Analysis And Situation Of Registered Capital Of Small Loan Enterprises Such As Shoes

Our province has promulgated the Interim Measures for the management of small loan companies in Fujian province. The lower limit of registered capital for the initial establishment of a small loan company will be adjusted to 100 million yuan from 50 million yuan of limited liability company and 100 million yuan of Limited by Share Ltd, and the upper limit will be raised from 300 million yuan to 500 million yuan.

No cross County operation is permitted.

　　 Small loan The company's main sponsor (or the largest shareholder) should be a local backbone enterprise with good management standards, excellent credit and strong strength. The profit of 3 consecutive accounting years before the application and the accumulated gross profit of three years net profit should be more than 15 million yuan. The net assets of an accounting year before the application should be no less than 50 million yuan, the asset liability ratio is less than 50%, and the contribution amount is not higher than 50% of the net assets (calculated according to the consolidated accounting statement caliber). There should not be more than 2 small loan companies in a single shareholder's equity capital. The real name system is adopted by shareholders, and shareholders are not allowed to collect funds from others.

For the existing small loan companies that operate well, operate in a standardized way and have controllable risks, the counties (cities and districts) that are active in private financing, the "three rural" and the small and medium sized enterprises need larger ones, and allow the addition of 1 to 2 small businesses on the basis of 1 existing ones. Loan company 。

In addition, microfinance companies are not allowed to operate and set up branches across counties (cities, districts).

　　 lending rate Not exceeding the relevant upper limit

The management method also provides for the compliance operation of small loan companies. The main source of capital for small loan companies is capital and capital contributions paid by shareholders, as well as the choice of a number of banking financial institutions to integrate funds. The balance of funds should not exceed 50% of net capital. A small loan company that runs well, operates in compliance and meets the requirements of assessment will be able to raise the capital limit to a banking financial institution to 100% of the company's net capital.

Small loan companies operate in accordance with the principles of marketization, and the loan interest rate ceiling is set free, but they must not exceed the upper limit stipulated by the judicial departments. The lower limit is 0.9 times the benchmark lending rate for the same period. The specific floating range is determined independently according to market principles.

It is strictly prohibited to absorb public deposits in disguise.

Small loan companies are strictly prohibited from absorbing or disguising public deposits, illegal fund-raising, financing internal and external financing, operating outside the accounts, providing false financial accounting statements, concealing important facts, and illegally issuing loans by executives or shareholders in the name of individuals.

Small loan companies should adhere to the principle of "small sum and decentralization" when granting loans. We encourage small loan companies to provide credit services for small and medium-sized enterprises, farmers and individual businesses, and strive to expand the number of customers and service coverage. 70% of the loan balance of small loan companies is applied to small loans with a balance of less than 1 million yuan per household loan. The loan balance of the same borrower shall not exceed 5% of the net capital of the small loan company.

For small loan companies that regulate and operate well and need additional capital, they will be able to increase capital and expand their shares one year later. Support and recommend small loan companies that run well, operate in compliance, assess conditions and have the will to become village banks.