Industrial and commercial registration, Kunming: What are the requirements for the registration of Internet small loan companies?

Do you know what conditions are required for the registration of Internet small loan companies? Mande Enterprise Services will tell you today.

1. The name of an Internet microfinance company consists of name, industry and organizational form in turn, in which the industry expression in the name of an Internet microfinance company should be marked with the words "Internet or network microfinance".

Two, to apply for the establishment of a small loan company to carry out online loan business, in addition to the general conditions for the establishment of a small loan company, it should also meet the following conditions:

(1) Having a legal and normal network platform in China (including an independent or cooperative network platform);

(2) There are potential online loan customers on the online platform, which can screen out the customer groups that meet the needs of developing online loan business;

(3) Convenient, efficient, low-cost and universal online microfinance products;

(4) Having reasonable online loan business rules, business processes, risk management and internal control mechanisms;

(5) It has an independent business system with multiple functions, including but not limited to providing consultation, application, review, credit granting, examination and approval, lending, collection, inquiry, complaint, etc., and can meet the requirements of regulatory information entry, submission and regulatory inspection.

Three, the main sponsor shall provide the audited annual financial statements for the past three years. Financial indicators (consolidated accounting statements) shall meet the following conditions:

1. The net assets of the main sponsors in the last fiscal year are not less than 500 million yuan.

2. The asset-liability ratio of the main sponsors in the previous fiscal year is not higher than 70%.

3. It has made profits for three consecutive fiscal years before the application, with a total profit of more than 30 million yuan, including a net profit of more than 6,543,800 yuan in the latest year.

4. The equity investment of the main sponsors (including the Internet microfinance company to be established) shall not exceed 50% of the net assets.

Four, Internet microfinance companies should be initiated by the main sponsors. The main sponsors shall meet the following conditions:

(1) The main sponsor (or shareholder, the same below) is an Internet enterprise with strong domestic strength, characteristics, brand and big data foundation.

1. Large state-owned enterprises with upstream and downstream Internet or a certain Internet foundation.

2. Listed companies or industry leading enterprises.

(2) The main promoters have been established for 3 years.

(3) The main sponsors have strong customer resources and networks, and the Internet microfinance companies led by them rely on the Internet platform to provide financing services to domestic member units and small and medium-sized enterprise customers, merchants and individuals in the industrial chain, and implement characteristic operations.

If there are more than two main sponsors (or shareholders), they must meet the above conditions.

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