加纳小贷牌照申请流程及费用介绍

REQUIREMENTS FOR APPLYING FOR MICROFINANCE INSTITUTION OPERATING LICENCE 申请小额信贷机构经营许可证的要求

Application for a licence to operate the business of microfinance, money lending and FNGO shall be in writing and addressed to the Head, Other Financial Institutions Supervision Department, Bank of Ghana, Cedi House, Accra. The application should indicate which of the three tiers of licences is being applied for.

小额信贷、贷款和非政府组织经营许可证的申请应以书面形式提交给阿克拉塞迪银行加纳银行其他金融机构监管部门负责人。申请说明说应该说明所申请的三级牌照是哪一种？

1. Restricting Eligibility to Licensed Corporate Bodies  限制持牌法人团体的资格

No person other than a body corporate incorporated in Ghana shall be eligible to apply for a licence to carry on the business of deposit taking microfinance institution. 除在加纳注册成立的法人团体外，任何人都没有资格申请经营接受存款小额信贷机构业务的许可证。

2. No person shall carry on the business of micro finance unless the Bank of Ghana licenses it. 未经加纳银行许可，任何人不得从事小额信贷业务。

Restrictions on shareholding 股权的限制

i)              Shareholding of deposit taking microfinance institutions such as microfinance companies, Susu companies, deposit taking and profit making Financial NGOs (FNGOs) (TIER 2 institutions) shall be restricted to only Ghanaians. 接受存款的小额信贷机构，如小额信贷公司、苏苏公司、接受存款和盈利的金融非政府组织(二级机构)等，仅限加纳人参股。

ii)      Shareholding in non-deposit taking microfinance institutions such as money lenders and non-deposit taking FNGOs (TIER 3 institutions) may be exclusively Ghanaian, exclusively foreign or jointly Ghanaian and foreign. Foreign capital should be registered at the Ghana Investment Promotion Centre. 非存款小额信贷机构，如放贷人和非存款小额信贷机构(三级机构)的股份可能只属于加纳人，也可能只属于外国人，或者加纳人和外国人共同持有。外资应在加纳投资促进中心GIPC注册。

iii)    There shall be at least two (2) shareholders with none of the shareholders holding not less than 10% of the total number of shares. The Bank of Ghana has the right to request for dilution of the shareholding. 至少有两(2)名股东，其中任何一名股东所持股份均不少于股份总数的10%。加纳银行有权要求稀释股权。

3. Interview 面试

The Other Financial Institutions Supervision Department located at the Cedi House [Bank of Ghana Annex] may first interview the applicant. A licensing fee of GH¢1,000.00 [one thousand Ghana Cedis] or so determined by Bank of Ghana, would be paid if the application is approved for the issuance of the licence. 其他金融机构监管部门设在加纳银行总部[加纳银行附件]，可以先对申请人进行面试。如果申请获得批准，将支付由加纳银行确定的1000加纳塞迪左右的许可费。

4. Application for Licence  申请许可证

Every application for a licence shall be made in writing to the Head, Other Financial Institutions Supervision Department Bank of Ghana, Accra for consideration and shall be accompanied by: 每一份许可证申请应以书面形式提交给加纳银行阿克拉其他金融机构监管部主管，以供考虑，并应附上:

[a]         A certified true copy of the Certificate of Incorporation and company’s Regulations or other Instrument, relating to the proposed business, or by or under which any person proposing to carry on such business was established. The registered name of the company should include either 'Microfinance, Money Lending, or FNGO as the case may be or the type of licence being applied for. [a]与拟开展业务有关的，或拟开展该等业务的任何人通过或根据其设立的公司章程或其他文书的认证真实副本。公司的注册名称应包括“小额信贷、贷款或FNGO(视具体情况而定)”或所申请的牌照类型。

[b]         full particulars of and detailed and clear definition of activities it proposes to carry out.  [b]该公司拟开展的活动的全部细节和详细而明确的定义。

[c]         details of registered place of business, principal place of business accessible to the public and suitable for the services contemplated and a description of other places where it proposes to do business and the areas it proposes to serve. [c]注册营业地、可向公众开放且适合拟提供服务的主要营业地的详细信息，以及拟开展业务的其他地点和拟提供服务的区域的描述。

[d]         Names, addresses, occupations and corporate affiliations of persons who hold or would hold significant shareholdings directly or indirectly in the proposed venture and the respective values of such holdings or proposed holdings. [d]直接或间接持有或将持有拟合资企业重大股份的人的姓名、地址、职业和公司附属关系以及这些持有或拟持有的股份的各自价值。

[e]         Duly completed Personality Note Form (PNF) by at least five [5] directors (two (2) of whom should be independent directors), shareholders and key management staff of the said business, The majority shareholder should not be the board chairman and the Chief Executive Officer of the company. PNF can be downloaded from the Bank of Ghana website 。(www.bog.gov.gh/supervisionandregulation/licensingandpolicyguidelines)  [e]由至少五名[5]董事(其中两(2)人为独立董事)、股东及有关业务的主要管理人员填写的个人资料说明表(PNF)，大股东不得为公司的董事会主席及行政总裁。

