of Chapter II of the New Company Law); This rule basically applies to most companies.
The whole registration process needs to be prepared in the following aspects:
1. Provide copies of your and investors' ID cards by attachment transmission, express delivery or other means, indicating the registered capital of the company.
The investment quota and investment quota of all investors, and prepare at least 5 company names in advance;
2. You need to choose the nearest bank to handle the capital injection procedures;
3. You need to bring your ID card to the industrial and commercial office for signature verification;
4. After all the documents are processed, you need to choose the nearest bank to handle basic account and tax accounts;
5. All other formalities should be completed by relevant departments.
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The registration process is as follows:
Check the name (determine the company name) → capital verification (complete the capital verification procedures for the registered capital of the company) → signature (the customer goes to the industrial and commercial office to verify the capital)
) → apply for business license → apply for organization code certificate → apply for tax registration certificate → apply for basic deposit account and tax account.
Tax registration → tax verification → stamp duty business → taxpayer identification → tax collector identification → office.
Subscription program.
Specific process description:
Industrial and commercial processes:
First, name search (time-consuming 1 week)
The required information is provided by you:
1. Copies of ID cards of all investors (if the investor is a company, a copy of the business license is required).
2. The registered capital and the capital contribution of all investors.
3. The company name (preferably more than five companies) and the general business scope of the company will be accepted by the relevant departments after preparation, and the procedures required for name search will be completed by the relevant departments, and communication will be made in advance after the name search is passed.
Get to know you and issue a name search approval, a set of seals (corporate seal, financial seal, corporate seal and shareholder seal) and a bank confirmation letter.
Two. Capital verification (i.e. once completed)
You can go to your nearest bank to go through the formalities of registered capital with the approval form for name search, bank confirmation letter and a set of stamps.
Upon completion, the bank will receive the investor's payment slip and statement, and the bank's confirmation letter will be sent directly to the accounting firm by the bank. Then,
The accounting firm shall handle the capital verification report.
Two capital verification reports will be issued after the capital verification is passed.
The capital verification must be completed by you. Entrust other institutions to undertake relevant responsibilities. See Article 10 of the new Company Law for details.
Chapter II Legal Liability.
III. Signature (i.e. completion)
You take your ID card to the industrial and commercial office to sign it, and the industrial and commercial office will pass it after verification.
The signature needs to be present in person, and it will take effect after being confirmed by the industrial and commercial personnel, and the work can only be started after the signature is passed.
Apply for a business license.
Iv. application for business license (2 weeks)
The required materials are for reference only, and all materials are provided by relevant departments:
1. Application for registration of company establishment signed by the chairman or executive director of the company;
2. Power of attorney for the company to apply for registration;
3. Resolution of shareholders' meeting;
4. Resolutions of the board of directors;
5. Resolution of the Board of Supervisors;
6. Articles of Association;
7. The legal person qualification certificate or natural person identity certificate of the shareholders or promoters;
8. Certificates of appointment of directors, supervisors, managers, chairmen or directors;
9. Copies of ID cards of directors, supervisors and managers;
10. Capital verification report;
1 1. Proof of residence use (rental agreement, property right certificate);
12. In the business scope of the company, the approval documents of the department shall be submitted for the items that must be submitted for examination and approval according to laws and regulations.
After the information is complete, the relevant departments complete all procedures, submit them to the Industrial and Commercial Bureau for review, and then issue the original and duplicate business licenses and electronic business licenses, and then complete the industrial and commercial bureau process.
The following is the process of Quality Supervision Bureau.
1. Apply for organization code certificate (required 1 week)
2. The procedures and required information in this step shall be provided and completed by relevant departments, and the organization code certificate shall be obtained from the Quality Supervision Bureau.
3. The quality supervision bureau process ends after the original code certificate and the copy of the code certificate.
4. The following is the process of the Inland Revenue Department:
Apply for tax registration certificate (it takes 2 weeks)
1. Information provided: The required information is for your reference only, and all information is provided by relevant departments.
1. One original and one copy of the Business License for Enterprise as a Legal Person;
2. One original and one copy of the unified code certificate of the organization;
3. One original and one copy of the capital verification report;
4. One original and one copy of the articles of association or agreement or feasibility study report or contract;
5. The original and photocopy of the resident ID cards of the legal representative, financial controller and taxpayer 1 copy each;
6. One original and one copy of the property right or use right or lease certificate (stamped with stamp duty) of the business premises.
2. Fill in the form and submit it to the Municipal Bureau: The required steps are for reference only, and all procedures are operated by relevant departments.
1. Fill in the tax registration form and other schedules and submit them to the Municipal Taxation Bureau (
2. The relevant departments shall handle it), print the tax registration certificate, and obtain the tax registration certificate after examination and approval, and the tax bureau process ends.
At this point, all the documents have been processed, you pay the processing fee to get all the relevant documents, and then go to your nearest bank to do it.
Manage basic deposit account and tax accounts (relevant departments provide detailed information and procedures for handling this business).
Subsequent procedures: (
1. Registration: according to your company's situation, determine the company's nature (trade tax rate 4%, production tax rate 6%, service
5% and other types. ), provide relevant information, fill in relevant forms and submit them to the tax Commissioner;
2. Handling income tax verification: generally, it is approved to collect income tax. After providing the relevant information, fill in the relevant forms and submit the tax.
Commissioner;
3. Handling stamp duty business: according to the size of your company, provide relevant information and fill in the form to purchase relevant stamp duty tickets;
4. Taxpayer identification: according to the registration of your company, provide relevant information, fill in the form and submit it to the tax Commissioner;
5. Identification certificate of tax payers: provide relevant information, fill in the form and submit it to the tax commissioner to handle tax for your company's personnel.
Membership certificate;
6. Handling invoice purchase procedures: according to the types of invoices your company needs, provide relevant information, fill in the form and submit it to the tax authorities.
Commissioner applies for invoice.