Business scope of consignment bank
Jiaozuo Jiulong Juhai Consignment Co., Ltd. is mainly engaged in the consignment and purchasing business of brand-name jewelry, watches, purses, high-grade handicrafts, second-hand luxury goods, paintings and calligraphy. At present, the consignment industry is a new industry that has gradually developed in China in recent years. With the improvement of people's awareness of financial management, there is an increasing demand for idle goods, especially high-end luxury goods.
The origin of consignment bank
At the beginning of 2009, the Ministry of Commerce issued the Opinions on Improving the Circulation Network of Second-hand Commodities, requiring all localities to actively promote the construction of the circulation network of second-hand commodities, so as to revitalize the existing assets of enterprises, fully tap the idle resources of society and meet the consumption needs of different groups of people.
Consignment banks, which used to belong to the special administrative examination and approval industry, are now the same as hotels and printing industries. However, with the needs of social development, consignment banks cancelled the special administrative examination and approval procedures a few years ago. The state's supervision of the consignment industry is also relatively loose. Besides,? Consignment bank? It's not true? Pawnshop? There is an essential difference between the two.
The difference between consignment banks
Consignment (consignment)
It is the consignor who entrusts the consignment bank to sell the goods on his behalf, and both parties sign relevant service agreements. According to the agreement, the consignment bank has no ownership of the goods, only the management right of the goods during the consignment period, that is, the ownership of the goods has not been transferred. The consignment bank only charges a certain service fee after the goods are sold. No buyouts, no on-site loans.
soldier
It was the owner who mortgaged the goods to the pawnshop and got a certain amount of pawn money on the spot. During the pawn period, the ownership and management of the goods were transferred from the original owner to the pawn shop.
There is no uniform standard for the interest charged by each consignment bank, with the highest monthly interest rate of 20% and the lowest of 5%. Consignment banks can operate after registration in the industrial and commercial departments, and pre-approval is not involved. Therefore, consignment banks cannot carry out mortgage loans for gold and silver jewelry. Since June last year, consignment banks have gradually emerged, which has different degrees of influence on all kinds of pawn shops. Pawnshop business reduces the mortgage interest of large items such as real estate and automobiles by about 20% on average, with monthly interest ranging from 5% to 20%.
Management of entrusted banks
At the time of registration, the consignment bank can directly register with the industrial and commercial office in the jurisdiction. Please refer to the Detailed Rules for the Administration of Individual Industrial and Commercial Households for the information required for registration. If it is not registered, it is necessary to provide a written explanation and relevant legal documents that are not registered in the industrial and commercial office. No is an infringement of the legitimate rights and interests of the parties.
Under the background of financial crisis, the consignment industry has contributed to economic development with its unique and flexible business model, and has been supported by policies.
Legal requirements of business scope
According to the Company Law, there are the following requirements for the business scope of an enterprise [1]:
1. The business scope of an enterprise shall be stipulated in the articles of association, and it shall not apply for registration beyond the business scope stipulated in the articles of association.
2. The business scope of an enterprise must be registered according to law, that is, the business scope of an enterprise shall be subject to the approval of the registration authority. An enterprise shall engage in business activities within the business scope approved by the registration authority.
3. Projects within the business scope of enterprises restricted by laws and administrative regulations must be approved according to law before registration.
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