[f]          Tax Clearance Certificate of Directors, shareholders and key management personnel. 董事、股东和主要管理人员的纳税证明。

[g]         Curriculum Vitae of Directors, Shareholders and Key Management Personnel. 董事、股东和主要管理人员的简历。

[h]          Financial data including financial statement and feasibility reports which should contain among others. 财务数据，包括财务报表和可行性报告。

1. a business plan and financial projections (income statement, balance sheet and cashflow) for the first five (5) years of operations. 经营前五(5)年的经营计划和财务预测(损益表、资产负债表和现金流)。  

2. Details of assumptions upon which the financial projection has been made. 财务预测所依据的假设详情。

3. Objectives and aims of the proposed Microfinance Institution. 拟议小额信贷机构的目标和宗旨。

4. Justification for the establishment of the Microfinance Institution  建立小额信贷机构的理由

5. Organisational structure of the company setting out in detail the functions and responsibilities of the top management team. 公司的组织结构，详细规定最高管理团队的职能和职责。

[i]          Other information that relates to the viability of the business. 与企业生存能力有关的其他信息。

[j]          Information on capital and documentary evidence of sources of funds;  资金情况和资金来源证明文件;

[k]         Information on other matters that applicant considers relevant for the determination of the application and 申请人认为与决定申请有关的其他事项的信息

[l]          Such other additional information or particulars which the Bank of Ghana considers relevant or may require for the determination of the application and  加纳银行认为与决定申请有关或可能需要的其他附加信息或细节

[m]               Evidence of payment of a non-refundable processing fee of GH¢500.00 or as determined by the Bank of Ghana.   加纳银行(Bank of Ghana)确定的500先令加纳克朗(ghi)不可退还的手续费支付证据。

[n] Evidence of request for Police clearance for shareholders, directors and key management staff. 股东、董事和主要管理人员要求警方批准的证据。

PLEASE NOTE that submission of the above requirements does not constitute an APPROVAL. 请注意，提交上述要求并不构成批准。

5. Minimum Paid-Up Capital 最低实收资本

Tier 2 and 3 Companies  二级和三级公司

All Tier 2 and 3 entities (comprising microfinance companies and moneylending companies) excluding FNGOs shall require not less than GH¢2,000,000 [Two million Ghana cedis only] as minimum paid capital. 所有二级和三级实体(包括小额信贷公司和放款公司)(不包括fngo)的最低支付资本要求不低于200万加纳币(仅200万加纳币)。

All FNGOs shall require not less than GH¢300,000 [Three hundred thousand Ghana cedis only] as minimum paid capital (owners’ contribution). 所有非政府机构要求的最低支付资本(所有者出资)不得低于30万加纳塞地[加纳塞地仅为30万]。

NOTE: Not more than 25% of the initial paid-up capital shall be spent on property, plant and equipment (capital expenditure). That is at least 75% of the initial paid up capital shall be in liquid cash resources to support operations. 注:用于财产、厂房和设备(资本支出)的初始实收资本不得超过25%。也就是说，至少75%的初始已缴资本应该是流动现金资源，以支持运营。

6. Approval in principle 原则上批准

The Bank of Ghana may issue an 'approval-in-principle’ for a period of six months to the applicant on such terms and conditions as it may consider necessary and appropriate, if it is satisfied that: 加纳银行可根据其认为必要和适当的条件向申请人签发为期6个月的“原则性批准”，前提是满足以下条件:

[a]         the applicant would carry on the business with integrity, prudence and the required professional competence; and 申请人将以诚信、审慎和所需的专业能力开展业务;

[b]         the applicant has the capacity to raise the initial paid-up capital required to hold a licence. 申请人有能力筹集持有牌照所需的初始实收资本。

NOTE: Approval in Principle DOES NOT CONSTITUTE a final licence, as such applicants CANNOT commence operations. 注:原则上批准并不构成最终许可证，因为该等申请人不能开始营运。

7. Pre-operating Conditions 前期经营条件

The Central Bank may issue the final approval and licence to the applicant after satisfying itself that the following pre-licensing conditions have been met; 中央银行在满足下列许可前条件后，可以向申请人颁发最终批准和许可证

i.              Minimum paid-up capital – the company has raised the minimum paid up capital 最低实收资本-公司提高了最低实收资本

ii.     Premises: The company 前提:该公司

[a]   has provided evidence of title deeds/lease agreements 提供了产权契约/租赁协议的证据

[b]   has approvals by relevant authorities 有相关当局的批准

[c]   has adequate business premises, staff operating area, ventilation, lighting, etc. 有足够的营业场所、员工操作区域、通风、照明等。

