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 provide credit guarantee for it. 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.
Conditions for establishment: 1. Meet the minimum registered capital.
2. Having a business place that meets the requirements. 3. Articles of association that comply with the law (Company Law). 4. There are management and evaluation personnel who are familiar with finance and related businesses. The following documents need to be submitted to the company registration authority (the industrial and commercial bureau where the company is located): 1. An application report for the establishment of the company (name of the organization, source of registered capital, business premises and business scope). 2. Articles of Association. 3, the enterprise name pre-audit notice issued by the administrative department for Industry and commerce. 4. Shareholders' agreement. Providing loans, financial leasing and other economic contracts for small and medium-sized enterprises; Personal consumption credit guarantee, automobile consumption credit guarantee, project investment, investment management, etc.
Scope: loan guarantee business. Loan guarantee business. Loan guarantee business.
1, enterprise technical transformation loan guarantee 2, enterprise working capital loan guarantee 3, enterprise letter of credit loan guarantee 4, enterprise comprehensive credit loan guarantee 5, enterprise owner personal loan guarantee 6, personal investment loan guarantee 7, property right replacement bridge loan guarantee 8, various short-term loan guarantee bills securities guarantee business.
1, letter of credit guarantee 2, bank acceptance bill guarantee 3, commercial bill guarantee 4, bank guarantee 5, corporate bond guarantee 6, capital preservation fund guarantee 7, trust product guarantee 8, performance guarantee for other bills and securities transactions.
1, project performance guarantee 2, project payment guarantee 3, bid guarantee 4, raw material credit purchase guarantee 5, equipment installment guarantee 6, property preservation guarantee 7, lease contract guarantee 8, other contract guarantee business process: 1, application: enterprise applies for loan guarantee.
Business process: 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: evaluation of guarantee and counter-guarantee agreements, asset mortgage and registration with enterprises, signing guarantee contracts with loan banks, and formally establishing guarantee relations 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. 7. 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. 8. Dissolution: cancellation of mortgage registration, and cancellation of guarantee relationship with banks and enterprises with corporate bank repayment form. 9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees. 10. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future file search.