According to Article 7 of the Notice of Jin Cai (2001) No.77 on Printing and Distributing the Interim Measures for Risk Management of Financing Guarantee Institutions for Small and Medium-sized Enterprises, the guarantee fee charged by guarantee institutions can be subject to floating rate according to the risk degree of the guaranteed project. In order to reduce the burden on small and medium-sized enterprises, it is generally controlled within 50% of the bank loan interest rate in the same period. At present, the company's guarantee business charges mainly include two parts:
(1) Business audit fee: 0.3%-0.5% of the guarantee amount;
(2) Guarantee fee: 3%-5% of the guarantee amount is charged at one time.
Procedures: application, review and approval. Generally, mortgage or third-party guarantee is needed.
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First, how to find a guarantee company?
There are many guarantee companies in the market, among which there are many hidden routines, so you must be careful when choosing. The following points are matters needing attention for your reference.
1. Reach 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. Having management and evaluation personnel who are familiar with finance and related businesses;
5. Submit the following documents to the company registration authority (the industrial and commercial bureau where the company is located): an application report for the establishment of the company (name of the organization, source of registered capital, business place and business scope);
6. There are articles of association;
7. Notice of pre-examination of enterprise name issued by the administrative department for industry and commerce;
8. Shareholders' agreement.
Second, the guarantee company loan process
1. Enterprises apply for loan guarantee.
2. The company needs to inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communicate with the lending bank, further grasp the enterprise information provided by the bank, and make clear the amount and term of the loan to be granted by the bank.
4. Sign guarantee and counter-guarantee agreements with enterprises, handle legal procedures such as asset mortgage and registration, sign guarantee contracts with loan banks, and formally establish guarantee relationships with banks and enterprises.
5. On the basis of examining the guarantee, banks issue loans to enterprises and charge guarantee fees to enterprises at the same time.
Charges for 50,000 guarantee companies
There are two main expenses in the guarantee business: consulting fee, evaluation fee and guarantee fee.
When the guaranteed project enters the risk assessment stage, it needs to pay the consulting assessment fee, which is generally 1%-3% of the loan guarantee amount.
The guarantee fee is calculated according to the interest rate and term of the loan guarantee amount. Generally, 50% of the loan interest rate is charged according to the actual loan term, and some companies can charge 50% according to the benchmark interest rate of the People's Bank of China for the same period. For example, if the loan is 1 10,000 and the term is 1 year, then the assessment fee is 20,000 according to 2%, and the guarantee fee is 1 10,000.
Guarantee is a measure taken to ensure the realization of a debt, which is the main legal relationship and the guarantee is the subordinate legal relationship. Guarantee, including life insurance, property insurance and money guarantee.
Property guarantee, that is, security interest, takes the exchange value of property as the guarantee to realize creditor's rights. The real right system of security in modern civil law countries inherits the real right system of Roman law, including mortgage, pledge and lien. Among them, the objects of mortgage include three categories, namely movable property, real estate and usufructuary right of real estate (namely construction land use right and land management right). The object of pledge includes two categories, namely movable property and right. There is only one object of lien, namely chattel.
People's insurance is a guarantee, which takes people's credit (reputation) as the guarantee for the realization of creditor's rights, including general guarantee and joint guarantee. Its establishment is arbitrary, requiring the guarantor and the creditor to conclude a written guarantee contract without transferring the possession of the subject matter.
Money guarantee is a deposit, which is guaranteed by a specific currency. Its establishment also belongs to a will, and both parties need to sign a written deposit contract to transfer the possession of the subject matter.
Legal measures taken to ensure the realization of creditor's rights. Judging from the content of China's guarantee law, the guarantee of debt should refer to a method based on certain property of the parties, which can be used to urge the debtor to perform the debt and ensure the realization of the creditor's right. The guarantee in the guarantee law, also known as creditor's right guarantee, debt guarantee and debt guarantee, is an all-encompassing concept with rich connotation and extremely extensive extension. There is no clear definition of this in our legislation.
