Article 34 In order to effectively spread risks, a guarantee company shall, when signing a guarantee contract with an agreement bank, agree on the risk sharing ratio of the losses that the guarantee funds may bear.
Article 35 Counter-guarantee measures shall be implemented. If the guarantee company considers it necessary for the guarantor to provide counter-guarantee measures, the guarantor shall use his legal and effective assets as collateral or pledge guarantee, guarantee guarantee, deposit guarantee, etc. , and provide counter-guarantee not less than the contract amount according to the contract amount.
Article 36 A risk reserve system shall be established. According to the business development, the guarantee company withdraws the unearned liability reserve at the rate of 50% of the guarantee fee year by year, and withdraws the risk reserve from the operating income at the rate of 65,438+0% of the guarantee balance at the end of the year, which are used to offset the normal operation loss of the guarantee, compensate the expenses and make up the bad debts of the guarantee respectively.
Thirty-seventh local economic and trade departments should strengthen the guidance on the investment of guarantee funds; Supervise the operation of the guarantee fund; When the guaranteed object shows the signal of credit deterioration, the guarantee company should strengthen cooperation with the agreement bank and take preventive measures in time; After the guarantee company has fulfilled its compensatory obligations, it is agreed that the bank shall assist the guarantee company in recovering debts.
Municipal Economic and Trade Commission, China People's Bank downtown branch and other relevant departments should implement a credit rating evaluation system for guarantee companies, stipulate that banks will implement preferential interest rates for guarantee companies with high credit ratings, and grant credit according to their credit ratings.