How to distinguish whether an investment guarantee company is formal or not? As an insider, I'll give you the skills to distinguish the true from the false:
1, field investigation. Go to the other party's office and see that many so-called investment guarantee companies are just empty shells. They rent an office at will, with no staff and no department. They just recruit some part-time jobs to pull money for him and lend money purely. This kind of company generally has a poor office environment and few employees, and runs away at any time.
2. Look at the operation time. All guarantee companies newly established less than three years ago should be in doubt. If they had been in business for more than three years, something would have happened long ago, and they would have run away if they wanted to be cheated.
3, look at the investment projects of the guarantee company. The main difference between a guarantee company and an underground bank is that, in theory, the guarantee company only guarantees the money you lend or invest in a certain enterprise without going through it, and collects the guarantee fee from it. Formal guarantee companies will let you introduce the corresponding projects when you invest, such as how much a well-known enterprise borrows for XX purpose and how long it will take. At this time, the guarantee company will conduct a risk control investigation on this enterprise, that is to say, to see if they have repayment ability. If they don't pay back the money, they will introduce the project to investors after the risk control is completed. Companies that are purely usurious won't bother to introduce you to the project, and you generally can't know where your money is used by them.
4. Look at the promised benefits. I am in Zhengzhou, Henan. The general situation here is that the formal guarantee company promises to give the investors a monthly interest of 1.5% (1.5%) to 2.0%, and the annual rate of return is about 20%, which is generally not more than four times the bank's regular interest rate for the same period. If the guarantee company promises to give you a much higher income than I said, I can tell you responsibly that the risk is extremely high, and it will not be protected by law if it exceeds the bank interest rate by four times.
5. Look at the contract. Formal guarantee companies will sign creditor's rights transfer agreement, letter of guarantee, entrustment agreement, loan receipt, project book, repayment plan and so on with you after your investment, while informal guarantee companies will only let you sign for the receipt or cheat you in the form of contract.
For more questions, you can trust my Baidu ID privately.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.