Attention friends who want to register a financial company! ! Mande enterprise service introduction, unlike last year's comprehensive tightening of policies and suspension of registration of financial companies, financial companies can be registered in Yingkou, Ningbo, Xi 'an and Shenyang this year! !
So, what are the specific business scopes that can be registered? Let's take a look!
1. Financial Leasing Co., Ltd.: financial leasing business, leasing business, and purchase of leased property from home and abroad; Disposal and maintenance of residual value of leased property, leasing transaction information, leasing and sales of intangible assets.
2. Outsourcing Service Co., Ltd.: entrusted by financial institutions to engage in financial business process outsourcing services, entrusted by financial institutions to engage in financial knowledge process outsourcing, acting as an agent for automobile installment loans and house mortgage loans, and collecting accounts receivable; Credit data analysis and processing business; Economic information; Business information; Internet technical services.
3. Commercial Factoring Co., Ltd.: provide financing, management, collection and repayment guarantee services for accounts receivable; Engage in the main business.
4. Financial information service: financial information service; Acting as an agent for automobile installment loan, house mortgage loan business and accounts receivable collection service; Credit data analysis and processing services; Economic information; Business information; Internet technical services.
5. Asset management and investment management companies: asset management, investment management, investment consulting, equity investment and related business consulting.
6. Blockchain: development and promotion of blockchain scene application system; Technology research and development, technology promotion, technical service and technical consultation in the blockchain field.
What does automobile mortgage's business scope include?
According to the provisions of the Civil Code, the scope of mortgage guarantee includes: principal creditor's rights and interest, liquidated damages, damages and expenses for realizing mortgage right. Unless otherwise agreed by the parties to the mortgage contract, such agreement shall prevail. The scope of mortgage guarantee is generally agreed by both parties to the mortgage contract. For example, the way of secured mortgage can be determined as automobile secured mortgage. If there is no agreement or unclear agreement between the two parties, the scope of mortgage guarantee shall apply to the scope of statutory mortgage guarantee stipulated in the Civil Code. The following is a detailed introduction for everyone: the principal creditor's rights refer to the creditor's rights arising from the legal relationship between the creditor and the debtor, that is, the creditor's rights secured by mortgage, which is not only the premise of the existence of mortgage guarantee, but also the core of mortgage guarantee, such as money creditor's rights, labor creditor's rights, payment creditor's rights and so on. Interest is the interest generated by the principal creditor's rights. Legal interests and agreed interests are not allowed, but agreed interests shall not exceed the scope permitted by law. When handling mortgage registration, the interest, value period and interest payment period should be clearly registered. Interest is a natural extension of the principal creditor's rights and should belong to the scope of mortgage guarantee. Liquidated damages are caused by the debtor's failure to perform his debts under the circumstances stipulated by law or agreed in the contract. It is the transformation form when the principal creditor's rights are damaged, and naturally it should belong to the scope of mortgage guarantee. Damage compensation is caused by the debtor's non-performance of the debt. In the case that the law does not stipulate liquidated damages, the parties have not agreed on liquidated damages, or the amount of liquidated damages is not enough to make up for the losses, damages as the transformation form of the principal creditor's rights should of course belong to the scope of mortgage guarantee. It should be pointed out that the future legislation of our country regards liquidated damages as the reservation of damages, that is, liquidated damages and damages are essentially the same thing. At that time, the scope of mortgage guarantee will not include both liquidated damages and damages. The cost of realizing mortgage refers to the application cost at the time of mortgage implementation and the sale (including auction) cost of collateral, that is, the collateral guaranteed by the automobile is the automobile. The fundamental reason for the realization of mortgage right lies in the debtor's non-performance of debt. Therefore, as long as the cost of mortgage is reasonable, it should be borne by the debtor. In the mortgage relationship, this fee belongs to the scope of mortgage guarantee. To sum up, when applying for a loan from the lender, the owner borrower needs to first determine whether the specific mortgage content meets the scope of automobile mortgage guarantee business stipulated in the Civil Code and relevant laws and regulations. Ensure that all terms are legal, fair and reasonable, and reach an agreement on all listed terms before signing the loan association to protect the rights and interests of both parties.
Business scope of the company
The business scope of the company includes mortgage loan, equity mortgage loan, etc.
Company business overview:
Adhere to serving agriculture, countryside and farmers, support the development of small and medium-sized enterprises, make good use of policies, adopt flexible mechanisms, operate in a market-oriented way, operate conveniently and quickly, and spread risks in small amounts.
Give full play to the characteristics of "short time, small amount and fast turnover" to make loans simpler, more flexible and more timely.
Product categories include farmers' loans, merchants' loans, short-term commercial loans and bridge loan.
Customer object:
Rural customers: individuals and economic organizations related to agriculture in the business area.
Enterprise customers: enterprise legal persons and their economic organizations in the business area.
Human customers: individual industrial and commercial households and natural persons in the business area.
Guarantee method:
Secured loan: it can provide guarantee for individuals with certain reputation or enterprises with certain asset scale and economic strength. Mortgage: Providing valuable assets, such as real estate and vehicles.
Application materials: the original and photocopy of the borrower's ID card, household registration book, marriage certificate, original business license, basic introduction and other related materials, and the borrower's residence certificate.
Guaranteed loans also need to provide: the guarantor's ID card, household registration book, the original and photocopy of marriage certificate, income certificate, and a letter of commitment that the guarantor agrees to bear joint and several liabilities.
The mortgage loan also needs to provide: the mortgagor's ID card, household registration book, the original and photocopy of the real estate license, and the statement that the mortgagor agrees to mortgage.
