Legal analysis: the guarantee company will require the borrower to produce relevant qualification certificates for review according to the requirements of the bank, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees. Simply put, a loan guarantee company is a kind of financial intermediary, which mainly provides economic contracts such as loans and financial leasing for small and medium-sized enterprises.
Legal basis: Article 241 of the Civil Law of People's Republic of China (PRC), the owner has the right to establish usufructuary right and security right on his own real or movable property. When exercising their rights, the usufructuary right holder and the security right holder shall not harm the rights and interests of the owner.