Non-financing guarantee companies need to go to those important departments without financial permission.
People's Republic of China (PRC)'s proof is needed. Basis: CBRC [2065438+00] No.77.
Non-financing guarantee company refers to a company legally established within the administrative area of People's Republic of China (PRC), but actually providing guarantee business for legal persons and natural persons without obtaining the Business License of People's Republic of China (PRC) Financing Guarantee Agency.
Non-financing burden
Litigation preservation guarantee, property preservation guarantee, work guarantee, advance payment guarantee, final payment guarantee, raw material credit guarantee, equipment installment guarantee, lease contract guarantee, financial payment guarantee, joint guarantee, warehousing supervision guarantee, other economic contract guarantee and intermediary services such as investment and financing consultation and financial consultant related to guarantee business.
It is not allowed to handle state financial supervision and financial credit business such as withdrawing money, issuing bills and granting loans.
(1) Can a company without a financial license issue loans?
Conditions for applying for a license of a financing guarantee company
1, furniture and individuals.
2. There is an office space that meets the business conditions of the enterprise.
3. The promoters of the enterprise have been in business for more than three years, and the accumulated net profit in the past three years is more than 6,543,800 yuan; Its net assets are not less than 50,000%; After the implementation of this project, the long-term investment shall not exceed 30% of the net capital, and each of the two enterprises shall hold one copy as promoters.
4. The natural person is the owner, who has a certain influence in the industry and has no bad record.
5. The directors and supervisors to be appointed shall have been engaged in financial-related professional work for more than 3 years and have a college degree or above.
6, senior management personnel for more than 5 years, and hold a bachelor's degree or above.
7. The minimum registered capital of a financing guarantee company shall not be less than RMB 1 100 million.
2. Can an investment company issue without a financial license?
Loans generally need a stable source of income to be processed, but they also need to look at the specific requirements of banks. It is suggested that you can go to a regular lending institution for detailed inquiry.
Application conditions:
1 for the people;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading.
5. Other conditions required by the bank.
3. How can enterprises issue loans without permission? How can we be sure it's illegal?
1. In the past, ordinary enterprises were not qualified to issue loans, and enterprises were legally engaged in business activities within their business scope. Beyond the scope of business, general enterprises can also operate.
2. Businesses involving separate licenses, such as tobacco, such as mortgage, such as food, Internet cafes, transportation, etc. In addition to the business license, there is a corresponding business license to operate, otherwise it is illegal to operate.
4. Can Shanghai Loan Company be a lender in Huizhou without obtaining a financial license?
No, it's illegal.
5. Without a financial license, can the relevant financial company become a mortgagee? If yes, is there any policy to support emergency and online services?
There are too many companies without financial licenses, and they are also doing banking work. As for the mortgage you mentioned, it should be possible. There is no policy.
6. Is it legal to be a financial intermediary without a license?
Need a permit.
All branches and business management departments of the People's Bank of China; Administration for Industry and Commerce of all provinces, autonomous regions and municipalities directly under the Central Government: In recent years, various consulting enterprises have been increasing, and some enterprises have the words "financial consulting" or "loan consulting" in their names; Some enterprises illegally engage in financial business in the name of financial consulting business, charging high intermediary fees, which seriously disrupts the financial order. In order to strengthen financial supervision, prevent consulting enterprises from illegally engaging in financial business in the name of financial consulting, and maintain financial order, relevant issues are hereby notified as follows: 1. The names of various consulting enterprises and other non-financial enterprises approved by industrial and commercial administrations at all levels shall not contain the words "finance" and "lending". Two, for consulting enterprises and other non-financial enterprises, the administrative departments for Industry and Commerce at all levels shall not approve the lending, settlement, witness and other similar financial business within their business scope, and shall not approve the financial consulting and lending consulting business. Prevent enterprises from illegally engaging in financial business in the name of financing inquiry. Iii. If the registration authority orders registered consulting enterprises and other non-financial enterprises to use the words "finance" and "loan" in their names and business scope, they shall go through the change registration during the annual inspection of 1999. Four, the branches of the People's Bank of China shall be responsible for coordinating with the administrative department for industry and commerce in this area, and the consulting enterprises and other non-financial enterprises that illegally engage in financial business in the name of financial consulting shall be banned, and the administrative department for industry and commerce shall revoke their business licenses according to law.
Second, to run a loan intermediary company, how to write the business scope of the business license, and even the business scope can't be done with finance?
Scope: Handling various projects; Handle the development, management and accounting of small and medium-sized enterprises; Other approved businesses.
