License value:

1. Policy support: clarify the tax policies applicable to financial enterprises for small loan companies, and reduce the tax burden of small loan companies.

2. Market trend: according to the statistical data report of small loan companies in 2017 released by the central bank on January 25, 2018, compared with the same period of 2015 and 2016, 2017 reversed the trend of decreasing year by year in the previous two years and resumed the growth trend.This also proves from the side that the number of institutions of small loan companies in China has shown signs of gradual recovery after a continuous decline in recent years.

3. Value to the enterprise: the investment in setting up a small loan company is conducive to accumulating experience in investment and management of financial business, improving the reputation of the enterprise and reducing the operational risk of the main business of the single business.

Business scope:

1. Handle various small loans;

2. Handle bill discount;

3. Transfer assets;

4. Handle the settlement under the loan;

5. Other asset businesses approved by the China banking regulatory commission.

Application requirements:

(1) apply for the company

1. Registered capital

A. For a limited liability company, the registered capital shall not be less than 300 million yuan;

B. For a joint stock limited company, the registered capital shall not be less than RMB 400 million;

2. Requirements of senior executives

A. Directors and supervisors have been engaged in economic related work for more than 3 years, with college degree or above;

B. Senior managers have worked in the financial industry for more than 5 years, with a bachelor's degree or above;

(and at least one senior credit executive)

(2) chief sponsor

1. Net assets shall not be less than 200 million yuan, and asset-liability ratio shall not be higher than 60%;

2. In recent three years, the company has made continuous profits, with the cumulative total net profit not less than 60 million yuan, and the cumulative total tax payment not less than 18 million yuan;

Other sponsors

1. The net assets shall not be less than 100 million yuan, and the asset-liability ratio shall not be more than 60%;

2. Make continuous profits in the past two years, and the cumulative total net profit shall not be less than 20 million yuan, and the cumulative total tax payment shall not be less than 6 million yuan.