At present, there are no fewer than dozens of companies in Zhengzhou guarantee market, and they are not accidental, but have certain inevitability. Many guarantee companies have accidents, the fundamental reason is that the operation is not standardized, or the customer's funds are illegally absorbed, or the project risk control is not strict, or the collateral is insufficient. All the guarantee companies that have an accident have one thing in common: through the lure of high interest rates, by swiping pos machines or cheating on fake projects, the investment customers' funds are directly absorbed into the guarantee company's own accounts, and then some of them are loaned out at high interest rates, some of them are transferred to the guarantee company with higher interest rates, and some of them are used for the entity enterprises under the boss of the guarantee company. Either way, as long as the released funds cannot be recovered on time, the guarantee company will have to rob Peter to pay Paul.
Henan's guarantee industry itself is innocent, but the illegal competition between illegal guarantee companies and illegal banks and high-interest loans have brought chaos to the industry and triggered a bubble of usury. At present, the chaos in Henan's guarantee industry is just a big wave, and the usury bubble caused by high-interest loans is gradually bursting. Legalization of private lending within 4 times interest rate is beneficial to the development of formal guarantee enterprises. After the chaos, Zhengzhou is expected to pilot formal private lending institutions first.
How do investment customers rationally choose guarantee companies?
Guarantee investment, safety-oriented! The purpose of investment by investment customers is to obtain as much income as possible on the premise of ensuring the safety of principal. The core is to ensure the safety of the principal, and the key is to choose a suitable guarantee company:
First of all, we must choose a guarantee company whose business operation is transparent and standardized and does not touch money. The standard is embodied in not touching money, not swiping cards, strict risk control and perfect process. Now the project situation in transparent body is true and transparent, and the transfer process is open and transparent.
Secondly, we should choose a guarantee company with the original business license. Business license is an industry license document issued by the government, representing a kind of industry access qualification, representing the government's recognition of the guarantee company, the completeness of the guarantee company's risk deposit, and also representing a certain degree of social recognition.
Thirdly, we should choose a strong guarantee company. The strength determines the compensation ability and risk resistance of the guarantee company, which depends on whether the company has purchased its own office space, whether the boss has any industry, how much registered capital the company has, and whether the risk deposit is in place on time.
Fourth, we should choose a guarantee company with perfect organization, strict management, large company scale and high quality employees. Among them, the risk control department is the core department of the guarantee company and must have a group of high-quality legal talents.
Fifth, you can refer to the word-of-mouth publicity of other investment customers.
I hope my above answers are helpful to you. If there is anything wrong, please criticize and correct me! I am the investment manager of a well-known guarantee company in the province. The company has strong strength, standardized and transparent business operation, never touched money, never had overdue funds, and obtained the original national business license in the first batch. If you have any questions about the guarantee industry, please call me. My user name is my contact information! ! !