1. When an enterprise applies for a sample loan, the guarantee company will determine the loan method (entrusted loan or short-term loan) after approval.
2. Guarantee companies and enterprises. Banks sign entrusted loan contracts (loan contracts) and asset mortgages (pledge contracts), and account fund supervision agreements:
3. Guarantee companies lend money to the gold industry;
4. The enterprise repays the original payment;
5. The bank issues the second payment to the enterprise:
6. The enterprise repays the entrusted payment or short-term loan of the guarantee company with the second bank loan;
7. The guarantee company shall return the mortgaged assets of the enterprise and unfreeze the supervision account.
The so-called bank lending means "borrowing new loans to repay old ones", and the loans directly handled by banks "borrowing new loans to repay old ones", commonly known as "returning loans", can generally be repaid in two banks.
Countermeasures for the risk of bank loan reversal: the phenomenon of "loan reversal" masks the risk of non-performing assets, seriously affects the normal operation of financial institutions, the management of bank supervision departments and the central bank, and is not conducive to leadership decision-making and analysis. Non-standard non-governmental secondment has seriously affected the financial order, and also made farmers bear a heavy debt repayment burden.
1, regulate private lending according to law, and severely crack down on illegal private financing such as fraud. We should formulate the Administrative Measures for Private Lending as soon as possible, speed up the legislative work of private financing, standardize the development of private financing, and strengthen the research, analysis, standardization and guidance of gray and semi-legal private financing while encouraging and supporting legal and compliant private financing behavior and promoting the development of direct financing; The People's Bank of China should cooperate with financial supervision departments and other law enforcement departments to resolutely crack down on illegal private financing, that is, illegal fund-raising activities.
2. Provide special services for farmers, and make agricultural loans move towards a benign track. We should vigorously promote rural financial reform, standardize the rural financing pattern, actively promote the establishment of village banks and financial institutions that benefit the people, and attract idle private lending funds into the financial track with the characteristic services of simple procedures and flexible business. Agricultural financial institutions should strengthen their awareness of serving agriculture, countryside and farmers, and set the time for lending and collecting loans scientifically and reasonably from reality. For example, before preparing for spring ploughing production,
3. Improve the rural credit guarantee mechanism to provide short-term guarantee for farmers. Relevant government departments should strengthen their support for rural credit guarantee institutions, establish and improve the incentive and restraint mechanism of credit guarantee institutions, mobilize the enthusiasm of guarantee institutions, encourage agricultural financial institutions and guarantee institutions to explore effective business cooperation mechanisms, and encourage guarantee institutions to boldly create a variety of applicable rural guarantee mechanisms within the framework determined by relevant laws and regulations. When farmers are temporarily unable to repay their loans, guarantee companies provide short-term guarantee services for farmers, so that farmers can repay their old debts in time.
4. Strengthen credit propaganda and guide farmers to manage their finances correctly. For the purpose of cultivating modern financial awareness, credit awareness and advocating credit concept, we should widely publicize and popularize credit information and related financial knowledge to farmers, strengthen the guidance of rural economic entities' financial concepts, consumption concepts and credit behaviors, enhance farmers' credit awareness and risk awareness, and actively create a good social atmosphere of "keeping promises is glorious and breaking promises is shameful".