What is the charging standard of the guarantee company?
The guarantee fee of a guarantee company is usually not fixed, which is mainly determined by the risk. The guarantee fees of borrowers with different loan products and different conditions are usually different. Of course, different guarantee companies charge different fees. The usual guarantee fee is the highest, because the borrower does not need to provide collateral, and the guarantee company only bears greater risks by credit guarantee, so the guarantee fee is higher.
Lufax's loan is guaranteed by the guarantee company under Ping An Group, and the monthly guarantee fee is 65,438+0.9% of the total loan. As the borrower repays the principal every month, the monthly guarantee fee is charged according to the total amount, and the actual guarantee fee is higher than 1.9%/ month. Gitzo's one-year cash loan guarantee fee is 0.53%/ month, which is lower than that of lufax, but Gitzo's monthly service fee is higher, usually around 1%.
The mortgage guarantee fee varies greatly according to the borrower's conditions, but the annual guarantee rate is 3%-5%, which is far lower than the above guarantee fee. The guarantee fee of low-risk loans such as provident fund loans is lower, and the annual guarantee rate of provident fund loans in most cities is below one thousandth.
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Composition of guarantee fee of guarantee company
1, management fee. These expenses are the daily operating costs of the guarantee company, including labor wages, bonuses, benefits, insurance, rent, utilities, office expenses, travel expenses and other management expenses. The guarantee company shall accurately calculate the management fees to be shared by each guarantee project, so as to determine the collection level of guarantee fees.
2. Risk reserve. Guarantee business is a high-risk business. In order to make up for the possible losses caused by the operation of guarantee business, the guarantee company shall withdraw a certain proportion of risk reserve in accordance with the relevant provisions of the state. Risk reserve is an important part of the financial cost of the guarantee company, and the guarantee fee income must meet the withdrawal of risk reserve, otherwise the guarantee company will suffer losses.
3. Reasonable profit. If a guarantee company is an independent economic entity, it must pursue profits. Without profit, no one will invest in the guarantee company, and it is impossible for the guarantee company to achieve sustainable operation. Therefore, the guarantee fee charged by the guarantee company should include a reasonable profit level.
Guarantee companies are not charitable organizations, and they must make money, and where does this money come from? Of course, it is a customer, so it is very normal for this guarantee fee to charge a certain profit after removing a certain cost.
What is the charging standard of the loan guarantee company?
The state has no quantitative regulations. Here is the charging standard of a guarantee company.
1, the guarantee amount is less than 5 million yuan, and the annual guarantee rate is 5%;
2. The guarantee amount is more than 5 million yuan,100000 yuan, and the annual guarantee rate is 4%;
3. The annual guarantee rate is 3% for the part with the guarantee amount exceeding 6,543,800+million;
4. If the guarantee fee charged at the above rate is less than 2,000 yuan, it shall be charged at no less than 2,000 yuan;
5. The guarantee fee shall be paid by the borrowing enterprise to the guarantee company in one lump sum before the bank lends money after completing all formalities;
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Although the market entry threshold of guarantee companies is not high, and after the "blowout" rapid development in 2009, there are more than 700 private credit guarantee institutions registered in Henan Province. However, there are only a handful of private guarantee companies that have obtained the filing certificates of credit guarantee institutions of relevant government departments. At present, most private guarantee institutions, especially some small-scale guarantee companies, mainly engage in private lending.
Only a few large-scale guarantee companies are really doing the bank loan guarantee business for small and medium-sized enterprises, and these large-scale guarantee companies have submitted applications for registration and filing to the competent department of credit guarantee industry at the first time. If the business license is the industry access qualification of the guarantee company, then the credit filing certificate is the qualification grade certificate of the guarantee company. Those guarantee institutions that have not been formally filed by the government will face the dilemma of being eliminated in the new round of industry reshuffle.