Recently, the reporter learned from the Provincial Economic and Trade Commission, the province introduced the Interim Measures on the "micro-loan company in Fujian Province, will set up the initial registered capital of the lower limit in the small loan companies, limited liability company 50 million yuan and Co., Ltd. of 100 million yuan, should be adjusted to 100 million yuan; upper limit increased to 500 million yuan from 300 million yuan. Temporary not allowed to cross-county business Management approach, a limited liability company set up in small loans funded should be 8 -50 shareholder, the Corporation should be 8 -200-name sponsor, which must be more than half of investors in China have their own fixed residence; registered capital of all paid-in currency capital in the companies to set up a one-time pay in full by the investor, is strictly prohibited false capital contribution and withdrawal of registered capital. The main sponsor of the small loan companies (or the largest shareholder) management practices, credit quality, the strength of the local backbone enterprises, before applying three consecutive fiscal year profit and net profit of three-year cumulative total of 15 million yuan or more, prior to the application a fiscal year net assets of not less than 50 million yuan, asset-liability ratio of less than 50%, amount not higher than 50% of the net assets (consolidated accounting statement). Single shareholder stake in the county microcredit not more than two.
Shares of shareholders' real-name system, the shareholders of a collection of others capital shares is strictly prohibited. Run existing small loan companies, operating norms, risk-controlled, non-governmental financing active within its jurisdiction, "rural" and a greater demand of small and medium micro enterprises in counties (cities, districts), allows an existing on the basis of an additional 1-2 small loan companies. In addition, small loan companies temporarily allow Skate Shoes counties (cities, districts) field operations and to set up branches. The loan interest rate does not exceed the upper limit Management approach also provides a mode of operation of the compliance of small loan companies. The major source of funding for small loan companies paid to shareholders capital, donated funds, and choose a number of banking financial institutions into the funds into the capital balance may not exceed 50% of its net capital.
Running in good condition, compliance management, and evaluation of qualified small loan companies into the capital limit may be raised to 100% of the company's net capital to the banking financial institutions. Small loan companies to operate in accordance with the principles of market-oriented liberalization of interest rate caps, but shall not exceed the prescribed limit the judiciary, the lower limit of 0.9 times the benchmark lending rate for the same period, the specific floating range determined independently according to market principles. Prohibited in disguise deposits from the public Prohibited microcredit company absorbed or disguised deposits from the public, and illegal fund-raising, borrowing the name of the internal and external financing, off-balance sheet business, to provide false financial and accounting statements, concealing important facts, executives or shareholders an individual violations loans. Microcredit loans, should adhere to the principle of "small, scattered". To encourage small loan company for small and medium-sized micro-enterprises, farmers, individual businesses and provide credit services, and efforts to expand the number of customers and service coverage. 70% of the small loan company loan balance applied to single-family loan balance less than $ 1 million micro-loans, the same borrower's loan balance must not exceed 5% of the net capital of the small loan companies. Standardize their operations, a good run and need to replenish the capital of small loan companies meet the conditions to increase their investment after one year. Support and recommend the operation of compliance management, evaluation, qualified and are willing to microfinance company was converted into a village bank.
It's written by GoodLandShoes date 4.6.2012
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