2 Determine the total amount of loans that can be guaranteed according to the basic information of the guaranteed enterprise, and formulate detailed loan repayment plans and risk control procedures according to the financial information provided by the guaranteed enterprise, such as mortgage property (including physical assets and non-physical assets) and product sales contracts.
3. In order to ensure that the guaranteed enterprise can repay the loan principal and interest in full and minimize the risk of secured loans, the guaranteed enterprise should be required to provide counter-guarantee, and the total amount of mortgaged collateral provided by the guaranteed enterprise should ensure that the secured loans due, unpaid loan interest and risk losses caused by credit insurance can be fully repaid.
Of course, the guarantee enterprise must meet the following three basic conditions:
1, whether the guarantee object is all kinds of individual industrial and commercial households of small and medium-sized enterprises that conform to the national industrial policy, abide by credit, have market, benefit and controllable risks.
2. The enterprise and the actual controller of the enterprise have no bad credit records.
3. The applied guarantee business belongs to the business scope of our company's business license.