Loan guarantee refers to the legal act that the bank requires the borrower to provide guarantee to ensure the realization of loan creditor's rights when issuing loans. In terms of risk control of loans, banks are reluctant to invest in small loans. An important reason is the high management cost of such loans. However, the benefits are not obvious. For this kind of loan, the guarantee institution can optimize the management process of the loan, form personalized service of post-loan management, share the management cost of the bank, and avoid the worries of the bank. Loan guarantee: Loan guarantee includes guarantee, mortgage and pledge. These safeguards can be used alone or in combination. Review of loan guarantee: The lending bank shall strictly review the legality, validity and reliability of the guarantee according to relevant laws and regulations and relevant provisions of the Bank. The loan guarantee process includes: application: enterprises apply for loan guarantee. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee. Communication: communicate with the loan bank to further master the enterprise information provided by the bank and clarify the amount and term of the proposed loan.
Guarantee: signing guarantee and counter-guarantee agreements with enterprises, handling legal procedures such as asset mortgage and registration, signing guarantee contracts with loan banks, and formally establishing guarantee relations with banks and enterprises. Loans: Banks issue loans to enterprises on the basis of examining the guarantees, and at the same time charge guarantee fees to enterprises. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can be prepared to repay the loan in advance and ensure the normal operation of the enterprise's capital flow. Dissolution: cancellation of mortgage registration, cancellation of guarantee relationship with banks and enterprises with the enterprise's bank repayment form. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debt, so as to provide credit records for subsequent guarantees. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantees, are filed and sealed for future reference.