[d]   Display of name of company as contained in the certificate of incorporation and logo where appropriate 在适当的情况下，显示公司注册证中所包含的公司名称和标志

iii.            Has demonstrated security of the premises, including adequacy of alarm systems, fire extinguishers, vaults or safes, etc. 已证明物业的安全，包括警报系统、灭火器、保险库等是否足够。

iv.            Has in place up to date insurance covers – fire, burglary, fidelity guarantee, cash, etc. 是否有最新的保险——火灾、盗窃、保真、现金等。

v.             Has in place up to date serviced fire extinguishers supported by a fire certificate. 配备最新的服务过的灭火器并有消防证书。

vi. Possesses Operational plans and policies approved by the Board.  拥有董事会核可的业务计划和政策

vii.         Has accounting and operating manuals, appropriate management information systems, (computers, appropriate software), internal controls and training manual etc. 拥有会计和操作手册，适当的管理信息系统，(计算机，适当的软件)，内部控制和培训手册等。

viii.        Has in place adequately trained and sufficiently experienced staff as well as competent key personnel; 拥有经过充分培训和经验丰富的员工以及胜任的关键人员;

vi.            Has submitted its first year pre - operating financial statement of affairs and budget. 已提交第一年度营业前财务报表及预算。

vii.           The minimum paid up capital/shareholders’ funds of the relevant category being applied for is acceptable and the source is verifiable and found to be satisfactory to the Bank of Ghana. 所申请的相关类别的最低已缴资本/股东资金是可以接受的，其来源是可核实的，并且加纳银行认为该来源是令人满意的。

xi. Has met any other conditions imposed by the Bank of Ghana 是否满足加纳银行规定的其他条件

8. Fees 费用

Tier 2 and 3 microfinance institutions shall pay the following fees, or as may be determined by Bank of Ghana: 二级和三级小额信贷机构应支付以下费用，或由加纳银行确定

a. Non-Refundable Processing fee: GH¢500.00 不可退还的手续费:ghi $ 500.00

b. Non-Refundable Licensing fee: GH¢1,000.00  不可退还的授权费用:GHI 1000.00

c. Annual licence renewal fee: GH¢500.00 which should be paid by January 31 of each year. 执照续期年费:500.00欧元，每年1月31日前支付。

TIER 4 OPERATORS 四级运营商

1.     Application and Licensing Procedure 申请及发牌程序

Tier 4 operators shall: 第4层经营者应:

i.                     Obtain and complete a preliminary registration form for licensing as a Susu collector or money lender (individuals or enterprises)  获取并填写苏苏收款人或放债人(个人或企业)的初步登记表格

ii.             Register as a member or affiliate with the umbrella organization for Susu collectors or money lenders 注册为苏苏收款人或放债人联合组织的会员或附属机构

iii.            Submit the completed preliminary form, together with a personality profile form endorsed by the executives of the umbrella association to the Bank of Ghana. 提交完成的初步表，连同一个由伞形协会的执行人员背书的人格简介表到加纳银行。

iv. Be licensed after obtaining satisfactory reports on background checks undertaken. 在获得令人满意的背景调查报告后获得许可。

2. Fees 费用

i

Application processing fee: GH¢100.00  申请手续费:ghi: 100.00

ii. Licensing fee: GH¢500.00  牌照使用费:GH¢500.00

ENTITIES AND INDIVIDUALS ENGAGED IN THE ABOVE ACTIVITIES ARE REQUIRED TO JOIN AN UMBRELLA ASSOCIATION.  从事上述活动的单位和个人，必须加入伞形协会。

9. CHANGES IN LICENSING CONDITIONS  发牌条件的改变

[a]          It should be noted that the above conditions for licence are subject to review, and could affect an application in process. 应注意的是，上述许可证条件须予检讨，并可能影响正在进行的申请。

[b] The Bank of Ghana relies on other agencies both local and external in the processing of applications, and this could cause delays in the processing of applications. 加纳银行在处理申请时依赖于当地和外部的其他机构，这可能会导致申请处理的延迟。

[c ] Information submitted by applicants shall be subject to verification by the Bank of Ghana. 申请人提交的信息应经加纳银行核实

Please note that: 请注意：

The Bank of Ghana may revoke a licence granted to a company if it is satisfied that:  加纳银行可撤销授予某公司的许可证，如果它认为:

(a)  it has, in connection with the application for the licence, been provided with false, misleading or inaccurate information by or on behalf of the applicant company or that material information has been suppressed, or 在申请许可证的过程中，申请人公司或其代表向申请人公司提供了虚假的、误导性的或不准确的信息，或隐瞒了重要信息

(b)  the company has failed to fulfil or comply with the terms and conditions stipulated in the licence, or 公司未能履行或遵守牌照规定的条款及条件，或

(c) the company has failed to commence business within one year from the date the license was issued. 自颁发营业执照之日起一年内未开业的。

(d) licences granted by Bank of Ghana are NOT transferable  加纳银行颁发的许可证不可转让