Hebei New Deal baked leather business small loan - Leather goods loans - leather industry

Hebei New Deal baked leather business small loan - Leather goods loans - leather industry

Farmers and SMEs can not enjoy a sound financial services, private capital loans Market Chaos, in order to establish a modern rural financial system, Solution for SMEs to finance the thirst, regulate micro-loan market, Hebei Province People's Government yesterday issued a "small loan company pilot work on the implementation of views" (hereinafter referred to as "Opinions") and begin implementation.

New Policy The original provisions of small loan companies to re-approval

Original small loan companies to suspend business

Small loan companies have been set up, within 3 months in accordance with the new rules and procedures to re-examine and standardize the registration.

"Opinions" that microcredit is the natural person, legal persons and other social organizations, enterprises invested, does not absorb public deposits, small business loan business limited liability company or limited. Small loan company's name should be administrative divisions, size, industry, organizational form in that order.

Industry, currently about 30 stone city of more than small loan companies. "Opinions" after the introduction of small loan company has increased the threshold. Already established micro-credit company, will be in 3 months, according to new rules and procedures to re-examine and standardize the registration. Not proposed to re-examination of the late application or audited do not meet the requirements, according to revoke its qualification. Of the small loan companies are not opened will be canceled. Currently the company has set up a small loan to suspend business.

Bank lending interest rate up to 4 times

Year lending interest rate must not exceed 4 times the benchmark lending rate and lower limits of not less than the same period of 0.9 times the benchmark lending rate.

Business scope, the small loan companies to the farmers, individual entrepreneurs, small businesses and other small loans mainly. Loans adhere to the "small, scattered" principle, the same borrower's loan balance must not exceed small loan company's capital 5% of the net, not to its shareholders, managers, credit officers and loans.

Small loan companies in the county (city) operate in the region, may set up branches may not simultaneously engage in other businesses, not foreign investment, restrictions on the industry to the state is strictly prohibited and pornography, gambling, narcotics and other illegal areas of lending, non-absorbed society deposits, not any form of fund-raising activities.

Lending interest rates, the lending interest rate must not exceed year benchmark lending rate to 4 times the minimum period shall not be less than 0.9 times the benchmark lending rate, the specific floating rate loans both from the self-determined in accordance with market principles.

Quality company "upgraded" into a bank

Microcredit limited liability company registered capital of not less than 50 million yuan, Ltd. registered capital of not less than 80 million yuan.

"Opinions" that the registered capital of all small loans to paid-in capital money from investors or a sponsor to pay in full.

Existing limited liability company registered capital of not less than 20 million yuan, the limited liability company registered capital of not less than 50 million yuan, registered capital, shall not be less than 80 million yuan. During the pilot, small loan company's registered capital ceiling of 100 million yuan.

Small loan company sponsors, shareholders should be good credit, no violation of law or other bad records; shares of the funds are legal property of its own; enterprise applications for corporate shareholders, should more than 3 consecutive years of profitability, strong business have sound internal management system.

Standard for business, business development rapidly and effectively to small businesses and the "three rural" services, small loan company, a year after the official opening of operations allowed to increase their investment.

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