1. The financing guarantee ratio is as follows:
(1) The balance of guarantee liability of a financing guarantee company shall not exceed 10 times of its net assets;
(2) For financing guarantee companies that mainly serve small and micro enterprises and agriculture, rural areas and farmers, the upper limit of multiple can be increased to 15 times;
(3) The proportion of the balance of the guarantee liability of the financing guarantee company to the same guarantor and the net assets of the financing guarantee company shall not exceed 65,438+00%, and the proportion of the balance of the guarantee liability of the same guarantor and its related parties shall not exceed 65,438+05%.
2. Legal basis: Article 13 of the Measures for the Administration of Margin Trading of Securities Companies.
Before a securities company borrows and sells securities to its customers, it shall sign a contract for financing and selling securities containing the necessary provisions stipulated by the Securities Industry Association of China, and clearly stipulate the following matters:
(a) the amount, duration, interest rate (rate) and interest (fee) calculation method of margin financing and securities lending;
(2) the proportion of the deposit, the proportion of the maintenance guarantee, the types of securities that can be used to cover the deposit and the conversion rate, and the scope of the secured creditor's rights.
(3) The notification method and time limit for additional margin.
(4) The way for customers to pay off debts and the right of securities companies to dispose of collateral;
(5) Dealing with the rights and interests of buying securities by financing and selling securities by short selling.
(6) Liability for breach of contract;
(seven) the way to solve the dispute;
(8) Other related matters.
2. What are the connotations and characteristics of financing guarantee?
The connotation and characteristics of financing guarantee include:
1. Financing guarantee is one of the most important types of guarantee business, and it is a kind of credit intermediary behavior with the development needs of commercial credit and financial credit and the financing needs of the guaranteed object;
2. As a third-party guarantor, the credit guarantee institution provides credit guarantee for the debtor by intervening between financial institutions, enterprises or individuals including banks and capital demanders mainly enterprises and individuals, so as to ensure the debtor to fulfill the responsibilities and obligations agreed in the contract or other types of funds;
3. Financing guarantee has the dual attributes of finance and intermediary in its business nature, and belongs to a special financial intermediary service.