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. 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.
The guarantee company has a quick time limit. As a bank, its inherent loan model and process have caused a lot of time waste to small and medium-sized business owners. However, the guarantee company just showed a flexible financing scheme model, which greatly saved the time and energy of business owners and could meet their urgent need for funds.
On the basis of mortgage, the credit line of guarantee company greatly exceeds the value of mortgaged assets, which can provide more funds for small and medium-sized enterprises. Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.
Business scope of the guarantee company
Loan guarantee letter
1, enterprise technical transformation loan guarantee
2, enterprise liquidity loan guarantee
3, enterprise letter of credit loan guarantee
4, enterprise comprehensive credit loan guarantee
5. Personal loan guarantee for business owners
6. Personal investment loan guarantee
7. Property right replacement guaranteed by bridge loan.
8. Various short-term loan guarantees
Bill securities guarantee
1. Guarantee by opening a letter of credit.
2. Bank acceptance bill guarantee
3. Commercial paper guarantee
4. Bank guarantee
5. Corporate bond guarantee
6, capital preservation fund guarantee
7. Trust product guarantee
8. Securities guarantee for other bills
Transaction performance guarantee
1, project performance guarantee
2, the project payment guarantee
3. Credit guarantee for raw materials
4, equipment installment guarantee
5. Property preservation guarantee
How to distinguish the authenticity of a guarantee company
1. 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.
2. The legal text is rigorous and the operation is 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.
3. 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.
4. We can know the operating years, the number of customers and the number of days without overdue of the guarantee company, and we can also judge the corporate culture and discipline of a company from the details of employees' clothes, words and deeds, which can be the conditions for choosing a guarantee company.