Investment guarantee company is an intermediary company that provides financing guarantee for small and medium-sized enterprises to earn the difference profit. Investment guarantee companies are divided into three types: small, medium and large. The guarantee methods are divided into policy guarantee, mutual guarantee and commercial guarantee. The business scope includes loan guarantee, bill securities guarantee and transaction performance guarantee.
Guarantee function:
1. Guarantee the realization of creditor's rights: From the bank's point of view, banks are particularly cautious in handling loan business and pay attention to preventing and controlling loan risks. Because the investment guarantee company has certain guarantee funds, it has strong compensation ability and the credit rating of the guarantee institution is high. The small and medium-sized enterprises it guarantees can effectively share the loan risk of banks, which is conducive to enhancing the confidence of banks in lending to small and medium-sized enterprises, thus solving the problem of difficult loans for enterprises and banks, promoting the financing and effectively promoting the development of the national economy.
From the enterprise's point of view, improve the credit rating of the enterprise through guarantee. In order to obtain bank credit support, enterprises must accept the supervision of guarantee institutions and banks, provide reports on the operation and use of funds to guarantee institutions, and strengthen mutual understanding; Guarantee institutions provide guarantees for enterprises, not aimless guarantees. It is based on strict examination and understanding of enterprises. If the enterprise conditions do not meet the requirements, the guarantee institution will not guarantee it.
2. Avoid capital loss: Before the loan, the guarantee institution will conduct a pre-loan review of the enterprise to grasp its operating conditions and development prospects. After the loan, pay close attention to and strictly examine the use of enterprise funds, find problems in time, and recycle funds with banks to effectively avoid the loss of funds, safeguard the interests of the state and banks, and ensure the effectiveness of capital financing.
3. Improve the financing efficiency of enterprises: As an intermediary, guarantee institutions play a bridge role. It not only connects banks and enterprises, but also examines and supervises enterprises on behalf of banks, and applies to banks and goes through relevant procedures on behalf of enterprises, so as to give full play to the purpose of serving banks and enterprises actively and effectively, so that banks and enterprises have more manpower, financial resources and time to develop other businesses, thus effectively promoting their development.