The state has no quantitative regulations. Here is a guarantee company, the charging standard is 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;
People's Republic of China (PRC) Civil Code
Article 387 Where a creditor needs security in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws.
If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee.
Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property.
The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Article 425 Where the debtor or a third party transfers his movable property to the creditor to guarantee the performance of the debt, and the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the movable property.
The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property.
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;
Extended data:
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.