One, the name of the Internet microfinance company by the name, industry, organizational form in order to form, in which the Internet microfinance company name in the industry expression should be marked "Internet or network microfinance" words.
II. A microfinance company applying for the establishment of a network loan business shall, in addition to the general conditions for the establishment of a microfinance company, meet the following conditions:
(i) it has a legal and normally operating network platform (including an independent or cooperative network platform) in China;
(ii) it has a network platform with a potential network loan clientele that is capable of screening out clients who meet the requirements for carrying out network loans, and it is capable of screening out clients who meet the requirements for carrying out network loans. It is capable of screening out customer groups that meet the needs of carrying out online lending business;
(iii) it has convenient, efficient, low-cost and inclusive online microfinance products;
(iv) it has reasonable online lending business rules, business processes, risk management and internal control mechanisms;
(v) it has the capability to, including but not limited to, provide counseling, application, auditing, credit-granting, approval, lending and collection services. (v) an independently operated business system that includes, but is not limited to, the provision of consultation, application, review, credit-granting, approval, lending, collection, inquiries and complaints, etc., and that is capable of meeting the requirements for the entry and submission of supervisory information and supervisory inspections.
Third, the main sponsor should provide the audited annual financial statements for the past three years. The financial indicators (caliber of the consolidated accounting statements) shall meet the following conditions:
1. The net assets of the main sponsor in the fiscal year prior to the application shall not be less than RMB 500 million.
2. The gearing ratio of the main sponsor is no more than 70% in the fiscal year prior to the application.
3. Three consecutive fiscal years prior to the application are profitable and the total profit is more than RMB 30 million, of which the net profit of the last year is more than RMB 10 million.
4. The proportion of equity investment of the main sponsor (including capital contribution intended for the establishment of the Internet microfinance company) shall not exceed 50% of the net assets.
4. The Internet microfinance company shall be organized and established by the main sponsor. The main sponsor shall meet the following qualifications:
(a) the main sponsor (or shareholders, the same hereinafter) for the territory of the strong, distinctive, branded, with a big data base of the Internet enterprises.
1. Large state-owned enterprises that own upstream and downstream Internet enterprises or have a certain Internet foundation.
2. Listed companies or industry leaders.
(2) The main sponsor should be established for more than 3 years.
(iii) The main sponsor has strong customer resources and networks, and the Internet microfinance company it leads to set up relies on the Internet platform to provide financing and other services to its members in the territory and to small and medium-sized enterprise customers, merchants and individuals in the industrial chain, and to implement characteristic operation.
If there are more than two main sponsors (or shareholders) are required to have the above conditions.
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