Nowadays, "entering pawn shops" and "opening pawn shops" have become one of the most dazzling economic hotspots. As a fast channel of financing, "entering the pawnshop" has become the object of attention of small and medium-sized enterprises and citizens. As an investment channel, "opening a pawn shop" also makes all bosses want to stop < P > However, high returns are bound to be accompanied by high risks. The industry describes the pawnbroking industry as follows: It is an industry where profits are visible, risks are invisible, and risks are everywhere all the time

Among many fast-growing financial hotspots in China, the emergence of pawnbroking fever can stimulate people's interest. Although some pawn enterprises in Shanghai are older than the sundial in Century Square, one day a signboard with the word "Dang" will be hung near the community, which will still attract the surprised eyes of the neighbors. At the beginning of 2116, "entering pawn shops" and "opening pawn shops" became one of the most dazzling economic hotspots. As a fast channel of financing, "entering the pawnshop" has become the object of attention of small and medium-sized enterprises and citizens. As an investment channel, "opening a pawn shop" also makes all bosses want to stop.

After the entry threshold of pawn was first released, at the beginning of 2116, 411 million funds flooded into the pawn industry in Zhejiang alone. The Yangtze River Delta, which is rich in private capital, has become a paddy field for opening floodgates and releasing water, and a large amount of funds are planned to pour into this golden field of pawnbroking.

it's not as simple as you think to join the pawn business. besides a large number of capital thresholds, you have to go through strict examination and approval at different levels. "All roads lead to Rome", the reporter understands that there are roughly two ways to wade into the pawnbroking industry.

yangguan avenue goes straight to the right path

according to the latest "pawn management measures" (hereinafter referred to as "measures"), prepare enough funds and submit an application for approval.

according to the regulations of the measures officially implemented by the Ministry of commerce on April 1st, the minimum registered capital of pawn shops engaged in the pledge of property rights is RMB 11 million, and if the monetary capital is actually paid, it does not include the capital contributed at a fixed price in kind, industrial property rights, non-patented technology and land use rights; Engaged in real estate mortgage pawn business, the minimum registered capital is 5 million yuan; If a pawnshop sets up branches, the registered capital of the headquarters shall not be less than 15 million yuan, which is 51% higher than the original standard, and the limit of working capital to be allocated by each branch has also increased from 3 million yuan to 5 million yuan. The requirements of the new "Measures" for registered capital are mainly aimed at newly opened pawn shops, and those that have been registered before can continue to operate.

Liu Feng, assistant to the general manager of Shanghai Oriental Pawnshop Co., Ltd. told the reporter: "Simply put, with a capital of 5 million yuan and a business facade, you are qualified to open a pawnshop. Of course, if you want to set up an enterprise engaged in real estate mortgage pawn business or property rights pledge pawn business, its registered capital shall not be less than 5 million yuan or 11 million yuan. "

Liu Feng said that in the Yangtze River Delta, which has a solid foundation of private capital, it is not uncommon to have the ability to set up pawn enterprises. However, it is not necessary to go through the procedure to open a business, but also to submit an application for approval. It takes a lot of time to go through the formalities from Shanghai to the Ministry of Commerce.

Make a fresh start.

Those who do catering can join catering groups, and those who do clothing can join fashion brands. So can you "join" in opening a pawnshop?

In a conversation with a reporter, an insider said with a smile, "In our VIP room, I have received more than a dozen private enterprise bosses who want to join our pawnshop."

The private capital in the Yangtze River Delta is strong, and it is not uncommon for big bosses with millions of funds on hand. Money is not a problem for them. If we go through the normal channels for approval, it will take a long time, and secondly, once there is a problem in any link, all previous efforts will be wasted. As a result, flexible businessmen thought of a way to join. It is relatively easier for registered pawn companies to open branches, and joining registered pawn companies has become a shortcut. Not only can you quickly put money into the bank with its identity, but you can also avoid business risks with its long-term management experience.

pawnbrokers should be cautious when entering the business with risks

High returns are bound to be accompanied by high risks. The industry describes the pawnbroking industry as follows: this is an industry where profits are visible, risks are invisible, and risks are everywhere.

It is understood that the most common risks in the pawnbroker industry are business risks, including the risk of receiving stolen goods by mistake, the risk of wrong appraisal and market forecast, and the risk of absolute liquidation. For example, the real estate and automobile pledge pawns, which are quite popular at present, are prone to problems such as unclear property rights and inflated prices, while the latter are fraudulently licensed or even illegally stolen goods "money laundering", which are real risks that pawn shops must face in their daily operations.

compared with traditional business risks, financing risks have a great momentum of catching up. At present, small and medium-sized enterprises use factories, houses and other real estate as collateral financing, and the amount of pawn is huge, ranging from hundreds of thousands to millions of yuan. And a large amount of money lending also makes pawnshops walk on thin ice, and a miss is very likely to cause huge losses. In addition, the nature of pawn financing itself is to be in a hurry, unlike bank loans, which need to be approved at different levels. Huge sums of money are often lent within one week, which increases the possibility of mistakes and raises risks.

with the opening of pawn shops, the remaining space in the market has become cramped, and the signs of competing business scale and capital strength have emerged. For some pawn shops with small scale and capital, the overall risk of employment will inevitably increase. To this end, some insiders predict that it will be very difficult to maintain the order of the existing pawn industry according to the current momentum.

tips on financial management refer to the pawnshop charging standard

The Measures for the Administration of Pawnshops stipulates:

Pawnshop fees are divided into two parts: pawn interest and comprehensive fees. Among them, the pawn interest is calculated and collected according to the loan interest rate of the same grade stipulated by the People's Bank of China; The collection of comprehensive expenses is divided into movable property or immovable property. When the movable property is pledged, the highest monthly comprehensive rate is 4.5% of the pawn; At the time of the real estate mortgage code, the highest monthly comprehensive rate was 3% of the pawn. The following charging standards are calculated according to the national regulations and the highest charging standards, which are for reference only.