If you want to write simply, you can write information consulting co., ltd., and the scope is also information consulting. It is suggested that the industrial and commercial bureau should add some by itself, or write according to the same industry. Companies are divided into: mortgage loans and guaranteed loans. 1. Mortgagable property: 1. 1 buildings and other ground attachments; 1.2 construction land use right; 1.3 The contracted management right of wasteland and other land obtained through bidding, auction and public consultation; 1.4 buildings under construction; 1.5 means of transportation; 1.6 Other properties not prohibited by laws and administrative regulations.
2. Pledgeable property: 2. 1 pledge of movable property: movable property whose transfer is not prohibited by laws and administrative regulations; 2.2 Pledge of rights: other property rights that can be pledged according to laws and administrative regulations such as bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts, bills of lading and accounts receivable. Pledged property must have clear ownership, no property rights and no repeated mortgage.
Three, private lending intermediary companies how to apply for a business license
To apply to the Municipal Finance Office, the most important item in the application scope is: financing docking.
However, at present, only a few cities in China can apply to open a "private lending registration (intermediary) service center".
The most common means of operation is to start: investment companies, investment guarantee companies, investment management companies, information consulting companies, etc. It is very simple to start the above companies. You can apply for a license directly at the industrial and commercial administrative examination and approval hall in your district.
Lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard the legitimate rights and interests of both borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm the national and social public interests.
As long as its behavior violates the relevant contents of the Measures for the Administration of Intermediaries, the loan intermediary will still be violated.
Extended data:
Apply for individual business license
1, my ID card and photocopy (foreigners need temporary residence permit and photocopy).
2, the premises of the housing lease contract or real estate license and a copy.
3. Two one-inch bareheaded color photos.
4. If they are laid-off workers and poor households of state-owned and collective enterprises. You also need to bring unemployment cards, preferential cards for unemployed people, special hardship cards and their copies in order to enjoy preferential policies for reducing or exempting management fees in accordance with relevant state regulations.
5, engaged in food, cosmetics and other special industries, but also need to prepare health certificates and copies (involving pre-approval industries need to provide approval opinions).
Bring the above documents to the local industrial and commercial office and explain to the staff what kind of business license to apply for. After checking the relevant documents, the staff will fill in the form.
Sogou encyclopedia-business license
4. How to fill in the business scope of the business license?
The business scope of the business license should be filled in according to the business scope or business content and related classification content. The business scope of each category is as follows:
1. Business scope of trading company:
Wujinjiaodian, daily necessities, knitwear, washing products, cosmetics, food, health food, nutrition enhancer, household care products, packaging materials, rubber and plastic products, sewing machine clothing and accessories, textile fabrics, textile auxiliaries, down products, handicrafts, paper products, bedding, mechanical accessories, building materials, clothing, shoes and hats, computer hardware and software, consumables, communication equipment, leather products, etc.
2. Service company's business scope:
Computer graphic design, production, inkjet printing, express service (except letters), packaging box design, production, product packaging development, carton packaging, plastic product packaging, model production, conference service, digital photography service, computer digital image processing, lighting design, corporate image planning.
3, construction and installation business scope:
Interior decoration design, landscaping, landscaping construction, civil engineering, roof waterproofing, architectural decoration, real estate development, property management, concrete cutting, steel bar planting, reinforcement, water and electricity installation, pipeline maintenance, engineering machinery and equipment maintenance, building cleaning, exterior wall painting, stone forest maintenance, carpet cleaning.
Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce.
The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred.
Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.
The original and duplicate of the business license have the same legal effect, and there is no difference in essence. If there is a difference, it is only a form of representation. In terms of use, it was originally "must be hung" in an obvious place in the business premises, otherwise it may be fined for not hanging the license; Copies are generally used for going out to handle business, such as handling bank account opening license, enterprise organization code certificate, tax registration certificate, signing contract, etc.
Changing the paid-in system of registered capital into the subscription system of registered capital is the most prominent highlight of the newly revised company law. According to the newly revised Company Law, except for laws, administrative regulations and the State Council's decision, the provisions that the shareholders (promoters) of the company should pay their full contributions within two years from the date of establishment of the company and the investment company can pay their full contributions within five years have been cancelled. The provision that shareholders of a one-person limited liability company should pay their capital contribution in full at one time was cancelled. Shareholders (promoters) of the company independently agree on the amount, mode and duration of capital contribution, and record them in the articles of association. This reform is conducive to individual entrepreneurship, promoting the establishment of China's credit system and promoting the transformation of resource allocation methods.