First, when an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to guarantee. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.
Second, because of the particularity of investment guarantee company's business operation, the decisive factor of financing guarantee business success or failure is the project operation ability and professional ethics of business operators, as well as the comprehensive quality factor of personnel composed of * * * *. Among them, enterprise operators have high project operation ability and strong overall control over financing guarantee projects. On the other hand, once the project is out of control, it will cause the loss of investors' funds. For guarantee companies, business operators have qualified project operation ability, which is just a good guarantee for the successful operation of financing guarantee projects. In order to fully ensure the success of the project operation, we must pay attention to the professional ethics of enterprise operators. After all, the moral hazard of insiders is the weakest link in the risk prevention and control system of investment guarantee companies, and it is also an important problem that guarantee companies must properly solve in the early stage of project operation.
Thirdly, if having a strong enterprise strength is the inherent advantage of the guarantee company against fierce market competition, then more advanced management system and more standardized business processes are the fundamental guarantee for the guarantee company to gain recognition from all parties and continue to grow and develop. How to effectively eliminate the hidden danger of capital security from the source is not only a difficult problem for investors, but also one of the priority issues for the guarantee company as the third-party guarantor of the project. Formulating and implementing a rigorous and standardized business process can filter out the factors that are not conducive to the safety of investors' funds as soon as possible from the source. This is the crux of the nonstandard business process of those guarantee companies, which is easy to cause investors' financial losses in project operation.
Fourth, the first ancient customer standard for choosing a private guarantee company is to choose a guarantee company with strong enterprise strength. However, what kind of guarantee company is a powerful enterprise? First of all, we should look at the registered capital of the company. Secondly, it depends on the size of the company's business. The scale of operation is directly restricted by the number of operators, and the number of operators is restricted by the size of the business site. Large-scale companies often need larger business venues to support them. Of course, some guarantee companies with their own property rights business premises are better than those leasing business premises in terms of enterprise strength. The last concern is whether the company has more high-quality financing projects for investors to compare and screen. Choosing high-quality financing projects can not only ensure that investors' funds are safer, but also ensure that investors get ideal investment returns.
5. An important criterion to judge whether the guarantee company has a good reputation and the business process is standardized is whether the loan contract is sent to the notary office for notarization in accordance with the Opinions of the Ministry of Justice on Notarization of Private Lending Contracts when handling the financing guarantee business. After the investor obtains the contract notarization guarantee in the notary office, he can enjoy the right that once the investor fails to repay the investor's loan, including the corresponding interest, the notary office can issue an execution letter according to the investor's application, and the investor will apply to the people's court with jurisdiction for execution to ensure that the investor's loan funds will not be lost.