(1) Financing guarantee company: Since the second half of last year, the fuse of bank loan collection is the poor performance of Beijing ICBC, which is guaranteed by a well-known guarantee company in the industry. It is reported that the balance of the guarantee company is nearly 6 billion yuan. The reasons leading to the bankruptcy of the guarantee company are as follows: First, there are bad companies in the insurance, and the guarantee company is forced to pay compensation; Second, the guarantee company operates the business of absorbing, storing and lending. In the current economic downturn, the collection of loans by banks has aggravated the financial risks of the insured enterprises, resulting in the inability of the insured enterprises to repay on time. It is normal for a guarantee company to pay one or two, and even the gods can't stand it. Formal guarantee companies generally charge a guarantee fee of 2%. If self-owned funds are excluded, 50 enterprises will face losses due to bad loans. That's why this job is risky.
Of course, loan companies generally provide collateral, and the mortgage rate of guarantee companies can generally reach 90%; If the business operates well, the guarantee company will even give high praise to the value of the property. But the reality is that the economic trend is not good and house prices have fallen sharply. A company I handled, real estate assessment 1 10,000 yuan/square meter last year, was listed at 8,000 yuan/square meter this year, and no one wanted it. This will face the problem of shrinking collateral.
In addition, it takes a long time to go through legal procedures, and it needs to be publicized when the defendant is not there. After the judgment is finished, it will be executed. The whole process is as short as one year and as long as several years. The guarantee company can compensate the loan, and can use one or two. If it is too much, it needs to go out and borrow money. These are all costs. If it continues to deteriorate, there will always be a time when you can't afford it. If you can't afford it, you will be sued by the bank.
(2) General guarantee companies, referred to as private lending. These bankruptcies are better understood. The approval process of issuing loans is simple, and the possibility of non-performing loans is greater.
I've played so much, I hope I'm satisfied.