Operating short-term loans:
"Operating short-term loans" refers to loans granted to meet the seasonal or temporary needs of borrowers in the process of production and operation.
Loan amount: within 6,543,800+0,000.
Loan term: within half a year.
Loan interest rate: 4 times the benchmark loan interest rate announced by the People's Bank of China.
Repayment method: monthly interest settlement, one-time or installment repayment of principal.
Application conditions: residents who have reached the age of 25 and have full capacity for civil conduct in the company's business area have fixed residence, stable income, reliable repayment ability, no bad credit record, legal business license and fixed production and business premises in the company's business area. The loan investment object conforms to the national policy.
Guarantee method.
What is the business scope of the company?
Mortgage loan, equity mortgage loan, etc. It depends on the business department of the company. Some large small loan companies have many types of business, which are more divided from the four categories I mentioned above.
What are the main business scope and methods of loans?
The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto finance companies and trust companies in terms of definition and business scope. So what are the operating methods and scope of loans? Below I will solve the business scope and methods of loans for everyone, hoping to help you.
Scope and mode of loan business
Business segmentation:
(1) Handling all kinds of loans;
(2) Discounting bills;
(3) Handling the transfer of assets;
(4) Handling the settlement under the loan;
(5) Other asset businesses approved by China Banking Regulatory Commission.
Loan companies must adhere to the business purpose of serving the development of farmers, agriculture and rural economy, and the investment of loans is mainly used to support the development of farmers, agriculture and rural economy.
Loan companies are not allowed to absorb public deposits, with high credit lines and flexible loan methods.
Divided by time limit
(1) Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
(2) Medium-term loans refer to loans with a loan term of 65,438+0 years (excluding) to 5 years (including).
(3) Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Divide by purpose
(1) Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.
(2) Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
laws and regulations
According to Articles 30 to 32 of the Measures for the Pilot Implementation of Beijing Companies (Beijing Zhengban Fa [2009] No.2), in the pilot stage, the business scope of the company is limited to issuing loans within the administrative areas of registered counties. The company can choose the loan object independently. In the pilot stage, the amount of loans granted to "agriculture, rural areas and farmers" every year shall not be less than 70% of the total amount of loans in the whole year. Companies should adhere to the principle of "small amount and dispersion" when issuing loans, encourage companies to provide credit services to farmers, micro-enterprises and small and medium-sized enterprises, and strive to expand the number of customers and service coverage. The loan balance of the same borrower shall not exceed 3% of the company's net capital.
Operating advantages of loan companies
Due to the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which leads to small enterprises having to seek help from financing institutions such as loan guarantee institutions when they have financing needs. The cost for loan guarantee institutions to select customers is relatively low, so selecting high-quality projects to recommend to cooperative banks will improve the success rate of financing and reduce the marketing cost of banks.
In addition, in terms of risk control of loans, banks are also reluctant to put them on the Internet. One of the important reasons is that the management cost of such loans is high, but the income is not obvious. For this kind of loans, loan guarantee institutions can share the management cost of banks by optimizing the management process, eliminate the worries of banks, and form personalized service for post-loan management of microfinance.
Secondly, after the risk is released, the advantages of loan guarantee institutions are irreplaceable. There are risks in the project of bank direct loan, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity. The cash compensation of guarantee institutions has greatly solved the problems that banks are difficult to deal with. Some loan guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the loan guarantee institutions will resolve the risks through their more flexible handling methods compared with banks.
On the other hand, the loan company has a fast time limit. The bank's inherent loan model and process are easy to cause a lot of time waste for SME owners, and the efficiency is difficult to guarantee; The guarantee company just embodies the flexible and changeable mode of designing special financing schemes for different enterprises.
Furthermore, the credit given by the loan company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more demand funds for SMEs. Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.
Operating conditions of loan companies
(1) The investor is a domestic commercial bank or a rural cooperative bank;
(2) Its assets are not less than 500,000 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.
Is Yixin automobile mortgage formal?
More formal. The company is real. As an Internet finance company, its shareholder background is Che Yi. Tencent and JD.COM.
Shanghai Yixin automobile sales co., ltd
Shanghai Yixin Automobile Sales Co., Ltd. was established on May 20 18 17. The legal representative is Qiu Min, and the company's business scope includes: automobile sales, automobile parts and daily necessities sales; Goods storage (except dangerous chemicals), business consulting, second-hand car service, engaging in import and export business of goods and technologies, etc.
How much is the interest on the car mortgage loan?
The interest in automobile mortgage is related to the loan amount, loan interest rate and loan term. The calculation method of loan interest is: loan interest = annual interest rate of loan principal and loan term. If the loan amount is 70,000 yuan, the loan period is 5 years, and the annual interest rate is 4.75%, the loan interest is 700,004.75% 5 =16625 yuan. The loan interest rates of lending institutions are all floating on the basis of the benchmark annual interest rate announced by the central bank. At present, the latest benchmark interest rate of the central bank is as follows:
1. Short-term commercial loan: within 1 year (inclusive), with an annual interest rate of 4.35%.
2. Medium and long-term commercial loans: 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%.
Automobile mortgage conditions
Basic conditions that the borrower must meet:
1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Guarantee can be provided.
4. Other conditions stipulated by the bank.
Automobile mortgage needs information.
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.
2. Enterprises that have been living and working in this city for a long time.
3, motor vehicle registration certificate, driving license, purchase tax certificate (this), car purchase invoice.
4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.
5, ID card (non-local account customers provide temporary residence permits or residence permits within the validity period.