First, the guarantee company loan business process:
1. Application: The enterprise applies for loan guarantee.
2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.
4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantees, and at the same time collects guarantee fees from enterprises.
6. 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.
2. Repayment: You can repay the bank normally.
Extended data:
Matters needing attention in loan of guarantee company
First, any investment is risky. A good guarantee company will have a complete risk control system and an excellent risk prevention and control continuous learning mechanism. This is particularly important when choosing a guarantee company. Only by controlling the risks can the interests of investors be guaranteed.
Second, the legal text is rigorous and standardized. Old-established guarantee companies often strictly abide by national laws and regulations, and will not operate illegally for short-term interests, nor will they touch the "high-voltage line" of the industry. In operation, any violation or unexpected factors may pose a potential threat to the interests of investors, so it is necessary to formulate a rigorous legal text to clearly stipulate the rights and obligations of investors, borrowers and guarantors in the contract. Only in this way can the interests of all parties be fully guaranteed. This is also an important aspect of judging guarantee companies.
Third, fully understand the assets and social reputation of the guarantee company. Usually, a good guarantee company has good assets and mature operation mode, which will win it a good social reputation and reputation.