What qualifications does a loan company need?

(1) Having articles of association that meet the requirements; (2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time; (3) Having senior managers with professional knowledge and professional work experience; (4) Having staff with corresponding professional knowledge and work experience; (5) Having the necessary organizational structure and management system; (6) Having business premises, safety precautions and other business-related facilities that meet the requirements; (7) Other conditions stipulated by China Banking Regulatory Commission.

Six, the establishment of a loan company investors should have the conditions.

(1) The investor is a domestic commercial bank or a rural cooperative bank; (2) Its assets are not less than 5 billion 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.

Seven, the main regulatory indicators

(a) loan companies should adhere to the principle of small-scale decentralized loans, improve loan coverage, and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital. (II) The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% at any time and the asset loss reserve adequacy ratio is not less than 65,438+000%. (3) The NPL ratio is less than 5%