First, the real right guarantee.
It is the mortgage, pledge, lien and other security interests set by the borrower or guarantor to fulfill his debts with his real estate and tangible assets.
Main property right guarantee
1, real estate guarantee (land, buildings and other property)
2. Real right guarantee of movable property (refers to the technical guarantee of the project company's own or third-party movable property, such as specific shares and franchise rights, etc.). )
3. Unfixed mortgage
The first two are fixed property rights guarantees, that is, assets are certain. When the borrower defaults, the lender can only get compensation from these guarantees. The guarantee method of floating mortgage is based on the final repayment guarantee of some current or future assets owned by the borrower. He is not a specific movable property or immovable property as the subject of guarantee, and only when something happens can he determine the assets to be compensated, hence the name.
Second, credit guarantee.
There is no need to transfer the possession or ownership of assets and rights, but an agreement between creditors or debtors. According to this agreement, the creditor has the right to pay off the debtor's responsibilities with the proceeds of assets under the guarantee condition, and enjoys the priority of compensation.
Third, mortgage guarantee.
To transfer the ownership of assets to the creditor (mortgagee) for the purpose of providing guarantee, but there is an express or implied condition that the ownership of assets should be transferred to the debtor again after the debtor performs the debt.
There are many uncertain risk factors in the project process. Choosing project financing guarantee can reduce certain risks for lenders and is a way to ensure the realization of creditor's rights.
2. What are the forms of project financing guarantee?
The project completion guarantee mainly belongs to the form of guarantee with limited time, that is, the project completion guarantor bears the economic responsibility of full recourse from the loan bank.
Third, what profit does the financing guarantee company rely on?
Guarantee companies often become the main body of financial management, because guarantee companies usually provide compensation services and are responsible for recovering loans from investors. Whether the guarantee company can operate steadily is related to the safety of customers' financial funds. What is the usual operation mode of guarantee companies? What are the profit characteristics of guarantee companies? The main profit point of the guarantee company is to provide loan guarantee, trade financing guarantee and bid guarantee through customers. Because the guarantee fee charged by the guarantee company is negotiated by both parties, most lenders are short-term financing, generally speaking, the interest rate paid is relatively high, and the income of the guarantee company is usually guaranteed. Most guarantee companies have hired professional financial personnel to check risks and control the flow of funds more strictly. Guarantee companies can still get guarantee fees when they carry out bill acceptance guarantee, which improves the utilization rate of funds. Due to the large amount of guarantee funds and many guarantee fees, it has brought more objective profits to the guarantee company. Guarantee companies can also make use of the statutory proportion to invest. Guarantee companies are active in the forefront of the market economy, which can ensure the maximization of efficiency and corporate benefits, and have strong execution for projects, making the projects invested by guarantee companies more likely to become successful human resources protection.
Fourth, the form of financing guarantee.
1. Project completion guarantee The project completion guarantee mainly belongs to the form of guarantee with limited time, that is, within a certain time range, the project completion guarantor bears the economic responsibility of full recourse from the loan bank. The providers of completion guarantee mainly include: 1. Project investors; Two, the project construction company or related insurance companies. Completion guarantee generally includes the following three basic contents: 1, the responsibility of completion guarantee; 2, the project investors to fulfill the obligation of completion guarantee; 3. Measures to ensure the project investors to fulfill their guarantee obligations. Non-delivery payment contract is a unique guarantee form of international project financing, which embodies the long-term business contract relationship between the project company and the project buyer. There are different payment methods for goods without goods, mainly because the product buyer signs a contract with the project company, which is used by the project company for project financing. The contract of payment without goods is a long-term contract. The obligation of the person responsible for payment without goods is unconditional, which is the core of the contract for payment without goods.